Ukrainian Bureau Of Credit Stories

What Ukrainian Bureau Of Credit Stories does

Ukrainian Bureau of Credit Histories (UBKI / ТОВ «Українське бюро кредитних історій») is a Dnipro-headquartered, privately held credit bureau founded in 2005 that operates as Ukraine's largest aggregator of borrower credit histories. The company collects credit data from at least ten major Ukrainian banks — including PrivatBank, Oschadbank, PUMB, Monobank, Sense Bank, TAS Bank, Idea Bank, A-bank, and Credit Agricole — and from non-bank financial institutions, retaining records for ten years and producing credit histories and credit scores for both individuals and legal entities. UBKI distributes its services through a self-serve website (ubki.ua), native iOS and Android apps, Telegram and Viber chatbots (UBKI Credit History and Monitorno), an in-app experience inside Privat24, and authentication integrations with Diya.Pidpys, Monobank, and SmartID.

UBKI's core consumer product is Credit History with an annual free report (per Ukrainian law) and 120 UAH per repeat request, layered with the StatusControl subscription that provides unlimited reports, SMS event alerts, a FREEZE option to block unauthorized loan applications, and family monitoring for up to three relatives. For businesses, the central product is the Business Reputation Dossier, which aggregates counterparty intelligence from Ukrainian state registers — courts, enforcement proceedings, sanctions, licenses, trademarks, ProZorro tender history, government inspection plans, professional status, and property registries (SRMPE, SRRR) — and adds two AI-powered analytical features: AI Financial Statement Analysis (autonomy, liquidity, ROA/ROE, leverage conclusions in 30 seconds) and an AI Court Case analyzer producing structured five-element summaries.

The company monetizes via recurring consumer subscriptions, per-inquiry fees, tiered business verification subscriptions, and B2B licensing to banks and lenders that consume credit histories and Dossier reports for loan decisioning and compliance. Strategic partnerships include the National Bank of Ukraine on consumer credit rights protection and the International Finance Corporation on a Diia.Osvita educational series, anchoring UBKI within both regulatory and state digital infrastructure channels.

Name

Ukrainian Bureau Of Credit Stories

Legal name

ТОВ «Українське бюро кредитних історій» (Ukrainian Bureau of Credit Histories LLC)

Website

https://ubki.ua

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

UBKI is Ukraine's largest licensed credit bureau, founded in 2005, collecting credit histories from 10+ major banks and serving individuals, banks, and businesses via credit reports, the StatusControl subscription, and the AI-augmented Business Reputation Dossier.

Ownership category

akta.pro rank

Product category

Credit Bureau Services

NAICS

Credit Bureaus (561450)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

akta.pro secondary industries

Credit Bureau Reporting & Dispute Management Support (FCRA/CRA Ops) (BPAAAEAI), Credit File Dispute Management & Consumer Data Remediation (FSAKAKAI)

Keywords

• Credit bureau services
• Credit history reports
• Counterparty verification
• Business reputation dossiers
• Credit risk analytics

Headquarters

HQ city

Kyiv

HQ country

Ukraine

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Subscription Services: StatusControl service provides unlimited access to credit reports and SMS notifications for significant events for a recurring subscription fee. Also includes 3 family member credit histories, FREEZE option, 5 DROM/RRP/Auto reports per month, and 10 company monitoring slots.
2. Credit History Reports: Individual credit history reports available free once per year; repeated requests charged at 120 UAH. Business credit history reports available through paid subscription or per-inquiry basis.
3. Business Verification Services: Revenue from business entities accessing counterparty verification services, court case checks, sanctions screening, license verification, and professional status verification. Pricing varies by service tier (Standard, other tiers).
4. Mail/Correspondence Credit History: Written requests for credit history by mail incur a 150 UAH fee plus postal delivery charges.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

UBKI operates Ukraine's largest credit bureau, aggregating credit data from 10+ major Ukrainian banks and financial institutions. The company provides individuals with credit history reports, credit scores, and continuous monitoring (StatusControl) with fraud protection, while delivering businesses a comprehensive counterparty verification and Business Reputation Dossier service that consolidates data from Ukrainian state registers (courts, enforcement, sanctions, licenses, tenders, trademarks, government inspections) with AI-powered financial statement and court case analysis.

