BIG InfoMonitor

What BIG InfoMonitor does

BIG InfoMonitor (legal name: Biuro Informacji Gospodarczej InfoMonitor S.A.) is a Polish Economic Information Bureau (Biuro Informacji Gospodarczej) headquartered in Warsaw that operates the BIG Debtor Registry (Rejestr Dłużników BIG), a centralized platform for collecting, storing, and distributing economic information on overdue debts of individuals and businesses. The platform integrates with multiple Polish government registries — PESEL, RDO (Register of Identity Documents), KRZ (National Debtors Registry), and the CEIDG/KRS business registers — as well as banking-sector databases via BIK and the Polish Banks Association (ZBP), enabling comprehensive identity and credit verification. As of February 2026, the registry held 113.5 million debt information records, with 363 million reports downloaded since 2014 and an average of one report generated every 1.5 seconds.

The company serves four primary customer segments: large corporations and enterprises (served via dedicated advisors and server-to-server integrations), small and medium enterprises (MŚP) and individual consumers (served through the Biznes BIG.pl and Detal BIG.pl self-service portals), Polish public-sector entities and authorized institutions under Article 25 of the BIG Act (courts, prosecutors, bailiffs, tax authorities, local governments), and individual consumers. Its product portfolio spans the core Debtor Registry; Consumer and Business credit reports; an automated debtor-registration and disclosure service; enterprise integration modules (CPU-CPU connections on IBM WebSphere MQ, XML Web Services, and batch CSV/XML file processing); payment demand letters; contractor monitoring with email alerts; a Financial Credibility Certificate program; an SME Risk Indicator letter-grade scoring tool; and PESEL/RDO/KRZ-based identity verification.

BIG InfoMonitor generates revenue through a hybrid model combining recurring B2B subscription packages (149–399 PLN/month), per-transaction fees for individual debtor registration (69 PLN gross per entry), pay-per-use business and consumer credit reports, a freemium self-check tier for consumers (free once every six months), and regulated transaction-based fees for authorized public institutions (0.5% of minimum wage plus 10 PLN per disclosure). The company is part of the BIK Group (Grupa BIK), the strategic operating parent, and operates as a Polish public joint-stock company (S.A.) with 11–50 employees and 7.1 million PLN of fully paid share capital. Go-to-market combines self-serve web portals for the SMB and consumer long tail, dedicated enterprise sales and technical integration for large accounts, and legally mandated access for authorized public-sector institutions.

Name

BIG InfoMonitor

Legal name

Biuro Informacji Gospodarczej InfoMonitor S.A.

Website

https://big.pl

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

51–100 employees

Short description

BIG InfoMonitor is a Warsaw-based Polish Economic Information Bureau operating the BIG Debtor Registry, which collects and shares overdue-debt information on individuals and businesses. It serves enterprises, SMEs, public-sector entities, and consumers through subscription reports, debtor registration, and API integrations.

Ownership category

akta.pro rank

Headquarters

HQ city

Warszawa

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Report Subscription Packages: Monthly subscription packages for businesses ranging from 149-399 PLN per month, providing access to debtor reports, creditworthiness checks, and monitoring services.
2. Individual Debtor Registration: One-time fee of 69 PLN gross per debtor entry to the registry for individual consumers.
3. Authorized Entity Fees: Fee of 0.5% of minimum wage plus 10 PLN handling cost (gross) for each information disclosure to authorized institutions under Article 25 of the BIG Act.
4. Business Reports: Per-report fees for credit reports on businesses and consumers through subscription or pay-per-use models.
5. Free Consumer Self-Check: Consumers can generate a self-report free of charge once every six months.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

BIG InfoMonitor operates a Polish credit information exchange (Biuro Informacji Gospodarczej) that receives, stores, and provides economic information on overdue debts of individuals and companies. The company maintains the BIG Debtors Registry (Rejestr Dłużników BIG) with 113.5 million debt records and sells credit reports, debtor registration, contractor verification, and payment demand services to businesses, consumers, and public sector entities through self-service portals and enterprise API integrations.

Product overview

BIG InfoMonitor operates as a unified platform combining a debtor registry, credit information services, and debt management tools. The core product is the BIG Debtor Registry (Rejestr Dłużników BIG), which stores and shares economic information about overdue debts of individuals and companies. This registry feeds into two primary report products: the Consumer Report (Raport o Konsumencie) for individuals and the Business Report (Raport o Firmie) for companies, both available through the Individual BIG System (System BIG Indywidualny) and Business BIG.pl System portals. The platform offers integrated add-on modules including debtor registration services with automatic disclosure, precautionary stamps for invoices, payment demand management, contractor monitoring, entry notifications, and financial credibility certificates. For enterprise clients, dedicated solutions include CPU (server-to-server) connections, XML Web Services, and batch CSV/XML file processing, all accessible via BIG API integration. Additional verification tools include PESEL, RDO, and KRZ database checks, plus SME Risk Indicators for letter-based credit ratings.

