CofaceBdi

What CofaceBdi does

CofaceBdi is Israel's leading business information and credit risk management company, operating as the exclusive Israeli partner of Coface, the global trade credit insurance group with 100+ years of history across 100+ countries. The company has operated in Israel for over 30 years (firmographics indicate founding in 1989), serving public companies, private companies, banks, insurance firms, government offices, exporters/importers, and individual consumers with a comprehensive suite of credit and business intelligence products.

The product portfolio is organized into five categories: (1) Business Information — reports, Red Lights real-time risk monitoring (אורות אדומים), international business data, and 10-category Probability of Default (PD) risk ratings; (2) Risk Management — Creditline (obligo recommendations in three tiers up to 500,000 ILS), Check Delay (payment behavior analysis), Client Portfolio Analysis dashboards, branch-level clearing houses, and immediate alert services; (3) Global Business Intelligence — the Urba360 platform integrated with LSEG Risk Intelligence's World-Check One compliance screening; (4) Business Development — Segmenta (סגמנטה) marketing segmentation covering 150,000 Israeli businesses and proprietary market surveys; and (5) Consumer Credit — the BDI Personal Check sub-brand offering Personal Credit Reports (67.6 ILS each), Power of Attorney reports, and the FICO®BDI three-digit credit score (range 300-850, currently 350-782), built on exclusive Bank of Israel central credit database access.

CofaceBdi makes money through a mix of recurring subscription contracts (business information portals, Creditline tiers, Red Lights monitoring, clearing-house memberships), per-query/per-report fees (business reports, personal credit reports, market surveys), and professional services (Business Stability Certification). GTM is primarily sales-led with enterprise field sales for large corporates and an inside sales team plus self-serve portals for mid-market, SMB, and individual consumers. Multiple proprietary trademarks (Red Lights, Creditline, Check Delay, Segmenta, FICO®BDI, Business Stability) and registered authorizations from the Bank of Israel and Ministry of Justice anchor the company's position as Israel's authoritative business information provider.

Name

CofaceBdi

Legal name

Coface Bdi

Website

https://bdicoface.co.il

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

51–100 employees

Short description

CofaceBdi is Israel's leading business information and credit risk management company, serving public/private companies, banks, government, and consumers with credit reports, real-time Red Lights monitoring, FICO®BDI consumer scoring, and the Urba360 global intelligence platform, as the exclusive Israeli partner of Coface.

Ownership category

akta.pro rank

Product category

Business Information & Credit Risk Management Services

NAICS

Credit Bureaus (56145), Credit Bureaus (561450)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

Keywords

• Credit risk management
• Business information services
• Consumer credit reports
• Commercial risk analytics
• Market intelligence surveys

Headquarters

HQ city

Tel Aviv-yafo

HQ country

Israel

HQ region

Middle East

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Business Information Reports: Revenue generated from the sale of business information reports on companies, including financial data, risk ratings, Red Lights indicators, customer and supplier references, payment behavior, encumbrances, ownership details, and management information. Sold on a per-report and subscription basis to business clients.
2. Credit Risk Management Services: Includes Creditline (obligo recommendations), Check Delay (payment behavior analysis), Risk Rating reports, Portfolio Analysis (Analysis of Clients Portfolio), and Branch Clearing Houses. These services are sold as subscriptions or per-query fees to help businesses manage credit risk.
3. Consumer Credit / Personal Check Products: Consumer credit reports including personal data concentration reports and FICO®BDI credit scores. One-time fee per report (67.6 ILS including Bank of Israel fee) for individual consumers, with a free annual report option through the Bank of Israel's direct system. Also sold to businesses for evaluating private customer credit risk.
4. Market Surveys and Marketing Information: Revenue from conducting comprehensive market surveys in Israel across industries, sub-industries, categories, and products. Includes industry reviews, competitor analysis, market sizing, and custom surveys. Sold to businesses for market entry, competitive analysis, and strategic planning purposes.
5. Business Stability Certification (איתנות עסקית): A certification service granted to businesses that pass the CofaceBDi business stability analysis and rating. Companies pay for the certification process to demonstrate credibility and stability to customers, suppliers, and creditors.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core offering

CofaceBDi provides business information, credit risk management, and consumer credit reporting services to Israeli companies, banks, insurance firms, government offices, and individuals. Its core deliverables include business information reports, a 10-category risk rating (PD) methodology, the Red Lights real-time negative-events monitoring database, the Creditline obligo recommendation system, Check Delay payment behavior analysis, the FICO®BDI consumer credit score, and the Urba360 global business intelligence platform. The company is the exclusive Israeli partner of the global Coface group and is an authorized provider of Bank of Israel consumer credit data.

