Credit.ro

What Credit.ro does

Credit.ro is a privately held Romanian fintech company headquartered in Bucharest that provides automatic credit assessment and bankruptcy notifications to help consumers make informed financial decisions. The firm operates as a for-profit entity with a headcount reported in the 11–50 range and has been continuously operating since its founding in 2009 by Adrian Paraschiv.

The company's core product is a credit-information service aimed at end-users in Romania, delivering automated assessment output and alerts related to bankruptcy filings. The website (credit.ro) is positioned as the primary customer-facing channel, although the source material did not yield detailed product specifications, pricing, subscription mechanics, or technical architecture. No integrations, API offerings, mobile applications, or proprietary technology stack details were disclosed in the available data.

From a business model standpoint, the source material provides no revenue model, pricing details, customer segmentation, or partnership information. It cannot be confirmed whether Credit.ro operates a B2C freemium/subscription model, a B2B data-licensing model to lenders and brokers, or an advertising/lead-generation model — all of which are common in the European consumer credit-information category. As a result, the unit economics, customer acquisition strategy, and revenue mechanics remain unverified from the input data, representing a material gap for any investor assessment.

Name

Credit.ro

Website

https://credit.ro

Company type

Private

Founded year

2009

Headcount range

11–50 employees

Short description

Credit.ro is a Bucharest-based Romanian fintech, founded in 2009 by Adrian Paraschiv, that provides automatic credit assessment and bankruptcy notification services to consumers to support informed financial decision-making.

Ownership category

akta.pro rank

Product category

Credit Information Services

NAICS

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 industry

Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)

Keywords

• Credit assessment
• Bankruptcy monitoring
• Credit reporting
• Consumer credit data
• Financial risk analytics

Headquarters

HQ city

Bucharest

HQ country

Romania

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure

Core offering

Credit.ro provides automatic credit assessment and bankruptcy notifications to help users make informed financial decisions. The service delivers credit-related information and alerts to Romanian consumers and businesses monitoring borrower risk.

Differentiator

Problem solved

Functional benefit

Products and services

• Automatic Credit Assessment Automated credit evaluation service that helps users assess creditworthiness and make informed financial decisions. Targets consumers and businesses in Romania.

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves1 record

Broad incumbents

• Equifax: Global credit bureau with operations across Europe. Offers consumer credit information and monitoring products relevant to Credit.ro's category, although it does not specialize in the Romanian niche.
• Experian: One of the three global consumer credit bureaus. Has expanded European operations including credit-monitoring and identity products; a broad incumbent whose consumer credit-reporting and scoring capabilities overlap with Credit.ro's offering at the category level.
• TransUnion: Global credit bureau with significant EMEA presence. Comparable to Credit.ro because it supplies consumer credit reports, scores, and monitoring to lenders and consumers across multiple European markets.

Direct peers

• Biroul de Credit: Romania's principal consumer credit bureau, jointly owned by local banks. Directly comparable as a Romanian consumer credit-information provider whose core offering (credit reports, scoring, monitoring) overlaps with Credit.ro's stated value proposition.
• Credit Karma: Consumer credit-monitoring and personal-finance platform owned by Intuit. Closely comparable product (free credit scores, credit monitoring and notifications) to Credit.ro's stated value proposition.
• ClearScore: UK-based consumer credit-monitoring platform offering free credit reports, scores and alerts. Direct functional overlap with Credit.ro's automatic assessment + notification model, though currently focused on the UK and selected EU markets.
• Creditinfo: Iceland-based credit bureau network with active operations in Romania. Provides consumer and business credit information, scoring and monitoring products that compete in the same Romanian data-services market as Credit.ro.
• Creditsafe: European credit-data provider covering both business and consumer credit reports with significant EU presence. Comparable to Credit.ro as a credit-information intermediary operating in similar European markets.

Others

• Coface: Global trade credit-insurance and business credit-information provider. Related to Credit.ro through credit-data and risk-information services, although primarily business rather than consumer focused.

Emerging players

• LoanScout (Credite.ro): Romanian credit-comparison / lending marketplace. Adjacent ecosystem player using consumer credit-related data to connect borrowers with lenders; partial overlap with Credit.ro's consumer-facing credit information use cases in the Romanian market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks6 records

Key highlights4 records

Customer concentration

• Xx.com/CreditRo
• Facebookfacebook.com/credit.ro
• LinkedInlinkedin.com/company/credit-ro

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Credit.ro