Caribbean Credit Bureau

What Caribbean Credit Bureau does

Caribbean Credit Bureau (CCB) is a private, Curaçao-headquartered consumer credit bureau operating a closed credit-information sharing system across the Dutch Caribbean. Founded in 2003 and operating through three legal entities (CCB N.V. in Curaçao, CCB Bonaire N.V., and CCB Sint Maarten N.V.), with an additional service office in Aruba, CCB aggregates credit data submitted by Member financial institutions — banks, lenders, and credit issuers that enter formal membership agreements — into individual consumer and business credit files. Its platform calculates Credit Scores, Default scores, and days-in-arrears, and produces digital credit reports delivered to Members for responsible-lending decisions. Consumer-facing functionality is delivered through a multilingual website (English, Dutch, Papiamentu, Spanish) where individuals can request their own credit report (one free annually, with fees for additional reports).

CCB's revenue model combines recurring Member subscription fees with transaction-based consumer report fees. The technology stack is centered on a closed registry with AES 256 asymmetrical encryption (key held by an independent custodian), two-factor authentication, SSL data transmission, batch-request prohibition, and AI-assisted fraud detection and service-delivery optimization. The platform is SOC 2 Type 1 certified (AICPA) and observes GDPR alongside local Curaçao and BES privacy statutes, with Standard Contractual Clauses governing international data transfers. CCB also participates in reciprocal data exchanges with selected international credit bureaus and holds memberships in ALACRED (CEO on the Board), ACCIS, the Curaçao Fintech Association, and SIMIA. The organization is lean (1–10 employees), privately held with no disclosed funding rounds, parent company, or external equity sponsors, and serves as a single integrated infrastructure layer for credit information in the Dutch Caribbean market.

Name

Caribbean Credit Bureau

Legal name

Caribbean Credit Bureau N.V.

Website

https://caribbeancreditbureau.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1–10 employees

Short description

Caribbean Credit Bureau (CCB) is a private Curaçao-based consumer credit bureau operating a closed credit-data sharing system across the Dutch Caribbean (Curaçao, Bonaire, Sint Maarten, Aruba), serving Member financial institutions with credit reports and scores while enabling consumer credit-report access.

Ownership category

akta.pro rank

Product category

Credit Bureau Services

NAICS

Credit Bureaus (561450), Credit Bureaus (56145)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro industry

PRIMARYFSAKAKAA

Credit Bureaus & Consumer Credit Reporting Agencies

Financial & Insurance/Lending & Consumer Finance/Credit Reporting, Scoring & Underwriting (Consumer)

Keywords

• Credit bureau services
• Consumer credit reports
• Credit information sharing
• Financial data registry
• Credit scoring platform

Headquarters

HQ city

Curacao

HQ country

Costa Rica

HQ region

Latin America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Member (Financial Institution) Subscriptions: CCB charges financial institutions (Members) for access to its credit reporting services. Members include banks, lenders, and credit issuers who join CCB through a membership agreement, code of conduct, and general rules, paying for credit data access to support responsible lending decisions.
2. Consumer Credit Report Fees: Individuals (Persons/Consumers) are entitled to one free credit report per year. A fee is charged for providing more than one credit report per year. This applies to requests made via Members, international credit bureaus with data exchange contracts, and at CCB offices.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Caribbean Credit Bureau operates a closed credit sharing system in the Dutch Caribbean that aggregates credit data submitted by financial institution Members, links credits to individual consumer files, calculates days-in-arrears, and produces Credit Scores, Default scores, and digital credit reports. It provides consumer and business credit reports to support responsible lending, mitigate over-crediting, and promote financial inclusion across Curaçao, Bonaire, Sint Maarten, and Aruba.

Product overview

Caribbean Credit Bureau (CCB) operates as a unified credit bureau platform providing credit information services through a closed sharing system. The company offers two core products: Consumer Credit Reports for individuals to access their credit history and demonstrate good repayment behavior, and Business Credit Reports for credit assessment purposes. Both products serve to promote responsible lending practices, prevent over-crediting, and stimulate financial inclusion in the Dutch Caribbean region.

