Malta Credit Bureau

What Malta Credit Bureau does

Malta Credit Bureau Ltd (MCB) is a Maltese licensed Credit Reference Agency, operating under Licence No. 07/6046 and supervision of the Central Bank of Malta. The company issues three-digit credit scores on a 300-850 scale for both natural persons (individuals) and legal persons (corporate entities) registered in Malta, drawing exclusively on credit and credit risk data from the Central Credit Register (CCR) maintained by the Central Bank of Malta under CBM Act Article 24A and Directive No. 15. CCR coverage spans all clients of MFSA-licensed credit institutions with credit exposure above €5,000, providing a regulator-mandated dataset that is not commercially available to unlicensed parties.

The scoring engine is a statistical model calibrated specifically for the Maltese market, mapping payment history, credit utilization, account mix, length of credit history, and recent account openings to creditworthiness bands from Excellent (800-850) through High Risk (300-579). MCB operates two core products: the MCB Credit Score Report for Individuals and the MCB Corporate Credit Score Report, both delivered to requesting creditors. The company is a 50/50 joint venture between the Malta Association of Credit Management (MACM), a members-owned Maltese credit industry body, and Infocredit Group Ltd (ICG), a Cyprus-based business intelligence and risk management firm with ISO 9001, ISO 22301, and ISO/IEC 27001 certifications and alliances including LexisNexis Risk Solutions.

Revenue is generated on a B2B, request-driven basis from trade creditors, banks, and financial institutions in Malta that require credit scores for prospective and existing customers; pricing is quote-based and not publicly disclosed. Distribution is single-country (Malta) and direct, supported by a small team (1-10 employees) operating from headquarters in Zebbug, with GDPR-compliant processing of personal data and ongoing pursuit of ISO 9001 and ISO 27001 certifications. MCB is the first licensed CRA in Malta, and its go-to-market is sales-led with content marketing via mcb.mt and direct outreach by a Business Development Manager.

Name

Malta Credit Bureau

Legal name

Malta Credit Bureau Ltd

Website

https://mcb.mt

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Malta Credit Bureau is the first licensed Credit Reference Agency in Malta, issuing 300-850 credit scores on individuals and companies using Central Credit Register data from the Central Bank of Malta, and serving banks, trade creditors, and financial institutions across Malta.

Ownership category

akta.pro rank

Product category

Credit Reporting 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)

Keywords

• Credit reference services
• Credit scoring reports
• Credit risk assessment
• Business credit reports
• Consumer credit data

Headquarters

HQ city

Zebbug

HQ country

Malta

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Revenue model

1. Credit Scoring Reports: MCB generates revenue by providing credit scoring reports on individuals and corporate entities to creditors. Creditors request credit scores to assess the creditworthiness of prospective and existing customers. The reports are generated using data from the Central Credit Register at the Central Bank of Malta.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Malta Credit Bureau (MCB) is a licensed Credit Reference Agency that issues three-digit credit scores (300–850) on individuals and corporate entities registered in Malta. The reports are generated using data sourced from the Central Credit Register (CCR) maintained by the Central Bank of Malta, and are sold to creditors — including trade creditors, banks, and financial institutions — to support credit due diligence and risk assessment of prospective and existing customers.

Product overview

Malta Credit Bureau operates as a licensed Credit Reference Agency offering two core credit scoring products: the MCB Credit Score Report for individuals and the MCB Corporate Credit Score Report for companies. Both products provide three-digit credit scores (ranging from 300 to 850) calibrated specifically for the Maltese market, generated using data from the Central Credit Register maintained by the Central Bank of Malta. These reports assist creditors, trade creditors, and financial institutions in their credit due diligence and risk assessment processes when evaluating prospective and existing customers.

Differentiator

Problem solved

Functional benefit

Products and services

• MCB Credit Score Report (Individuals)

Quantifiable outcome

• Credit scores range from 300-850, enabling creditors to quickly assess creditworthiness levels: Excellent (800-850, Very Low Risk), Very Good (740-799, Low Risk), Good (670-739, Medium Risk), Fair (580-669, Medium to High Risk), Poor (300-579, High Risk)

Segments3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature1 record

Partnerships

Three partnerships are on record, tiered core.

