CBCB

What CBCB does

CBCB – Czech Banking Credit Bureau, a.s. is a privately held Czech joint-stock company founded in 2001 in Prague that operates the Bankovní registr klientských informací (BRKI), the statutory banking credit registry of the Czech Republic. BRKI is a closed-system database that records both positive and negative information on the creditworthiness, trustworthiness, and payment behaviour of individuals across their contractual credit relationships with Czech banks and building societies. The registry is operated under Section 38a of the Czech Banking Act (Law No. 21/1992 Coll.), and its 21 member banks and 42 non-banking financial institutions serve simultaneously as data contributors and joint controllers of personal data, embedding BRKI into the regulated credit decisioning process.

CBCB's core offering is the BRKI database, secured via encrypted transmission and certificate-based authentication. Its commercial activity is concentrated in three layers: (i) data services to member institutions, who access BRKI for risk evaluation and over-indebtedness screening, with revenue mechanics implying a recurring subscription / membership structure; (ii) consumer-facing credit report extracts priced at unit fees (e.g., 95 CZK for postal delivery), fulfilled through the Client Centre operated by CRIF CZ and, since August 2025, distributed via Česká pošta; and (iii) market intelligence products, principally the quarterly Barometr úvěrového trhu (Credit Market Barometer) co-published with CNCB's NRKI. As of Q1 2026 the registry covered 4.22 trillion CZK of Czech household debt with 37.9 billion CZK in non-performing exposures.

The company's strategic posture is that of a regulated industry utility rather than a commercial vendor: it has no disclosed external funding, no public listing, a 1–10 employee footprint, and operates through CRIF CZ for client services and IT delivery. Its strategic agenda has centred on deepening multi-registry integration (BRKI + NRKI + SOLUS) through products such as Komplexní výpis, expanding member coverage to newer Czech entrants (Partners Banka, Trinity Bank, InBank), and consumer-protection activities co-issued with ČBA and ČLFA against fraudulent credit-information services. The underlying Czech credit market has grown at double-digit rates (12% YoY in 2025), but CBCB's own revenue trajectory is opaque given the absence of disclosed financials.

Name

CBCB

Legal name

CBCB – Czech Banking Credit Bureau, a.s.

Website

https://cbcb.cz

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

1–10 employees

Short description

CBCB operates BRKI, the statutory Czech banking credit registry, recording positive and negative credit information for 21 member banks and 42 non-bank lenders. Founded in 2001 in Prague, the private joint-stock company serves the entire Czech credit market and is operated by CRIF CZ.

Ownership category

akta.pro rank

Product category

Credit Bureau Services

NAICS

Credit Bureaus (561450)

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)

SECONDARYFSAKAKAJ

Credit Education, Monitoring & Consumer Credit Management Tools

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

SECONDARYFSAKAKAI

Credit File Dispute Management & Consumer Data Remediation

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

Keywords

• Credit bureau services
• Consumer credit reporting
• Banking credit registry
• Credit information sharing
• Credit risk assessment

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Technology or R&D, Infrastructure, Operations, Personnel, Others

Revenue model

1. Credit data services to member banks: CBCB provides credit information services to its member banks and building societies. Banks and building societies that are members share client credit data with the register and use it for informed lending decisions.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

CBCB operates the Bankovní registr klientských informací (BRKI), a closed-system credit registry that pools and shares credit data (creditworthiness, trustworthiness, payment behaviour, total credit exposure) supplied by its member banks and building societies. The company also produces the quarterly Barometr úvěrového trhu (Credit Market Barometer) publication and provides consumer-facing credit-report extracts through a client centre operated by CRIF CZ, including a consolidated Komplexní výpis distributed via Czech Post.

Product overview

CBCB – Czech Banking Credit Bureau operates primarily as a credit registry, managing the Bankovní registr klientských informací (BRKI), which contains contractual credit relationship data between banks and their clients. The registry contains both positive and negative information about creditworthiness, enabling financial institutions to make informed lending decisions. The company provides related services including credit extracts (Výpisy), quarterly market barometer reports (Barometr úvěrového trhu), and through partnerships, comprehensive credit reports combining data from multiple registries. The BRKI is the core product offering, with supporting reporting and client service products.

Differentiator

Problem solved

Functional benefit

Products and services

• Bankovní registr klientských informací (BRKI) — Banking Register of Client Information The core closed-system credit registry operated by CBCB that stores contractual credit relationships between member banks/building societies and their clients, covering creditworthiness, trustworthiness, payment behaviour and total credit exposure across individual credit products. Used by member banks for informed lending decisions and by individuals to build verifiable credit history.
• Barometr úvěrového trhu (Credit Market Barometer) Quarterly analytical publication providing an overview of short-term and long-term consumer loans contained in the Bank and Non-Bank Registers, tracking household debt trends (housing and consumer credit) year-over-year. Distributed as a downloadable PDF to members, media and the public.
• Výpisy a služby (Extracts and Services) Client-facing service allowing individual consumers to request credit report extracts from BRKI, obtain copies of their personal data, and submit data-correction requests through the Client Centre (online portal, postal, data box, email). Used by consumers applying for new credit and wanting to verify or correct their registry record.
• Komplexní výpis (Comprehensive Extract) A consolidated credit-history extract combining data from BRKI, NRKI and SOLUS registries — covering credit obligations, insolvencies and executions — distributed through the Czech Post network. Targeted at Czech citizens who want a single integrated view of their credit standing.

