What Creditinfo Eesti does

Creditinfo Eesti AS, founded in 1993 and headquartered in Tallinn, is Estonia's oldest and largest credit and business information bureau. The company operates the country's largest integrated business information database and primary Payment Default Register, providing credit reports, ratings, KYC/AML solutions, company monitoring, and market intelligence to Estonian banks, insurers, retailers, fintech lenders, and public-sector entities. Named enterprise customers include Swedbank AS, AS LHV Pank, Coop Pank AS, Bigbank AS, IF Kindlustus, Circle K Eesti AS, Tallinna Kaubamaja Grupp AS, and Credit24, among others; individual consumers access personal credit data through the Minu Creditinfo portal.

The platform is built around the e-Krediidiinfo web portal and a machine-to-machine API layer, with AI/ML-based statistical models used to generate credit scores and payment default probability scores for both consumers and businesses. The product portfolio extends into adjacent modules: the Target self-service B2B list platform, the Edukas Eesti Ettevõte certification program for top-rated companies, a Market Review portal offering sector reports at €129 and €249 + VAT tiers, ESG Hub, international company reports, company monitoring with customizable event alerts, debt management, and embedded distribution through partners such as Fintech Market.

Creditinfo Eesti has been a wholly-owned subsidiary of Creditinfo Group (itself owned by LLCP) since January 2016 and benefits from group infrastructure across 40+ countries, though its commercial operations are concentrated in Estonia. Revenue is generated through enterprise API subscriptions, self-service web subscriptions, transactional report sales, and certification fees. In June 2026, Oksana Tolmatshova was appointed CEO, succeeding Elari Tammenurm who moved to a Continental Europe Regional Director role within the group.

Name

Creditinfo Eesti

Legal name

AS Creditinfo Eesti

Website

https://creditinfo.ee

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

11–50 employees

Short description

Creditinfo Eesti AS is Estonia's oldest and largest credit and business information bureau, operating the country's primary Payment Default Register and providing credit reports, ratings, KYC, monitoring, and market intelligence via web portals and APIs to banks, insurers, retailers, fintechs, and consumers.

Ownership category

akta.pro rank

Product category

Credit Information Services

NAICS

Credit Bureaus (561450), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Consumer Credit Decisioning & Underwriting Platforms (FSAKAKAG)

akta.pro secondary industries

Alternative / Non-Traditional Credit Data Providers (FSAKAKAB), Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)

Keywords

• Credit information services
• Business credit reports
• Payment default registry
• Credit risk scoring
• Company monitoring services

Headquarters

HQ city

Tallinn

HQ country

Estonia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Credit and Business Information Services: Provision of credit reports, business information, credit ratings, and payment default data to companies and financial institutions through subscription and usage-based models.
2. Market Review Reports: Sector-specific market overview reports sold as one-time purchases at 129 EUR (Basic) and 249 EUR (Expert) plus VAT.
3. API and Data Integration Services: Machine-to-machine interfaces (API-s) providing automated access to credit and business data for enterprise clients.
4. Certificate Programs: Edukas Eesti Ettevõte (Successful Estonian Company) certification program generating revenue from certified companies.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Creditinfo Eesti operates Estonia's largest credit and business information database, providing credit reports, ratings, the Payment Default Register, KYC/AML solutions, company monitoring, market reviews, and ESG data to banks, insurance companies, corporations, and government entities via web portals and APIs. The platform leverages proprietary AI/machine learning-based risk assessment models to generate credit scores and payment default probability scores for both private persons and businesses. Data is delivered through self-service portals (e-Krediidiinfo for companies, Minu Creditinfo for consumers), machine-to-machine API integrations, and embedded software partnerships.

Product overview

Creditinfo Eesti operates as Estonia's largest credit and business information bureau, offering a platform-plus-modules architecture centered on its e-Krediidiinfo portal and API infrastructure. The core platform delivers company credit reports, ratings, the Payment Default Register (Maksehäireregister), and KYC/AML solutions, while a suite of add-on modules extends the portfolio — including Minu Creditinfo (consumer-facing credit data access), Target (B2B sales list self-service with international coverage), Edukas Eesti Ettevõte (credit rating certification), Turuülevaade (sector market reviews), ESG Hub (sustainability compliance), Company Monitoring (event-based alerting), Debt Management, and International Reports. Data is delivered both over machine-to-machine interfaces (APIs) and via web portals.

Differentiator

Problem solved

Functional benefit

Brands

• e-Krediidiinfo: Company credit information and monitoring portal providing business data, credit reports, and company surveillance services.
• Minu Creditinfo
• Target
• Edukas Eesti Ettevõte (Strongest in Estonia)
• ESG Hub

