Biroul de Credit

What Biroul de Credit does

Biroul de Credit S.A. is a Romanian credit bureau founded in 2004 and headquartered in Bucharest (Strada Sfânta Vineri nr. 29, Sector 3). The company operates a credit reporting and scoring platform that aggregates borrower credit information from participating financial institutions and delivers creditworthiness evaluation services to the Romanian financial system. Its primary customers are banks, lenders, and credit institutions that consume credit reports, scores, and verification services for risk assessment and lending decisions. Individual consumers represent a secondary segment, accessing their personal credit data through the company's web portal and dedicated mobile applications distributed via Google Play and the Apple App Store.

The core product surface consists of the Biroul de Credit Platform, the "Rapoarte, Scoruri si Servicii de Verificare" (Reports, Scores, and Verification Services) suite, and the "Aplicatia Mobila Biroul de Credit" mobile application. The platform is delivered through three channels: a self-serve web portal at birouldecredit.ro, native mobile applications for consumer-facing access, and direct institutional integration for participating financial institutions. Technology architecture reflects a standard national credit bureau design — a centralized data repository aggregating payment history from contributors, scoring algorithms, and tiered distribution interfaces. No proprietary AI/ML models, research publications, patents, or advanced analytics layers are disclosed in the available source material.

Biroul de Credit operates as a private joint-stock company (Societate pe Actiuni) under Romanian law with CUI RO16140132 and trade registry number J2004002176400. Revenue is generated primarily through subscription and recurring contractual arrangements with participating financial institutions; pricing is not publicly disclosed and is negotiated bilaterally. The company operates exclusively within Romania, employs 11–50 people, and holds a structurally protected position as a licensed credit bureau within the domestic regulatory framework. Its ownership structure, investor base, financial performance, and management team are not disclosed in available data.

Name

Biroul de Credit

Legal name

Biroul de Credit S.A.

Website

https://birouldecredit.ro

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

Biroul de Credit S.A. is a Romanian credit bureau operating a credit reporting and scoring platform for the country's financial institutions. The company aggregates borrower data from participating banks and lenders to provide creditworthiness assessments and consumer credit access tools.

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 primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

akta.pro secondary industries

Credit Score Monitoring & Credit Building (FSAGADAE), Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)

Keywords

• Credit bureau services
• Credit reporting
• Credit scoring
• Credit verification services
• Consumer credit data

Headquarters

HQ city

Bucharest

HQ country

Romania

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Credit Bureau Services: Credit information services provided to participating financial institutions. The platform evaluates creditworthiness and provides reports, scores, and verification services to support lending decisions by financial institutions.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels2 records

Core offering

Biroul de Credit S.A. operates a national credit bureau platform for the Romanian financial system, aggregating credit information contributed by participating banks, lenders, and credit institutions. The platform produces credit reports, credit scores, and verification services that participating institutions use to assess borrower creditworthiness and support lending decisions, while also providing Romanian consumers digital access to their own credit information via the web portal and mobile applications.

Product overview

Biroul de Credit S.A. is a Romanian credit bureau operating a unified platform that provides credit information services to the financial system. The core offering consists of the Biroul de Credit Platform, which delivers reports, scores, and verification services to support creditworthiness evaluations. The company also offers a dedicated mobile application available on Google Play and App Store, enabling users to access essential information and track important steps related to their credit data. The platform serves both participating financial institutions and individual users through online enrollment and request submission channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Biroul de Credit Platform National credit bureau platform that delivers relevant, up-to-date, and easily accessible credit information to support transparent relationships within the Romanian financial system; the unified platform through which reports, scores, verification, and consumer self-service are delivered.
• Reports, Scores and Verification Services (Rapoarte, Scoruri si Servicii de Verificare) Credit reports, credit scores, and verification services delivered through the Biroul de Credit platform to enable better-informed lending decisions and to give users better control over their personal data; offered to participating financial institutions and Romanian consumers.
• Biroul de Credit Mobile Application (Aplicatia Mobila Biroul de Credit) Mobile application giving users quick access to essential credit information and the ability to follow important steps in a simplified experience designed for daily use; available on Google Play (id=ro.birouldecredit.mobile) and Apple App Store (id1538605593).

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• Equifax: Equifax is a global credit bureau and consumer credit reporting company with broad data and analytics offerings. While not a direct Romania-headquartered player, it represents the class of international credit information providers that may serve or target Romanian financial institutions.
• TransUnion: TransUnion is a global credit bureau with operations in Romania and the broader CEE region, providing credit reporting, scoring, and analytics to financial institutions. It is a broad incumbent competitor with significantly greater scale and product breadth than Biroul de Credit.

Regional players

• Coface: Coface is a global trade credit management company with operations in CEE offering business credit reporting and risk assessment. It is comparable to Biroul de Credit in providing credit data services, though with a stronger business/commercial credit focus.
• Bisnode (now Dun & Bradstreet): Bisnode was a major European business information provider with strong presence in CEE that has been integrated into Dun & Bradstreet. It offers business credit reports and analytics, comparable to the data services side of Biroul de Credit's offering.

Emerging players

• Kompany: Kompany (part of Regnology) provides digital KYC, AML, and business verification services in Europe, sharing thematic overlap with Biroul de Credit in the regulated financial data and verification space, though focused on compliance use cases.

Direct peers

• Creditinfo Group: Creditinfo is a global credit bureau operator with strong presence across Central and Eastern Europe, directly comparable to Biroul de Credit in providing credit reporting, scoring, and decision-support services to lenders in emerging European markets.
• CRIF: CRIF is a major European credit bureau and business information provider operating in Romania and other CEE countries, offering credit reports, scoring, and analytics to banks and lenders — directly overlapping with Biroul de Credit's core offering.

Others

• Experian:

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/BirouldeCredit

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 Biroul de Credit