Product overview

CofaceBdi operates as a comprehensive business and consumer information services platform organized into five core service categories: (1) Business Information — covering Business Information Reports, Red Lights alerts, International Business Data, and Risk Rating; (2) Risk Management — encompassing Creditline obligo decisions, Check Delay payment analysis, Client Portfolio Analysis, Branch Information Clearing Houses, and Immediate Alert Service; (3) Global Business Intelligence — the Urba360 platform providing worldwide company data; (4) Business Development — including Sagmenta segmentation and Market Surveys; and (5) Consumer Credit — the BDI Personal Check sub-brand offering Personal Credit Reports, FICO BDI Credit Ratings, and Power of Attorney Reports. The company also provides complementary services such as Business Stability Certification, Vehicles Liens Registry access, and the Red Mail/Green Mail community reporting tools.

Differentiator

Problem solved

Functional benefit

Brands

• BDI Personal Check: Consumer credit reporting and scoring system providing credit reports and FICO-based credit ratings for individuals and businesses in Israel.
• Urba360
• Creditline
• Check Delay
• Sagmenta
• Red Lights
• BdiCode

Products and services

• Business Information Reports (דו"חות מידע עסקי) Comprehensive company reports combining financial data, Red Lights history, customer and supplier references, payment behaviour, encumbrances, affiliated companies, risk rating, and credit recommendation, sold to Israeli businesses assessing counterparties.
• Red Lights (אורות אדומים) and Additional Information Database Real-time, 24/7-updated proprietary database of negative business events (legal claims, bounced checks, bank restrictions, payment delays, enforcement, liquidations, layoffs) used by Israeli businesses to monitor counterparty risk.
• Risk Rating (דירוג סיכון) A Probability of Default (PD) report assigning Israeli companies to a proprietary 10-category risk scale based on financial data, payment history, industry conditions, and management assessment, valid for up to 18 months.
• Creditline (®Creditline) Online obligo recommendation system with three tiers (Basic up to 10,000 ILS, Regular up to 50,000 ILS, Advanced up to 500,000 ILS) delivering GO/NO GO credit decisions and summary/full company reports in real time.
• Check Delay (®Check Delay) Analyses a company's payment behaviour toward suppliers, including average credit days granted, actual credit days taken, and total payment delay days, benchmarked against industry peers.
• Urba 360 - Global Business Intelligence Platform Global digital-dashboard business intelligence platform providing credit risk and payment behaviour information on millions of companies worldwide, enhanced with sanctions, PEP, negative media, and enforcement screening through LSEG Risk Intelligence.
• Analysis of Clients Portfolio (ניתוח תיק לקוחות) Real-time dashboard analysing the risk distribution of a business's client portfolio, identifying risk changes, diagnosing at-risk clients, and benchmarking credit risk against industry peers.
• International Business Information (מידע עסקי בחו"ל) On-demand international business reports delivering credit risk assessments and risk ratings for companies worldwide, leveraging the Coface global information network.
• Segmenta (סגמנטה) Marketing Segmentation Platform Marketing segmentation platform enabling businesses to filter and profile 150,000 Israeli businesses by employee count, revenue, industry, founding year, geography, merchant authorisation status, and legal status.
• Market Surveys (סקרי שוק) Comprehensive published and custom market research reports covering Israeli industry sectors, including market size, competitive landscape, profitability, risk levels, and trends, for strategic planning and market entry.
• Branch Information Clearing Houses (מסלקות מידע ענפיות) Industry-specific information clearing houses enabling member companies to share and receive verified reports on payment delays, bounced checks, and legal claims within their industry.
• Immediate Alert Service (שירות התראות מיידי) Daily monitoring service checking subscribed client portfolios against the Red Lights database and delivering immediate SMS, email, and fax notifications of any negative changes.
• Vehicles Liens and Registrar of Pledges (רשם משכונות ושעבוד רכב) Information service providing data from the Registrar of Pledges, including registration, modification, and cancellation notices with details on creditors, debtors, and pledged assets.
• Business Stability Certification (איתנות עסקית) Stability certification awarded to companies that pass CofaceBDi's business stability analysis and rating, signalling creditworthiness to customers, suppliers, and creditors.
• BDI Personal Check (Consumer Credit for Businesses) Consumer credit decisioning system enabling businesses to assess the credit risk of private customers using Bank of Israel central credit data and CofaceBDi information.
• Personal Credit Report (דוח ריכוז נתונים אישי) Consolidated personal credit report aggregating all credit data reported to the Bank of Israel, with analysis, summary, and FICO score, available for individual purchase at 67.6 ILS per report (one free per year via Bank of Israel).
• FICO®BDI Credit Rating Three-digit Israeli consumer credit score (range 300-850, currently 350-782) developed jointly with FICO, calculated from payment history, outstanding balances, credit history length, new credit, and types of credit used.
• Power of Attorney Report (מיופה כוח בתמורה) Consolidated credit report ordered by a designated proxy on behalf of a consumer, including data summary and FICO BDI credit rating, used where direct consumer ordering is not feasible.

