Krajowy Rejestr Długów

What Krajowy Rejestr Długów does

Krajowy Rejestr Długów (KRD) operates Poland's National Debt Register as a licensed Biuro Informacji Gospodarczej (BIG), providing credit information and credit risk management services. The company's core offerings center on creditor debt registration (Dodawanie dłużnika), company financial reliability verification (Sprawdzanie firm), and 24/7 continuous contractor monitoring (Monitorowanie firm 24/7). It also serves consumers with self-credit reports (Raport o sobie), inquiry tracking (Kto o mnie pytał?), and PESEL monitoring through the ChronPESEL partnership. The platform supports dedicated propositions for large corporations and the public sector (sektorpubliczny.krd.pl), and is accessible via the krd.pl web portal and iOS/Android mobile applications.

Underpinning the offering is a web-based information platform with an Information Security Management System certified to ISO/IEC 27001:2013 and full GDPR-compliant personal data protection, including joint controllership arrangements with Kaczmarski Group entities. Revenue is generated through a mix of recurring subscriptions (debt information services and 24/7 monitoring) and one-time report purchases (basic and extended credit reports on companies and individuals). Distribution combines direct enterprise sales, dedicated inside-sales phone lines for each customer segment, self-serve web/app ordering, and reselling through sibling brands in the Kaczmarski Group ecosystem. No pricing is publicly disclosed; service quotes are obtained via sales contacts.

KRD is a subsidiary within the diversified Kaczmarski Group, alongside Kaczmarski Inkasso (debt collection), NFG (factoring), Rzetelna Firma (reliability certification), WinGO (online debt collection), and partner platforms. The company employs 501-1,000 staff, is headquartered in Wrocław, Poland, and operates exclusively in the Polish market (KRS 0000169851; share capital 4,000,000 PLN fully paid). Industry recognition includes the Dolnośląski Certyfikat Gospodarczy (2010) and Gazela Biznesu 2010 ranking (313th of 3,500), and membership in the Związek Przedsiębiorstw Finansowych w Polsce (ZPF) with participation in annual ethical audits.

Name

Krajowy Rejestr Długów

Legal name

Krajowy Rejestr Długów Biuro Informacji Gospodarczej S.A.

Website

https://krd.pl

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Krajowy Rejestr Długów is a Polish credit information bureau offering debt registration, contractor verification, and 24/7 credit monitoring services to businesses, large corporations, public sector entities, and consumers as part of the Kaczmarski Group ecosystem.

Ownership category

akta.pro rank

Product category

Credit Information Services

NAICS

Credit Bureaus (561450), Credit Bureaus (56145)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

akta.pro secondary industries

Consumer Identity Verification (KYC) & Fraud Risk for Credit (FSAKAKAD), Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)

Keywords

• Credit information bureau
• Debt registry services
• Contractor credit reports
• Business credit monitoring
• Financial reliability verification

Headquarters

HQ city

Wroclaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Debt Information Services: KRD generates revenue primarily through providing debt information and creditworthiness data services. Companies and individuals pay for access to information about contractors' financial reliability and debt status.
2. Credit Reports: Sale of reports on companies and individuals, including basic and extended versions, for business decision-making purposes.
3. Monitoring Services: Ongoing 24/7 monitoring services for businesses to track contractor financial health and creditworthiness changes.

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

KRD operates a Polish credit information bureau (Biuro Informacji Gospodarczej) that allows creditors to register debtors, enables users to verify the financial reliability of Polish companies and consumers, and provides 24/7 monitoring of contractor creditworthiness. Core offerings include debtor registration, company verification reports, continuous monitoring subscriptions, and consumer-facing self-check and inquiry-history services, delivered via web portal, client panel, and iOS/Android mobile applications.

Product overview

Krajowy Rejestr Długów operates as a credit information bureau (Biuro Informacji Gospodarczej, BIG) offering a unified platform for credit risk management. The core offering centers on debt registration services (Dodawanie dłużnika), company verification (Sprawdzanie firm), and 24/7 monitoring capabilities (Monitorowanie firm). Consumer-oriented services include self-check reports (Raport o sobie) and inquiry tracking (Kto o mnie pytał). The company serves distinct market segments through tailored offers for large corporations (Duże firmy), public sector entities (Sektor publiczny), and general consumers. A mobile application extends access to core services on iOS and Android platforms. Supporting offerings include standardized document templates (Wzory dokumentów) and business communication stamps (Pieczęcie KRD) for creditor organizations.

