CNCB ­– Czech Non-Banking Credit Bureau

Name

CNCB ­– Czech Non-Banking Credit Bureau

Legal name

CNCB – Czech Non-Banking Credit Bureau, z.s.p.o.

Website

https://cncb.cz

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Credit Bureau Services

NAICS

Credit Bureaus (561450)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

akta.pro secondary industry

Credit File Dispute Management & Consumer Data Remediation (FSAKAKAI)

Keywords

• Credit bureau services
• Non-bank credit registry
• Consumer credit data exchange
• Credit information reporting
• Creditworthiness assessment database

Headquarters

HQ city

Prague 4

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Others

Revenue model

1. Credit Report Fees: Each company participating in NRKI pays a unit price for the credit reports obtained. No other fees are charged. The primary revenue stream is per-report fees paid by member financial institutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

CNCB operates the Nebankovní registr klientských informací (NRKI), a shared monthly-updated credit database for non-bank financial institutions in the Czech Republic. Members exchange information on contractual relationships with clients — covering accepted and rejected credit products, loan amounts, repayments, and payment discipline — and receive credit reports, Scores, Document Verification Reports, Client Risk Profiles, and aggregated Credit Market Barometer statistics to support creditworthiness and AML compliance decisions.

Product overview

CNCB – Czech Non-Banking Credit Bureau (z.s.p.o.) operates the Nebankovní registr klientských informací (NRKI), a shared database for non-banking financial institutions in the Czech Republic. The core product is the NRKI, which enables member companies to exchange information about client creditworthiness, reliability, and payment discipline. Related offerings include credit reports (Výpisy) and services accessible via the kolikmam.cz e-shop, the comprehensive report (Komplexní výpis) covering multiple registries, the Credit Market Barometer analytical report, and a Client Center for GDPR requests and data corrections. The company collaborates with CRIF – Czech Credit Bureau for operational services.

Differentiator

Problem solved

Functional benefit

Products and services

• NRKI (Nebankovní registr klientských informací) A shared, monthly-updated credit database that enables non-bank financial institutions in the Czech Republic to exchange information about clients' creditworthiness, reliability, and payment discipline. The register records accepted and rejected credit products, loan amounts, repayments, and whether obligations are met; data is retained for the duration of the contractual relationship plus 4 years after termination.
• Výpisy a služby (Credit Reports and Services) Credit reports (výpisy) providing individuals and companies with extracts from the NRKI database, including information on contractual relationships, credit obligations, and payment history, available through the kolikmam.cz e-shop.
• Komplexní výpis (Comprehensive Report) A unified consumer report combining credit obligations, insolvencies, and enforcement records drawn from the Bankovní registr, Nebankovní registr (NRKI), SOLUS, insolvency, and execution registers. Distributed through Česká pošta branches and the kolikmam.cz e-shop.

Quantifiable outcome

• As of Q1 2026, total household debt in BRKI and NRKI reached 4.22 trillion CZK, with non-performing debt at 37.9 billion CZK
• +4 more outcomes

Named customers45 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Four partnerships are on record, tiered minor and core.

• Česká pošta (Czech Post)minorChannel Partner/ Reseller/ Distributor · 1 August 2025Since August 2025, Česká pošta offers the 'Komplexní výpis' (Comprehensive Extract) in cooperation with CRIF – Czech Credit Bureau. This service provides citizens with a unified overview of credit commitments, insolvencies, and executions from Bankovní registr, Nebankovní registr, and other registries.
• CRIF – Czech Credit Bureau, a.s. (CRIF CZ)coreTechnology or IntegrationCRIF CZ operates the Client Center for CNCB's NRKI, handling requests from data subjects (individual clients of member companies). CRIF CZ provides services related to mutual exchange of credit information and operates the client-facing portal (kolikmam.cz, klient.kolikmam.cz). Both CNCB and CRIF CZ serve as data controllers under GDPR. CRIF CZ has its registered office at Štětkova 1638/18, Nusle, 140 00 Prague 4.
• CRIF S.P.A.coreTechnology or IntegrationCRIF S.P.A. (via della Beverara 21, 40131 Bologna, Italy) serves as the data processor for NBCIR. It provides final automated technical processing of data within the NBCIR, ensuring adequate organizational and technical security measures. Data processing in Italy is conducted in compliance with GDPR.
• CBCB – Czech Banking Credit Bureau, a.s. (Bankovní registr / CIBR/BRKI)coreTechnology or IntegrationCNCB cooperates with CBCB, which operates the Bankovní registr klientských informací (BRKI / Client Information Bank Register). Data is shared between the two registers, enabling banks to access NBCIR data and non-bank creditors to benefit from combined bank and non-bank credit information. The Information Memorandum describes data sharing between BRKI and NRKI.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Experian plc: Global consumer credit bureau with European operations including CEE. Comparable products (credit reports, scores, fraud prevention, AML), comparable B2B lender-exchange model, and comparable regulatory exposure.
• Equifax Inc. Global consumer credit bureau offering credit reports, scores, and analytics. Comparable core product (per-report credit information) at vastly larger scale; relevant as a global benchmark for the credit-bureau business model CNCB operates.
• TransUnion: Global consumer credit bureau with European and emerging-market operations. Comparable credit-reporting and analytics offerings; useful as a global benchmark for monetization paths (analytics tiering, fraud/identity services) that CNCB could pursue.
• SCHUFA Holding AG: Germany's dominant consumer credit bureau operating a similar data-exchange model for lenders. Comparable legal structure (membership-based), comparable products (credit reports, scores), and comparable regulatory constraints around GDPR.
• CRIF S.p.A. Italian-headquartered global credit information group that provides final automated technical processing for NBCIR and operates CRIF CZ. Overlapping capability in credit-bureau data processing across Europe.

Direct peers

• CBCB – Czech Banking Credit Bureau, a.s. (Bankovní registr / BRKI / CIBR): Operates the parallel bank-side credit register (BRKI) in the Czech Republic, sharing data bi-directionally with CNCB's NRKI. Same credit-bureau category, same Czech market, same CRIF operational backbone.
• SOLUS, zájmové sdružení právnických osob: Czech interest association operating a credit register for non-bank obligations including telecom and utilities. Directly comparable legal structure (z.s.p.o.), function (credit data exchange), and Czech market focus; appears alongside NRKI in the Komplexní výpis.

Regional players

• Bisnode (Dun & Bradstreet): European business and consumer credit information provider with strong Nordic/Central European presence. Comparable products (credit reports, monitoring) and similar B2B member-exchange model, though focused more on business credit.

Others

• CRIF – Czech Credit Bureau, a.s. (CRIF CZ): Czech operating entity of CRIF that runs the Client Center and kolikmam.cz portal for NRKI members' clients. Closely intertwined with CNCB as both an operational partner and a competing capability (operates BRKI's data layer).

Emerging players

• Creditsafe Group: International commercial credit bureau operating in CEE. Comparable credit-report and scoring products for business and consumer underwriting; operates as a challenger in markets adjacent to NRKI's footprint.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/cncb

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 CNCB ­– Czech Non-Banking Credit Bureau