• Malta Association of Credit Management (MACM)coreStrategic or Co-development Partner · 18 October 2021MACM is a members-owned, not-for-profit organization established in June 2001, made up of Maltese organisations from different sectors of the Maltese economy. MACM provides services including fostering credit information exchange, encouraging efficient debt collection, and promoting efficient handling of insolvent or bankrupt debtor estates. MACM holds a 50% stake in MCB and contributes local credit management market knowledge.
• Infocredit Group Ltd (ICG)coreStrategic or Co-development Partner · 18 October 2021Infocredit Group is a leading provider of business intelligence and risk management solutions for over 45 years, offering Credit Risk Management, Compliance, Corporate Governance, Debt Recovery, Call Centre Services, Professional Training and Consulting. The company holds ISO certifications including ISO 9001:2015, EN ISO 22301:2012, and ISO/IEC 27001:2013. ICG maintains strategic alliances with LexisNexis Risk Solutions, VinciWorks, ICSA: The Governance Institute, and the Cyprus Chamber of Commerce and Industry. ICG holds a 50% stake in MCB and provides international expertise in credit scoring and IT infrastructure support including data hosting and security.
• Central Bank of MaltacoreOthersThe Central Bank of Malta operates the Central Credit Register (CCR) which stores non-anonymized credit and credit risk information on clients of licensed credit institutions. MCB accesses data from the CCR under the CBM Act Article 24A and Directive No. 15 to generate credit scores. Credit institutions are obliged to forward credit information to the CCR for clients with credit exposure exceeding €5,000.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Creditsafe: European business credit bureau providing commercial credit reports and scoring on SMEs across multiple countries. Closely comparable to MCB's corporate credit scoring product, particularly for trade creditors evaluating business customers.
• Dun & Bradstreet: Global provider of business credit reporting and commercial data, with deep trade-credit information coverage. Closely comparable to MCB's Corporate Credit Score Report product for B2B credit decisions.
• Equifax: Global credit bureau providing consumer and commercial credit information, scores, and risk analytics. Comparable to MCB in offering credit reporting services, but at international scale with substantially bigger data assets.
• TransUnion: Major global credit bureau offering credit reports, scores, and risk and information services. Operates in multiple European markets and competes with MCB for any cross-border credit information demand originating in Malta.
• Experian: One of the three global consumer credit bureaus, offering credit reports, scores, and analytics worldwide including Europe. Directly comparable to MCB's core business, but operating at global scale with vastly broader data and product scope.
• Coface: Trade credit insurer with its own business credit reporting capabilities serving creditors and B2B trade. Comparable to MCB by addressing trade creditors' credit risk assessment needs, though primarily through insurance rather than pure scoring.
• Allianz Trade (formerly Euler Hermes): Global trade credit insurer with proprietary business credit intelligence and scoring. Directly comparable to MCB in serving trade creditors' credit risk assessment workflows, but at much larger scale with insurance-based monetisation.
• CRIF: European-headquartered credit bureau and business information provider operating extensively in Italy and other EU markets. Comparable to MCB as a regional credit bureau serving Southern European markets, with a similar focus on consumer and commercial credit data.

Regional players

• CRC (Credit Reference Centre) Cyprus — equivalent: Cyprus hosts credit reference activity through similar Central Credit Register-style data sources served by ICG. Comparable as a Southern European credit information ecosystem with similar size and regulatory architecture to Malta, useful as a regional scaling analogue.

Others

• Infocredit Group: Cyprus-based business intelligence and risk management provider with 45+ years of history, holding 50% of MCB. Highly comparable in product scope (credit risk management, compliance, corporate governance) and serves as MCB's infrastructure and technology partner.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/maltacreditbureau

Compliance4 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 Malta Credit Bureau