Product overview

Ukrainian Bureau Of Credit Stories operates as a credit bureau platform offering credit history management for individuals and comprehensive business intelligence services. The core products include Credit History reports and Credit Score ratings, supplemented by the StatusControl monitoring service with fraud protection (FREEZE option) and family tracking capabilities. For businesses, the main offering is the Business Reputation Dossier (Досьє ділової репутації) aggregating data from multiple public registries. Recent additions include AI-powered features: Financial Statement Analysis processing Forms No.1 and No.2, and enhanced Court Case Analysis generating structured summaries. Additional services cover sanctions verification, license checking, enforcement proceedings, court subpoenas, tender history, trademarks, government inspections, professional activity verification, and property registries (movable/real estate). The platform is accessible via website, mobile apps (iOS/Android), chatbots (Telegram/Viber), and integration with Privat24 banking.

Differentiator

Problem solved

Functional benefit

Brands

• Моніторно (Monitorno): Telegram and Viber chatbot service providing dossiers on companies, individual entrepreneurs, and individuals, with integrated information from public registers and open sources.
• СтатусКонтроль (StatusControl)
• Credit History App (Кредитна історія)

Products and services

• Credit History (Кредитна історія) Information about loans and repayment discipline stored in the UBKI database, available to individuals and businesses to verify accuracy and detect fraudulent credits on their name.
• Credit Score (Кредитний рейтинг) Numerical evaluation of credit history quality indicating the statistical probability of successful loan fulfillment, relied upon by lenders for credit decisions.
• StatusControl (СтатусКонтроль) Subscription monitoring service with unlimited credit report access, SMS notifications for credit events, FREEZE option to block fraudulent loans, and tracking of up to 3 family members' credit histories.
• Business Reputation Dossier (Досьє ділової репутації) Comprehensive dossier on Ukrainian companies and sole proprietors aggregating data from public registers including court cases, sanctions, licenses, financial statements, tenders, trademarks, and government inspections.
• Counterparty Monitoring (Моніторинг контрагентів) Ongoing tracking of registration changes, financial statements, management, ownership, and public sources for business entities to support ongoing counterparty due diligence.
• Mobile App (Мобільний застосунок) Native mobile applications for iOS and Android providing credit history access, credit score verification, lost passport registration, and StatusControl subscription services.
• Chatbots (Чат-боти) Telegram and Viber chatbots UBKI Credit History and Monitorno providing credit history access, family member monitoring, and counterparty verification via integrated public registry data.
• AI Financial Statement Analysis (ШІ-аналіз фінансової звітності) AI-powered analysis of Ukrainian financial statements (Forms No.1 and No.2) providing automated audit across autonomy, liquidity, efficiency, and leverage metrics with plain-language conclusions on company solvency.
• AI Court Case Analysis (ШІ-аналіз судових справ) AI algorithm that performs deep semantic analysis of court documents, extracting parties involved, essence of dispute, case review timeline, court motivation, and end result as structured summaries.
• Enterprise Credit History (Кредитна історія підприємства) Credit history information for legal entities showing loans and repayment discipline stored in the UBKI database, used by businesses and lenders to assess company creditworthiness.
• UBKI Partnership Program (Як стати партнером УБКІ) Partner program enabling businesses to verify potential clients, debtors, employees, partners and counterparties, control risks and prevent fraud online 24/7 without monthly subscription fees.

Quantifiable outcome

• AI analysis reduces court document review from 10-15 minutes to 10 seconds per case
• +2 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability9 records

Feature6 records

Partnerships

13 partnerships are on record, tiered core and strategic.