Differentiator

Problem solved

Functional benefit

Products and services

• Consumer Credit Reports

Quantifiable outcome

• Financial institutions can mitigate preventable write-offs by accessing total credit exposure data before issuing new credit.
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• ALACRED (Asociación Latinoamericana y del Caribe de Burós de Crédito)coreStrategic or Co-development PartnerCCB is a member of ALACRED, a Latin American and Caribbean association of credit bureaus. CCB's CEO holds a Board position in this association, indicating a significant governance-level involvement. ALACRED connects CCB with credit bureau peers across the Latin American and Caribbean region, supporting knowledge sharing and industry best practices.
• ACCIS (Association of Consumer Credit Information Suppliers)coreStrategic or Co-development PartnerCCB is an associate member of ACCIS, which brings together more than 40 member bureaus from all over Europe as well as associates across the globe. ACCIS membership provides CCB with access to industry standards, peer networks, and best practices from global credit information suppliers.
• Curaçao Fintech AssociationminorStrategic or Co-development PartnerCCB is an affiliate member of the Curaçao Fintech Association. This membership connects CCB with the local fintech ecosystem in Curaçao and demonstrates its role as a fintech player contributing to the digital financial services landscape in the Dutch Caribbean.
• International Credit Bureaus (Reciprocal Data Exchange Partners)coreTechnology or IntegrationCCB shares information with a selected number of respected international credit bureaus that adhere to the same level of security and privacy principles as CCB, but only to the extent that such international credit bureaus also provide valuable information to the Members of CCB. Data sharing is reciprocal and governed by formal data-sharing agreements under local privacy law requirements.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Equifax: One of the three global consumer credit bureaus; while its Dutch Caribbean presence is limited, Equifax has the scale, AI analytics, and Member relationships to enter or partner into CCB's territory if economic conditions justify.
• TransUnion: Global credit bureau with established Latin American footprint (e.g., through Buro de Crédito in Mexico and Datacrédito in Colombia); comparable business model of compiling consumer credit files and selling reports to lenders.
• Experian: Global credit bureau operating broadly across consumer credit reporting and analytics; comparable in that it serves lenders with credit reports and scores, and could compete with CCB's institutional Members across the Caribbean.
• Dun & Bradstreet: Business credit reporting incumbent offering commercial credit files and Paydex scores; comparable to CCB's Business Credit Reports product line and relevant as CCB extends its small-business credit offerings.

Emerging players

• Creditsafe: Smaller, technology-forward global credit bureau competing on price and digital delivery; relevant peer for CCB's business credit segment and a potential competitive threat if it localizes a Caribbean offering.

Regional players

• Buro de Crédito: Mexico's dominant credit bureau (TransUnion affiliate), operating a closed credit-sharing system comparable to CCB's model; instructive peer for how CCB could scale into adjacent Spanish-speaking Caribbean markets.
• Datacrédito: Colombia's leading consumer credit bureau (TransUnion affiliate) with comparable closed-loop data-sharing model; relevant regional peer for CCB's ALACRED-aligned expansion strategy.

Direct peers

• CRIF: Global credit bureau and consumer information provider with deep operations across Latin America and the Caribbean; CRIF competes directly with CCB for the same Member institutions and uses a comparable closed-sharing model in regional markets.

Others

• ALACRED: Latin American and Caribbean credit bureau industry association of which CCB is a member; relevant as an ecosystem/peer-network participant rather than a direct competitor, but it defines the institutional peer group CCB benchmarks against.
• ACCIS: Association of Consumer Credit Information Suppliers bringing together 40+ European member bureaus plus global associates; relevant ecosystem peer that connects CCB to best-practice and potential partnership opportunities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 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 Caribbean Credit Bureau