Krediidiregister

Name

Krediidiregister

Legal name

OÜ Krediidiregister

Website

https://krediidiregister.ee

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Credit Bureau and Business Information Services

NAICS

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

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Alternative / Non-Traditional Credit Data Providers (FSAKAKAB)

akta.pro secondary industry

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

Keywords

• Credit bureau services
• Payment default registry
• Credit risk assessment
• Account information services
• Business background checks

Headquarters

HQ city

Tallinn

HQ country

Estonia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Credit Report Queries (taust.ee portal): Revenue generated from businesses making credit report queries via the taust.ee portal. The portal handles approximately 3.5 million credit report queries per month.
2. API / Machine Interface Access: Revenue from integrated API access enabling clients to automate credit decisions within their own systems. Approximately 1.6 million integrated credit decisions are made annually through client systems.
3. Accountscoring Services: Bank account statement analysis services provided to lenders for responsible lending assessment.
4. Financial Excellence Certification: Badge certification services for businesses recognised for financial excellence and creditworthiness, offered as Premium or Digital packages.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Krediidiregister operates Estonia's largest payment default registry and provides credit information services that enable businesses to assess the creditworthiness of individuals and legal entities. Its core offering combines a payment default database, personal and corporate credit scores, automated bank account statement analysis (Accountscoring), and company monitoring services, delivered via the taust.ee web portal and machine-to-machine API integrations.

Product overview

Krediidiregister operates as a unified platform providing comprehensive credit and business risk management solutions in Estonia. The product portfolio centers on the Maksehäireregister (Payment Default Registry) as the core database, supplemented by credit scoring products for both individuals (Eraisiku krediidiskoor) and legal entities (Juriidilise isiku krediidireiting). The Accountscoring service adds bank statement analysis capabilities since becoming the first licensed account information service provider in Estonia in 2018. Additional modules like Otsustuspuu (decision tree) and Krediidiskoor+ optimize credit decision processes, while monitoring (Ettevõtte seire) and sales tools (Müüginimekirjad, Kliendibaasi andmete uuendamine) extend the platform for business intelligence. The Financial Excellence and TOP recognition marks add a marketing differentiation layer for approved companies.

Differentiator

Problem solved

Functional benefit

Products and services

• Maksehäireregister (Payment Default Register) Estonia's largest payment default registry collecting data on overdue debts of private individuals and companies, enabling businesses to check partners' payment behaviour history and make informed credit decisions.
• Accountscoring Automated bank account statement analysis service that analyses transactions on individuals' accounts to assess creditworthiness, helping lenders reduce credit losses and comply with responsible lending principles.
• Eraisiku krediidiskoor (Personal Credit Score)

Quantifiable outcome

• 3.5 million credit report queries processed per month through the taust.ee portal
• +2 more outcomes

Named customers4 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

Feature5 records

Partnerships

One partnership is on record.

• Aktiva Finance GroupcoreStrategic or Co-development Partner · 12 March 2024Aktiva Finance Group (parent company of Julianus Inkasso) was the first recipient of the Financial Excellence Gold Badge in March 2024. Krediidiregister works closely with Aktiva Finance Group's subsidiary Julianus Inkasso on joint data analysis of payment defaults and credit risk trends in Estonia. The companies co-produce quarterly and annual payment default analyses based on their combined databases.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• SCHUFA: Germany's dominant consumer credit bureau, providing credit reports, scores, and data services to lenders. While operating only in Germany, it is a relevant benchmark for the credit bureau business model Krediidiregister runs in Estonia.
• Dun & Bradstreet: Global business credit data incumbent that absorbed the former Bisnode, the leading Nordic-Baltic B2B information provider. Competes with Krediidiregister on legal-entity credit ratings and corporate monitoring, but at much larger scale and broader geographic reach.
• Plaid: US-headquartered bank data aggregation and account information platform powering lending and fintech use cases. Plaid is a comparable scaled analogue of Krediidiregister's Accountscoring capability and a benchmark for the embedded data-network business model.
• Creditreform: Large European credit bureau and business information network headquartered in Germany. Comparable to Krediidiregister in offering payment default data, credit reports, and corporate credit assessments, but across a much wider geography.

Direct peers

• Tink: Swedish open banking platform (acquired by Visa) providing account information and payment initiation services across Europe. Comparable to Krediidiregister's AISP-licensed Accountscoring in delivering bank-statement-derived credit insights to lenders.
• Salt Edge: A PSD2-licensed account information service provider that aggregates and analyses bank account data, very similar to Krediidiregister's Accountscoring product. Operates across Europe and competes for the same lender customer base using open-banking infrastructure.
• Creditinfo Group: Iceland-headquartered credit bureau that operates across multiple European markets, including the Baltics. It is the most direct competitor to Krediidiregister, offering consumer and business credit reports, scores, and decisioning data in overlapping geographies.
• Inforegister: Estonian business information and credit data provider that sells company background checks and credit-relevant data to local enterprises. It overlaps directly with Krediidiregister's legal-entity credit rating and company monitoring products in the Estonian market.
• CRIF: Italy-based global credit bureau and information services provider with operations across more than 40 countries, including the Baltics. CRIF competes with Krediidiregister on consumer/business credit reporting, scoring, and decision-support analytics for lenders.

Others

• Moneyzen: Estonian consumer finance company shown as a partner on Krediidiregister's website. Not a direct competitor, but an adjacent ecosystem participant that consumes credit bureau data and is useful for understanding local distribution and customer overlap.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Krediidiregister

Compliance1 record

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 Krediidiregister