• PrivatBankcoreTechnology or IntegrationPrimary banking partner providing credit data to the bureau and distributing services through Privat24 online banking platform. Credit history and rating services accessible directly within PrivatBank's digital banking interface.
• PUMB (Ukrsibbank)coreTechnology or IntegrationBanking partner contributing credit data to the bureau and accessing credit verification services for loan decisions.
• OschadbankcoreTechnology or IntegrationState banking partner providing credit information and utilizing bureau services for customer verification.
• MonobankcoreTechnology or IntegrationDigital banking partner integrating credit history verification into loan decisioning processes.
• Sense BankcoreTechnology or IntegrationBanking partner contributing credit data and accessing bureau verification services.
• TAS BankcoreTechnology or IntegrationBanking partner providing credit information and utilizing bureau services.
• Idea BankcoreTechnology or IntegrationBanking partner integrated with credit bureau data exchange.
• A-bankcoreTechnology or IntegrationBanking partner contributing to credit data pool.
• Credit AgricolecoreTechnology or IntegrationInternational banking group operating in Ukraine as credit data partner.
• IFC (International Finance Corporation)strategicStrategic or Co-development PartnerDeveloped educational series Credit History: What is it and why is it important? together with UBKI to improve financial literacy among Ukrainians. Part of IFC's support for financial sector development.
• National Bank of UkrainestrategicStrategic or Co-development PartnerPartner in consumer credit rights protection campaign Know Your Rights: Credits aimed at improving borrower awareness of credit services, rights, and responsible lending practices.
• State Registers (Multiple)coreTechnology or IntegrationIntegration partnerships with Ukrainian state registries including: State Register of Movable Property Encumbrances (SRMPE), State Register of Real Rights to Immovable Property (SRRR), Enforcement Proceedings Register, Debtor Register, Court Registers, ProZorro Tender System, National Bar Association Register, Unified Register of Notaries, High Qualification Commission of Judges Register, State Tax Service, State Labour Service, and others.
• ProZorrocoreTechnology or IntegrationIntegration with Ukrainian public procurement system ProZorro for tender history verification in Business Reputation Dossier service.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• SCHUFA Holding: Germany's leading consumer credit bureau, comparable as a vertically integrated credit information infrastructure player whose business model, regulatory positioning, and credit history value proposition closely mirrors UBKI's in Ukraine.
• Equifax: Global credit bureau offering consumer and business credit information, scoring, and analytics with comparable data aggregation, monitoring, and dispute resolution capabilities to UBKI.
• Creditinfo Group: Iceland-headquartered credit bureau operator with a network of bureaus across CEE and CIS, offering consumer and commercial credit information services comparable to UBKI's core offerings in adjacent markets.
• Dun & Bradstreet: Global business information and counterparty due diligence provider whose Business Reputation Dossier-style offerings map directly to UBKI's Business Reputation Dossier service, including financial statement analysis and risk indicators.
• CRIF: Global credit bureau and business information group with significant Eastern European presence, offering credit reporting, business information, and decisioning solutions that overlap with UBKI's portfolio, particularly in B2B counterparty intelligence.

Others

• Veriff: Identity verification and fraud prevention platform adjacent to UBKI's passport verification and FREEZE fraud protection features, with comparable KYC/AML application patterns for lenders.

Emerging players

• OpusData (Ukrainian business verification): Ukrainian-focused company intelligence and counterparty verification service aggregating public registry data, partially overlapping with UBKI's business verification and dossier offerings.
• YouControl: Ukrainian business intelligence and counterparty verification platform that aggregates public registry data for due diligence, directly competing with UBKI's Business Reputation Dossier in the Ukrainian market.

Direct peers

• First Ukrainian Credit Bureau (FUCB): One of the other licensed Ukrainian credit bureaus, directly competing with UBKI for data contribution agreements with Ukrainian banks and for lender credit reporting volumes in the same domestic market.
• International Credit Bureau (Ukraine): Another licensed Ukrainian credit bureau operating credit history databases for Ukrainian lenders, directly overlapping with UBKI in core consumer and business credit reporting services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ukrainian-bureau-of-credit-histories

Revenue estimate

Valuation estimate

Number of profiles

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 Ukrainian Bureau Of Credit Stories