Products and services

• e-Krediidiinfo Web-based company information portal providing business intelligence, credit reports, ratings, financial data, and background checks on Estonian companies, accessible via web interface and API for enterprise users.
• Minu Creditinfo Consumer-facing portal allowing individuals to view their own credit information, payment default records, and related personal credit data registered with Creditinfo.
• Maksehäireregister (Payment Default Register) Estonia's largest and oldest registry mediating debt and payment default information on individuals and businesses, supporting informed credit decisions and counterparty credit background checks.
• Krediidireiting & Krediidihinnangud (Ratings & Credit Risk Assessments) Credit rating and credit risk assessment services for companies using statistical and AI/machine learning models to generate scores that support credit decision-making.
• Krediidiinfo Raportid (Credit Reports) Comprehensive credit reports on Estonian companies containing financial data, payment history, ratings, related persons, and other credit-relevant information.
• Välisettevõtete Raportid (International Company Reports) Credit and business reports on foreign companies outside Estonia, enabling international background checks and cross-border risk assessment.
• Target (Business Lists) Self-service platform for creating B2B sales and marketing lists, supplementing company databases with relevant data, and ordering international company lists from Latvia, Lithuania, and Finland.
• Edukas Eesti Ettevõte (Strongest in Estonia) Certificate Certification program recognizing Estonian companies that have maintained a top-tier A-group credit rating (A, AA, or AAA) for 15 consecutive years, serving as a quality mark for reliable business partners and employers.
• Ettevõtete Seireteenus (Company Monitoring Service) Company monitoring service that tracks dozens of business and financial indicators, sending email notifications when selected events occur such as payment defaults or ownership changes.
• Turuülevaade (Market Review Reports) Sector-specific market analysis reports covering over 25 industries, providing sector snapshots, competitive landscape, and financial benchmarking, available in standard (€129 + VAT) and Expert (€249 + VAT) tiers.
• ESG Hub Environmental, Social, and Governance data and compliance hub providing sustainability-related information, insights, and tools for financial institutions and businesses integrating ESG considerations.
• KYC / Tunne oma klienti (Know Your Customer) Know Your Customer solutions supporting customer due diligence, sanctions screening, and identity verification for compliance with anti-money laundering regulations.
• Võlahaldus (Debt Management) Debt management services for creditors and lenders to manage, track, and recover outstanding obligations.
• Andmeedastuse Lahendused (Data Sharing Solutions) Data sharing solutions enabling secure transmission and exchange of credit and business data between Creditinfo and its institutional clients, supporting machine-to-machine API integrations.

Quantifiable outcome

• Only 0.5% of Estonian companies have maintained stable high ratings for 15 consecutive years

Named customers13 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability2 records

Feature3 records

Partnerships

Four partnerships are on record, tiered strategic, minor and core.

• Fintech MarketstrategicTechnology or Integration · 3 June 2026Creditinfo Eesti and Fintech Market launched cooperation enabling Fintech Market's lending software clients to access Creditinfo business information directly within the platform. This integration provides quality information for credit decision-making, risk assessment, and business partner evaluation without requiring separate integration.
• Bureau VeritasminorOthersIndependent certification organization that issued Creditinfo Estonia the ISO 27001:2022 certificate following their audit process.
• Creditinfo GroupcoreOthersInternational parent company operating in over 40 countries, providing solution and market experience from diverse geographies. Creditinfo Eesti benefits from group resources, methodologies, and global best practices.
• FEBIS and ACCISminorOthersCreditinfo Eesti AS is a member of international FEBIS and ACCIS organizations uniting credit information companies, providing industry networking and best practice sharing opportunities.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• TransUnion: Global credit bureau and consumer credit information incumbent providing credit reports, risk scoring, and decisioning services to banks and lenders worldwide, overlapping with Creditinfo's core offerings as a broad established player.
• Equifax: US-headquartered global credit bureau and consumer credit reporting incumbent offering credit reports, scores, and analytics across multiple geographies, broadly comparable in product category to Creditinfo but at much larger scale.
• Experian: Global credit bureau and consumer credit reporting incumbent with much wider product portfolio and geographic reach than Creditinfo, serving many of the same enterprise banking and fintech customers but at global scale.
• Moody's (Bureau van Dijk): Owns Bureau van Dijk, a global business information and corporate data provider serving credit decisioning, KYC, and supply chain use cases, comparable to Creditinfo at international scale as part of Moody's broader analytics portfolio.

Direct peers

• Bisnode (now Dun & Bradstreet): Former Nordic and Baltic business information provider now part of Dun & Bradstreet, historically the closest peer to Creditinfo in Northern Europe offering company credit reports, ratings, and default registers across the same geographies.
• Creditsafe: UK-origin international credit bureau serving SMBs and enterprises with company credit reports, monitoring, and KYC solutions across 40+ markets, comparable in scale, multi-country footprint, and product set to Creditinfo.
• Inforegister: Estonian credit and business information bureau directly competing with Creditinfo Eesti in the same Estonian market, offering similar company reports, payment default data, and credit monitoring services to local banks and businesses.
• Graydon: UK and Netherlands-focused business credit information bureau offering company credit reports, ratings, and monitoring services, comparable in mid-sized regional credit bureau profile to Creditinfo Eesti.
• CRIF: Italian-headquartered international credit information and business information bureau operating across multiple European markets with credit reporting, scoring, and decisioning services directly comparable to Creditinfo's product suite.

Others

• Creditinfo Group: Parent group of Creditinfo Eesti operating in 40+ countries, providing shared credit information infrastructure, methodologies, and AI/ML models that the Estonian entity leverages. Adjacent rather than competing, since the parent sets the strategic and technical foundation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/CreditinfoEesti
• YouTubeyoutube.com/user/Krediidiinfo
• Facebookfacebook.com/CreditinfoEesti
• LinkedInlinkedin.com/company/creditinfo
• Instagraminstagram.com/creditinfoeesti

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Creditinfo Eesti