Differentiator

Problem solved

Functional benefit

Products and services

• Dodawanie dłużnika (Add Debtor) Service enabling creditors to register debtors with unpaid obligations in the KRD registry, allowing businesses to report and track outstanding debts.
• Sprawdzanie firm (Company Check) Service allowing users to verify the financial reliability and payment history of any company in Poland before entering into business relationships.
• Monitorowanie firm 24/7 (Company Monitoring) Continuous 24/7 monitoring service that provides real-time alerts when monitored companies undergo changes in their financial status or creditworthiness.
• Kto o mnie pytał? (Who Inquired About Me?) Service allowing individuals to view a log of all entities that have requested their credit information from KRD.
• Raport o sobie (Report About Myself) Service enabling individuals to obtain a comprehensive report about their own credit standing and registered debts in KRD.
• Monitoring własnej firmy (Own Company Monitoring) Service for business owners to monitor their own company's credit profile and receive alerts about inquiries and changes.
• Oferta dla dużych firm/korporacji (Large Corporate Offer) Tailored credit risk management solutions for large enterprises and corporations with advanced monitoring and reporting capabilities, delivered through dedicated enterprise sales channels.
• Oferta dla sektora publicznego (Public Sector Offer) Specialized solutions for public sector entities to verify creditworthiness of contractors and manage public finance risks, delivered via dedicated portal at sektorpubliczny.krd.pl.
• Aplikacja mobilna KRD (KRD Mobile App) Mobile application available on iOS and Android platforms providing on-the-go access to KRD services including company credit checks, debtor registration, and continuous monitoring.
• Wzory dokumentów (Business Document Templates) Standardized business document templates distributed by KRD, including debt removal/update requests, company self-check applications, positive information additions, and contract templates, supporting creditor and debtor workflows with KRD-registered evidence.

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• ChrońPESELcoreGTM or Marketing PartnerKRD BIG S.A. is a partner of the ChrońPESEL service, offering PESEL protection and identity theft prevention services through the ChronPESEL platform, integrated with KRD services for enhanced personal data security.
• Kaczmarski GroupcoreOthersParent company group. KRD is part of Kaczmarski Group ecosystem including Kaczmarski Inkasso, Kaczmarski Group, and NFG S.A., sharing resources, customer base, and integrated services.
• Rzetelna FirmacoreChannel Partner/ Reseller/ DistributorPartner brand under Kaczmarski Group offering business support and reliability certification services, cross-promoted with KRD services.
• NFG (Narodowy Fundusz Gwarancyjny)coreChannel Partner/ Reseller/ DistributorFactoring services partner within Kaczmarski Group ecosystem, offering financial liquidity solutions alongside KRD's credit risk services.
• WinGOminorChannel Partner/ Reseller/ DistributorOnline debt collection service partner under Kaczmarski Group, providing complementary services to KRD's credit information offerings.
• Kaczmarski InkassocoreChannel Partner/ Reseller/ DistributorDebt collection company within Kaczmarski Group, co-administering personal data under joint controllership arrangements.
• Związek Przedsiębiorstw Finansowych w Polsce (ZPF)coreStrategic or Co-development PartnerKRD is a member of the Polish Financial Enterprises Union and participates in annual Ethical Audits conducted by the Ethics Commission, demonstrating commitment to industry standards.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Equifax: Multinational credit bureau providing consumer and commercial credit information, monitoring, and identity-protection services. Directly comparable to KRD's product mix including identity/fraud-protection offerings, but at global scale.
• TransUnion: Global credit bureau offering consumer credit reports, business credit information, and risk analytics. Overlaps with KRD's credit-information and monitoring product set, with significantly broader geographic and data coverage.
• Experian: Major global credit bureau offering consumer and business credit reporting, monitoring, and analytics. Comparable core service lines to KRD but at multinational scale, with established presence across multiple European markets.
• Dun & Bradstreet: Global leader in business credit reporting and trade data. Overlaps with KRD's business credit report and contractor verification offerings, serving a comparable B2B risk-management buyer but at global scale.
• CRIF: Italy-headquartered global credit bureau and business information provider active across CEE. Comparable in product scope (consumer and business credit reports, monitoring, decisioning) but operates as a multinational incumbent with broader geographic reach than KRD.

Others

• Kaczmarski Inkasso: Polish debt-collection firm within KRD's parent Kaczmarski Group. Closely related operationally as a sister service (debt recovery follows debt registration) and ecosystem cross-sell partner, but a different primary service category.

Direct peers

• ERIF Biuro Informacji Gospodarczej: Polish BIG offering debt registration and credit information services to businesses and consumers. Operates in the same regulatory and product space as KRD with overlapping SMB and consumer customer bases.
• BIK (Krajowe Biuro Informacji Kredytowej): Poland's largest credit bureau, operated jointly by Polish banks and major lenders. Directly comparable to KRD as a domestic consumer and business credit information provider, with deeper banking-data integration but operating under a bank-led governance model.
• BIG InfoMonitor: One of Poland's largest Biuro Informacji Gospodarczej operators and the most direct head-to-head competitor to KRD in debt registration, business verification, and consumer credit reporting services in the Polish market.

Regional players

• Creditinfo: Iceland-rooted credit bureau and decisioning platform with strong presence in CEE and emerging markets. Comparable credit-bureau and monitoring product offering to KRD, primarily operating in geographies outside Poland.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/KRD_PL
• Facebookfacebook.com/niezalegam
• LinkedInlinkedin.com/company/krd
• Instagraminstagram.com/krd_pl

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Krajowy Rejestr Długów