What Ibercheck does

Ibercheck Soluciones, S.L. is a Madrid-based, privately-held Spanish financial information service founded in 2010 that operates a consumer and B2B platform for accessing and interpreting personal credit and morosity data. The company's core product, the Informe de Solvencia, is a single solvency report that consolidates information from the two principal Spanish credit databases — Experian (Badexcug) and ASNEF (Equifax) — and applies a proprietary reliability scoring algorithm that classifies any registered defaults by type (mortgages, financing, rentals, utilities) and weights them differently. Ibercheck holds a registered ASNEF associate membership (A-1289), which underpins its access to ASNEF data, and it integrates Experian's Badexcug file through a separate partner relationship with Experian Bureau de Crédito. Reports are delivered in seconds to minutes for the consumer-facing purchase flow.

The platform is structured as a horizontally-segmented self-serve product: the primary customer is the Spanish individual consumer who wants to know whether they appear on ASNEF or other morosity lists before applying for credit, correct errors in their file, or guard against identity fraud; a secondary segment consists of businesses and professionals that use the reports for counterparty verification and compliance due diligence. Beyond the core report, Ibercheck offers a free monitoring/alert service (Servicio de Vigilancia) that emails users when their credit file changes, plus add-on consulting (Consultoría de Solvencia Financiera) and legal advisory (Asesoría Legal) services. The company distributes exclusively through digital self-serve channels — its website and a web application at app.ibercheck.com — and does not appear to expose an API.

Commercially, Ibercheck is a one-time-payment micro-entity (1–10 employees) that has raised approximately $341,652 across two small rounds in 2012 and 2013 with no subsequent disclosed funding, and lists its Autocheck report at €39.85 including VAT. GTM is product-led growth: customers buy directly online and receive the consolidated report without sales interaction. Customer acquisition is supported by an extensive educational blog covering ASNEF, solvency ratios, and debt management, which also functions as a Spanish-language SEO asset. The company is active (copyright through 2026) and Spain-only.

Name

Ibercheck

Legal name

Ibercheck Soluciones, S.L.

Website

https://ibercheck.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

Ibercheck Soluciones, S.L. is a Madrid-based, Spain-only consumer and B2B platform that delivers self-serve solvency reports consolidating data from Spain's two main credit databases (Experian/Badexcug and ASNEF/Equifax), targeting individuals checking their credit status and businesses performing counterparty verification.

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

Underwriting Automation & Income/Employment Verification (FSAGAHAD)

Keywords

• Credit solvency reports
• Credit file monitoring
• Morosity database reports
• Creditworthiness assessment
• Financial advisory services

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. One-time Solvency Report: Single-payment purchase model for individual solvency/morosity reports. Customers pay a one-time fee and receive a detailed credit report combining data from Experian and ASNEF. No subscription required.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

Ibercheck provides a consolidated credit solvency report (Autocheck / Informe de Solvencia) that aggregates data from Spain's two main credit databases — Experian (Badexcug) and ASNEF (Equifax) — into a single, user-friendly document delivered in seconds to minutes. The bundled offering also includes financial solvency consultancy and legal advisory services to help customers interpret the report and resolve outstanding debts, plus a free credit-file monitoring and identity-theft alert service.

Product overview

Ibercheck operates as a single-product company offering a solvency/credit report service (Informe de Solvencia). The core product consolidates information from Experian (Badexcug) and ASNEF (Equifax) databases—the two major Spanish credit databases—to provide individuals with a detailed credit report. The main product offering is complemented by an add-on advisory consulting service (Consultoría de solvencia financiera) and a free monitoring service (Vigilancia) that alerts users to changes in their credit profile. The Autocheck product appears to be a specific branded variant of the core solvency report service available for purchase through their app platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Autocheck (Informe de Solvencia)

Quantifiable outcome

• Report delivered in seconds/minutes
• +1 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• Experian Bureau de Crédito, S.A.coreTechnology or IntegrationExperian Bureau de Crédito, S.A. is the operator of the Badexcug credit file — one of Spain's two major credit databases. Ibercheck integrates data from Experian as part of its consolidated solvency report, providing the same information banks use when evaluating credit applications. The Experian report is delivered within hours.
• Asnef Equifax Servicios de Información Sobre Solvencia y Crédito SLcoreTechnology or IntegrationAsnef Equifax SL is the operator of the ASNEF credit file — Spain's most well-known morosity database. Ibercheck is a registered associate member of ASNEF (Socio adherido a ASNEF A-1289) and integrates ASNEF data into its solvency reports. The ASNEF portion of the report takes 2–5 days to deliver.
• Equifax IbéricacoreTechnology or IntegrationEquifax Ibérica is the company that manages and exploits the ASNEF database. ASNEF is the association (titular) and Equifax is the operator. The terms 'ASNEF' and 'Equifax' often refer to the same credit file in Spain. Ibercheck integrates data from both Equifax sources for its consolidated reports.

Scale indicators1 record

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• Credit Karma: Global leader in free consumer credit reports and scores, with an ad-supported business model. Provides a benchmark for the freemium consumer credit information experience Ibercheck targets, although Credit Karma is currently strongest outside Spain.
• Experian: Operates the Badexcug credit file in Spain, which is one of Ibercheck's two core data sources. As a global credit bureau, Experian offers consumer and business credit reporting at much greater scale and competes indirectly with Ibercheck's consumer-facing solvency report.
• Equifax: Manages and exploits the ASNEF credit file in Spain, Ibercheck's other core data source. Equifax is a global credit bureau and competes with Ibercheck in the consumer credit information and identity-protection space.
• CRIF: Global credit bureau with a Spanish presence offering consumer and business credit reports, scoring, and identity verification. Directly comparable to Ibercheck's product offering but at significantly larger scale and broader geographic footprint.

Regional players

• Fintonic: Spanish personal-finance management app that aggregates bank accounts and provides users with financial insights, including solvency/credit information. Operates in the same Spanish B2C fintech space as Ibercheck and partially overlaps on credit-data presentation.
• HelpMyCash: Spanish financial comparison and credit-information portal covering mortgages, loans, and ASNEF-related content. Competes for the same Spanish consumer intent (credit information and financial products) via content and SEO, mirroring Ibercheck's marketing approach.
• Rankia: Spain's largest financial community and comparison platform, covering credit products and personal finance. Targets overlapping Spanish consumers with credit-related content and product comparisons, making it a partial substitute for Ibercheck's information offering.

Emerging players

• ClearScore: UK-based consumer credit report and score platform offering free Experian-sourced reports. Operates a comparable product-led model in another European market, making it a useful strategic benchmark for Ibercheck's freemium/PLG ambitions.

Direct peers

• CrediMarket: Spanish credit-comparison and ASNEF-related information provider offering consumers access to morosity checks and credit report information. Directly competes with Ibercheck for Spanish B2C and B2B users seeking solvency and credit information.
• InfoSolvencia: Spanish consumer-facing platform that aggregates ASNEF and other morosity data to deliver solvency reports to individuals. The most direct functional peer to Ibercheck, with a near-identical product proposition in the same Spanish market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/ibercheck
• Facebookfacebook.com/ibercheck
• LinkedInlinkedin.com/company/ibercheck

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds2 records

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 Ibercheck