Krediidiinfo

What Krediidiinfo does

Krediidiinfo, legally AS Creditinfo Eesti, is Estonia's primary consumer and commercial credit information group, headquartered in Tallinn and operating since 1993 as part of the broader Creditinfo International network. The company runs the e-Krediidiinfo portal, a unified B2B platform that delivers credit reports, company monitoring, AML/sanctions screening, and credit risk scoring to Estonian businesses and, increasingly, to customers sourcing international data on 17+ countries including the Nordics, Baltics, Western Europe, the United States, and Japan. Authentication is integrated with Estonia's national digital identity stack via Mobile-ID, Smart-ID, and ID-card through Dokobit.

The company's technological core is the Maksehäireregister (Payment Default Register), established in 2001 in cooperation with Estonian banks, which holds nearly 600,000 payment default entries for individuals and companies and feeds its proprietary credit scoring models. Around this data foundation sit the Seire monitoring service, the Krediidihinnang credit assessment service with probability of default scoring, PEP and Sanctions Screening for AML/KYC, the Nimekirjad / Target company lists tools, and the Edukas Eesti Ettevõte (Successful Estonian Company) certification program that has run for over 20 years. There is no public API offering; platform integration is indirect through e-invoicing partners and identity providers.

Krediidiinfo's business model is a hybrid of recurring subscriptions and transactional report sales sold primarily through a self-serve web portal with sales assistance for the Proff XL premium package (starting €65/month). Revenue streams span Proff XL subscriptions, tiered monitoring subscriptions (€20–€160+/month), volume-based PEP/sanctions queries (€50–€300+/month), tiered credit rating subscriptions (€35–€915+/month), one-time report purchases (€1–€26), and one-time certification packages (€339–€599). The primary customer segment is Estonian business customers needing partner credit risk assessment and AML compliance support; a secondary consumer portal (Minu Creditinfo) serves individuals. Named enterprise users include Swedbank, Olerex, and Cramo Estonia, alongside a long tail of SME customers visible in the portal's most-searched lists.

Name

Krediidiinfo

Legal name

AS Creditinfo Eesti

Website

https://e-krediidiinfo.ee

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

11–50 employees

Short description

Krediidiinfo (AS Creditinfo Eesti) is Estonia's primary credit information bureau, operating the e-Krediidiinfo portal with the country's largest payment default registry, credit risk scoring, company monitoring, and AML/sanctions screening services for Estonian business customers across 17+ countries.

Ownership category

akta.pro rank

Product category

Credit Information Services

NAICS

Credit Bureaus (56145), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Consumer Credit Decisioning & Underwriting Platforms (FSAKAKAG)

akta.pro secondary industries

Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ), Alternative / Non-Traditional Credit Data Providers (FSAKAKAB)

Keywords

• Credit information services
• Business credit reports
• Payment default registry
• AML compliance screening
• Credit risk assessment

Headquarters

HQ city

Tallinn

HQ country

Estonia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Report Sales: One-time purchase of various reports including credit reports (23€ non-logged, 22€ Proff), credit opinion reports (19€ non-logged, 18€ Proff), fact reports (6€ non-logged, 5€ Proff), payment default reports (2.50€/1€), and beneficial owners reports (2€/free for Proff)
2. Proff XL Subscription: Monthly subscription package starting at 65€/month (+VAT) providing access to most detailed business information, credit recommendations, payment defaults visibility, financial trends, and all standard functions
3. Monitoring Service (Seire): Monthly subscription for company monitoring: 1-50 companies at 20€/month, 51-200 at 75€/month, 201-400 at 135€/month, 401-600 at 160€/month, 601+ at 160€/month plus 0.2€ per company
4. PEP and Sanctions Queries: Monthly subscription based on query volume: 90 queries at 50€/month, 200 queries at 100€/month, 500 queries at 200€/month, 1000 queries at 300€/month
5. Credit Rating Service: Monthly subscription based on company count: 1-5 companies at 35€/month, scaling up to 601-2000 at 915€/month, with per-unit pricing for larger volumes
6. Edukas Eesti Ettevõte Certification: One-time purchase of certification packages: 1A Digital package at 339€, 1A Full package at 399€, 5A Digital at 539€, 5A Full at 599€, 10A/15A/20A Digital at 539€, 10A/15A/20A Full at 599€