Quantifiable outcome

• Risk rating coverage from micro-operators to international conglomerates with 10 risk categories spanning up to 18 months of default probability assessment.
• +2 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability3 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• LSEG Risk IntelligencecoreTechnology or Integration · 28 January 2026Coface announced a partnership with LSEG Risk Intelligence to integrate World-Check One compliance screening solution into the Urba360 global business intelligence platform. This partnership enables companies to access world-class compliance screening tools combined with Coface's credit risk data in a single interface. The integration supports due diligence for sanctions screening, PEP (politically exposed persons) screening, negative news monitoring, and enforcement actions. The solution is available through the Urba360 platform and targets both large corporations engaged in international trade and mid-sized businesses with supplier or distribution networks.
• FICOcoreTechnology or IntegrationFICO, the global leader in credit scoring with over 90% of US credit decisions using FICO scores, partnered with CofaceBDi to develop the FICO®BDI proprietary credit scoring model for the Israeli consumer credit market. FICO provides the scoring methodology and statistical modeling expertise while CofaceBDi provides Israeli credit data from the Bank of Israel central credit database. The resulting 3-digit score (300-850 range) helps lenders assess individual credit risk in Israel using internationally validated methodology.
• CofacecoreStrategic or Co-development PartnerCoface is the global trade credit insurance group and majority/shareholder partner of CofaceBDi in Israel. Coface has over 100 years of experience in trade credit insurance and business information, operating in over 100 countries through subsidiaries and branches. CofaceBDi serves as the exclusive Israeli partner, providing access to global company databases, risk assessment methodologies, and the Urba360 platform to Israeli businesses. CofaceBDi is described as the leading business information company in Israel.
• Bank of IsraelcoreStrategic or Co-development PartnerCofaceBDi serves as an authorized provider of Bank of Israel consumer credit data for personal credit concentration reports. Consumer credit data including loans, credit cards, payment history, and defaults is provided by Bank of Israel to CofaceBDi for inclusion in personal credit reports and FICO®BDI scoring. CofaceBDi is also subject to Bank of Israel maintenance windows for system updates.
• Ministry of Justice (Israel)minorStrategic or Co-development PartnerCofaceBDi is an authorized provider of information from the Companies Registrar through the Ministry of Justice, enabling one-click access to company registration extracts as part of its business information services.

Scale indicators12 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Bureau van Dijk (Moody's Analytics): Now part of Moody's Analytics, Bureau van Dijk offers global corporate information via the Orbis platform — directly competitive with Urba360 for international business intelligence and cross-border company due diligence.
• Dun & Bradstreet: Global leader in business credit reporting and commercial data; offers comparable business information reports, risk ratings, and analytics. Direct competitor in international company information accessible to Israeli clients via Urba360-equivalent services.
• Creditsafe: Online business credit report provider with strong EMEA presence; offers subscription-based SME and enterprise credit reports, monitoring, and international company data — directly comparable to CofaceBDi's Business Information Reports and Red Lights.
• Bisnode (now Dun & Bradstreet): European business information provider (acquired by D&B) that historically competed with similar business credit reports and marketing segmentation across Nordic and EMEA markets — directly analogous offering to CofaceBDi's Business Information Reports and Sagmenta.
• CRIF: Italian-headquartered global credit bureau and business information provider with consumer and commercial credit reporting; operates in multiple markets with bank-data partnerships analogous to CofaceBDi's Bank of Israel relationship.

Emerging players

• Kompany (Moody's): RegTech platform for global KYC/AML and ultimate beneficial owner (UBO) verification, now part of Moody's; competes with the LSEG-integrated Urba360 compliance screening offering for cross-border due diligence use cases.

Broad incumbents

• TransUnion: Major global credit bureau offering consumer credit reports, business information, and risk analytics; competes for large enterprise and financial institution accounts with deeper global data coverage than CofaceBDi.
• Experian: Global credit bureau with both consumer and business credit reporting; competes with CofaceBDi's FICO BDI consumer scoring and business information services across enterprise accounts, but operates as a broad incumbent with much wider product portfolio.
• Equifax: Global credit bureau providing consumer and commercial credit information, workforce analytics, and identity verification; competes for cross-border enterprise accounts and large Israeli financial institutions with broader product breadth.

Others

• Coface (Parent Company): Global trade credit insurance group and parent of CofaceBDi; while it provides underlying methodology and international data that CofaceBDi distributes, it also competes in trade credit insurance and global business information at the parent level.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/CofaceBdi

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CofaceBdi