Quantifiable outcome

• Members receive comprehensive data enabling informed lending decisions, reducing the risk of over-indebtedness among borrowers.

Named customers20 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• CNCB – Czech Non-Banking Credit Bureau, z.s.p.o.coreStrategic or Co-development PartnerCNCB operates the Nebankovní registr klientských informací (NRKI), the Non-Banking Register of Client Information. CBCB and CNCB share data between their respective registers (BRKI and NRKI) and jointly publish the Credit Market Barometer covering both registers. They also jointly issue important warnings about fraudulent services (e.g., CERD, WEKOR, NLTS Global Analytics).
• CRIF – Czech Credit Bureau, a.s. (CRIF CZ)coreImplementation/ SI/ Consulting PartnerCRIF CZ operates the Client Centre for CBCB, handling client requests for credit report extracts, data copies, and corrections. Personal data submitted through the CBCB website contact forms is forwarded to CRIF CZ for service fulfillment. CRIF CZ also manages the online portal at klient.kolikmam.cz for CBCB services.
• Česká pošta (Czech Post)minorChannel Partner/ Reseller/ DistributorČeská pošta partnered with CRIF CZ to offer Komplexní výpis (Comprehensive extract) from August 2025, providing citizens with a consolidated overview of credit obligations, insolvencies, and executions from BRKI, NRKI, and SOLUS registries.
• SOLUS, zájmové sdružení právnických osobminorStrategic or Co-development PartnerSOLUS is a voluntary association of legal entities operating credit information registries. CBCB, CNCB, and SOLUS jointly issue important warnings about fraudulent services and misleading practices targeting consumers.
• Česká bankovní asociace (ČBA)minorStrategic or Co-development PartnerČeská bankovní asociace (Czech Banking Association) has jointly issued warnings with CBCB, CNCB, and SOLUS regarding fraudulent services that misuse credit registry identities.
• Česká leasingová a finanční asociace (ČLFA)minorStrategic or Co-development PartnerČLFA has jointly issued warnings with CBCB, CNCB, and SOLUS regarding fraudulent services, specifically classifying the activities of certain services as fraudulent.
• CRIF S.P.A.minorOthersCBCB may provide collected web visitor information to CRIF S.P.A., the parent company of CRIF CZ, as well as to third parties such as suppliers or other service providers requested by users.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Equifax Inc. One of the three major global credit bureaus; competes with CRIF/Experian for cross-border consumer credit analytics that Czech lenders can buy instead of relying solely on BRKI.
• Schufa Holding AG: Germany's dominant consumer credit bureau — the blueprint for a national, bank-owned registry under a banking-act mandate. Same business model (positive+negative credit data, member banks, consumer extracts), at much larger scale.
• CRIF S.P.A. Parent group of CRIF CZ, which operates CBCB's client services and portal. CRIF S.P.A. is a global credit bureau and business information provider with overlapping consumer-credit data, scoring and analytics offerings in CEE.
• Experian plc: Global consumer credit bureau offering credit reports, scores, monitoring and analytics. Increasingly targets CEE lenders with alternative-data and open-banking underwriting, competing for the same wallet share as BRKI among Czech banks.
• TransUnion: Global credit information company providing consumer and commercial credit reports, scores and risk analytics, with growing presence in European credit-decisioning markets — overlapping with BRKI on the lender-facing analytics layer.

Direct peers

• CRIF – Czech Credit Bureau, a.s. (CRIF CZ): Czech operating partner of CBCB and a credit bureau/decisioning provider in its own right, serving Czech lenders with credit reports and analytics. Operationally intertwined with CBCB via the Client Centre and consumer portal.
• Creditinfo Group: Iceland-based international credit bureau network active across multiple European and emerging markets, providing consumer and commercial credit reports, scoring and monitoring — directly comparable offering to CBCB in adjacent geographies.
• CNCB – Czech Non-Banking Credit Bureau: Operates the NRKI (Nebankovní registr klientských informací), the non-bank mirror of CBCB's BRKI. Same data-sharing concept but for non-bank lenders, with a strategic data-exchange alliance with CBCB and joint quarterly Credit Market Barometer reporting — the closest functional twin in the Czech market.
• SOLUS, zájmové sdružení právnických osob: Czech voluntary credit registry association covering consumer defaults; jointly issues fraud warnings with CBCB/CNCB and is now bundled with BRKI/NRKI into the Komplexní výpis consumer product. Same regulatory and consumer-credit context, slightly different member base.

Regional players

• BISNODE (Dun & Bradstreet): European business and consumer credit information provider (now part of Dun & Bradstreet), serving multiple CEE markets including Czech Republic with credit reports and risk analytics — comparable data-product portfolio to CBCB.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cbcb-czech

Compliance2 records

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 CBCB