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Krediidiinfo operates a credit information and business intelligence platform serving Estonian businesses with payment default management, company monitoring, credit assessment, and AML/KYC compliance screening. Its core product is the Maksehäireregister (Payment Default Register), Estonia's largest payment default registry established in 2001 with Estonian banks, containing nearly 600,000 entries. The platform delivers credit reports, real-time credit ratings with recommended credit limits, probability of default calculations, PEP and sanctions screening, and automated monitoring of company data changes, with international coverage across 17+ countries.

Product overview

Krediidiinfo (Creditinfo Estonia) operates the e-Krediidiinfo portal as a unified platform providing credit risk management and business intelligence services. The core product portfolio centers on the Maksehäireregister (Payment Default Register), established in 2001 as Estonia's largest payment default registry, complemented by the Seire (Monitoring) service for tracking company changes, and the Krediidihinnang (Credit Assessment) service for credit ratings and recommendations. Additional modules include PEP ja sanktsioonid (PEP and Sanctions Screening) for AML compliance, Nimekirjad (Company Lists) for business development, and the Target business lists environment with international coverage. The Proff XL premium package at €65/month provides enhanced access to credit recommendations, beneficial owner data, and comprehensive company information. The company also issues the Edukas Eesti Ettevõte (Successful Estonian Company) quality certification to companies with excellent credit ratings. Reports available include Krediidiraport, Krediidihinnangu raport, Faktiraport, and Beneficial Owners reports for various credit and compliance purposes.

Differentiator

Problem solved

Functional benefit

Products and services

• Maksehäireregister (Payment Default Register) Estonia's largest payment default registry established in 2001 in cooperation with Estonian banks, containing nearly 600,000 payment default records for individuals and companies to support credit decisions. Allows business customers to submit and query payment defaults.
• Seire (Monitoring Service) Company monitoring service that tracks changes to business partners including financial data, ownership changes, payment defaults, company status, tax authority claims, annual reports, and media coverage, with email notifications. Priced at 20€/month for 1-50 companies up to 160€/month for 601+ companies.
• Krediidihinnang (Credit Assessment Service) Credit assessment service providing real-time credit ratings, recommended credit limits, and probability of default calculations based on financial indicators and payment behavior. Includes weekly summary reports for portfolio monitoring. Priced from 35€/month for 1-5 companies up to 915€/month for 601-2000 companies.
• PEP ja sanktsioonid (PEP and Sanctions Screening) Anti-money laundering service enabling checks against international sanctions lists, politically exposed persons (PEP) databases, and watchlists to comply with AML regulations. Priced at 50€/month for 90 queries up to 300€/month for 1000 queries.
• Krediidiraport (Credit Report) Comprehensive company credit report including Creditinfo rating, credit opinion, recommended credit limit, probability of default, economic and financial situation, representatives, financial ratios, payment defaults, and court judgments. Priced at 23€ for non-logged users, 22€ for Proff subscribers.
• Faktiraport (Fact Report) Basic company information report with key financial indicators from the last 3 years for initial creditworthiness evaluation. Priced at 6€ for non-logged users, 5€ for Proff subscribers.
• Beneficial Owners Report Anti-money laundering report providing beneficial ownership structures, direct shareholders, and company relationships for KYC compliance. Priced at 2€ for non-logged users, free for Proff subscribers.
• Proff XL Premium Package Premium subscription package starting at 65€/month (+VAT) providing access to the most detailed business information including credit recommendations, beneficial owners, financial trends, visual relationships, court judgments, media coverage, and discounted report pricing. Includes 14-day free trial.
• Edukas Eesti Ettevõte (Successful Estonian Company Certification) Quality certification awarded to Estonian companies with excellent credit ratings (A, AA, or AAA), available in 1A, 5A, 10A, 15A, and 20A medal variants for consecutive years of high rating. Digital packages start at 339€ and Full packages at 399€. The most widely recognized quality mark in Estonia for over 20 years.
• Target (Business Lists Environment) International business lists platform enabling users to build company lists based on industry, revenue, and employee count, with expanded coverage across 16+ countries including USA, Germany, UK, Japan, and Nordic markets. International company data available at 24-26.90€ per report.
• Minu Creditinfo Consumer Portal Consumer portal for private individuals to access credit information and purchase company reports without business account registration.