Differentiator

Problem solved

Functional benefit

Brands

• Biznes BIG.pl: Business customer portal for checking contractors and managing debtor information
• System BIG Indywidualny
• Certyfikat Firmy Wiarygodnej Finansowo

Products and services

• Rejestr Dłużników BIG (BIG Debtor Registry) A comprehensive database of economic information containing negative and positive data about overdue debts of individuals and businesses, updated in real-time and accessible 24/7. Contains 113.5 million debt information records as of February 2026, with reports generated every 1.5 seconds on average.
• Raport o Konsumencie (Consumer Report)

Quantifiable outcome

• 75% of Poles would repay debt after receiving BIG notification
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Five partnerships are on record, tiered core and minor.

• BIK (Biuro Informacji Kredytowej)coreStrategic or Co-development PartnerBIG InfoMonitor is part of the BIK Group, sharing infrastructure and data access for comprehensive credit information services covering both banking and non-banking credit data.
• Związek Banków Polskich (ZBP)coreTechnology or IntegrationIntegration with Polish Banks Association database for access to Banking Document Registry (Dokumenty Zastrzeżone) and other banking sector credit information.
• Związek Przedsiębiorstw Finansowych (ZPF)minorStrategic or Co-development PartnerPartnership with Polish Financial Enterprises Association for data exchange and industry collaboration in credit information services.
• RK LegalminorImplementation/ SI/ Consulting PartnerLegal partnership providing law firm integrations and consulting support for debt collection and legal proceedings.
• Inkaso (einkaso.pl)minorImplementation/ SI/ Consulting PartnerCollection services partner integrated with BIG InfoMonitor for debt recovery and payment processing.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Biuro Informacji Kredytowej (BIK): BIK is the dominant Polish consumer credit bureau and direct sister company under Grupa BIK, sharing data infrastructure with BIG InfoMonitor. Both serve Polish creditors with credit reporting and decisioning data; BIK focuses on positive payment data while BIG InfoMonitor handles negative debt information, making them complementary within the same group but comparable in function.
• ERIF Biuro Informacji Gospodarczej: ERIF is another licensed Biuro Informacji Gospodarczej operating the BIG debtors registry in Poland, directly competing with BIG InfoMonitor for creditor registrations and report purchases. Both operate under the BIG Act, offer similar debtor registration and credit reporting products, and serve overlapping SMB and enterprise customer segments.
• Krajowe Biuro Informacji Gospodarczej (KBIG): KBIG is a Polish Biuro Informacji Gospodarczej offering debtor registry services and credit reports under the same BIG Act framework as BIG InfoMonitor. It competes on similar products (debtor registration, business and consumer reports) targeting Polish SMBs and enterprises seeking credit verification.
• National Debt Register (Krajowy Rejestr Długów): KRD is another major Polish Biuro Informacji Gospodarczej offering debtor registration, consumer and business credit reports, and creditor verification services. It is one of the largest competitors to BIG InfoMonitor in the Polish debt registry market, serving similar SMB, enterprise, and consumer customer segments under the BIG Act.

Emerging players

• Krajowy Rejestr Zadłużonych (KRZ): KRZ is a government-run registry of insolvent debtors that BIG InfoMonitor integrates with. It overlaps functionally with BIG's negative-information registry but operates as a public-sector alternative, particularly relevant for court-supervised insolvency data, creating both a data source and a competitive threat to BIG's commercial registry.

Broad incumbents

• Dun & Bradstreet: Dun & Bradstreet is the global leader in business credit reporting and trade data, including operations in Poland (formerly Bisnode). It provides business credit reports, contractor verification, and risk indicators that overlap with BIG InfoMonitor's Raport o Firmie and SME Risk Indicator products, though with a broader international scope.
• CRIF: CRIF is a major European credit bureau and credit information services group operating across multiple countries with consumer and business credit data products. While not a dominant player in Poland's negative-data registry space, it competes with BIG InfoMonitor in business credit reporting and credit decisioning for Polish lenders and SMBs.
• Creditinfo: Creditinfo is an Iceland-based credit bureau network operating in Central and Eastern Europe, including Poland. It provides consumer and commercial credit information services that compete for the same Polish lender and SMB customers that BIG InfoMonitor serves, though with a different data emphasis.
• Bisnode (now Dun & Bradstreet): Bisnode was a major European business information provider (now part of Dun & Bradstreet) that historically operated in Poland with business credit reports and company information services. It directly competed with BIG InfoMonitor's Raport o Firmie product for Polish SMB contractor verification needs.
• Allianz Trade (formerly Euler Hermes): Allianz Trade is a global trade credit insurance and business information provider with significant operations in Poland. It offers business credit reports, credit insurance, and receivables management services that overlap with BIG InfoMonitor's credit reporting and contractor monitoring offerings, particularly for export-oriented Polish corporates.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/biginfomonitor
• YouTubeyoutube.com/channel/UCWx0MpJyEcM2fKbV2IJHYHA
• Facebookfacebook.com/bigpl
• LinkedInlinkedin.com/company/big-infomonitor

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 BIG InfoMonitor