Quantifiable outcome

• Published payment defaults are paid at 25% rate within first month and 40% within 3 months
• +1 more outcomes

Named customers6 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

Integration9 records

AI capability5 records

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• Estonian Banks (Association)coreStrategic or Co-development Partner · 1 January 2001Established in 2001 in cooperation with Estonian banks to create the payment default register (Maksehäireregister). This partnership established the foundation for the company's core data asset.
• Creditinfo InternationalcoreOthersPart of the Creditinfo Group, an international credit information and business intelligence company. Provides access to international company data across 17+ countries.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Experian: Global consumer and business credit bureau with consumer credit decisioning, commercial data, and analytics. Comparable on credit scoring/rating methodology and payment-default databases, though operating at a vastly larger scale and across consumer + business lending rather than business-only Estonian registry.
• Moody's / Bureau van Dijk: Global business information provider within Moody's Analytics, distributing standardized company financials and ownership data (Orbis, Orbis CrossBorder). Comparable on multi-jurisdictional business intelligence and beneficial-ownership mapping, though broader in scope than the Estonia-anchored registry model.
• TransUnion: Global credit bureau offering commercial and consumer credit reports, monitoring, and analytics. Comparable on credit-reporting, scoring, and adjacent AML/PEP services, but operates as a broad incumbent across many markets rather than a national registry-focused operator.
• Bisnode / Dun & Bradstreet: European-origin business information and commercial credit data provider, now part of Dun & Bradstreet. Comparable offering — company credit reports, financial statements, monitoring — though operating at much larger scale and as part of a broader global data portfolio rather than specializing in a single country registry.
• Equifax: Global credit bureau providing commercial and consumer credit reports, scoring, and monitoring. Comparable on the core credit-reporting and decisioning workflow, though a broad global incumbent rather than a country-anchored registry-focused operator.

Direct peers

• Allianz Trade (Euler Hermes): World's largest trade credit insurer, part of Allianz Group. Comparable on commercial credit assessment, payment default data, country risk, and buyer-monitoring services, though distributed through a credit-insurance wrapper rather than pure subscription.
• Creditsafe: Sweden-based business credit reporting and monitoring provider serving 100K+ subscribers globally. Comparable on core offerings — company credit reports, credit limits/scores, continuous monitoring, and multi-jurisdiction data — and on the subscription-based B2B GTM targeting SMEs.
• Graydon: UK/Netherlands-based business credit reporting and trade credit information provider. Comparable on credit reports, monitoring, PEP/sanctions integration, and a similar subscription-based B2B portal model serving European SMEs and mid-market enterprises.
• CRIF: Italian-headquartered global credit bureau, business information, and analytics provider. Direct competitor — CRIF acquired the former Estonian competitor KSV1870, operates payment default registries in multiple countries, and offers the same credit reports, ratings, and monitoring products as Krediidiinfo.
• Creditinfo Group (sister entities): Parent organization operating credit bureau and business information services in 30+ markets including Baltics, Nordics, Africa, and the Middle East. Sister companies (e.g., Creditinfo Lithuania, Creditinfo Latvia) run the same payment-default registry and credit-rating model as Krediidiinfo, sharing methodology and benchmarks.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xtwitter.com/CreditinfoEesti
• Facebookfacebook.com/CreditinfoEesti
• LinkedInlinkedin.com/company/krediidiinfo-as-creditinfo-estonia

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 Krediidiinfo