Consulta e Crédito

What Consulta e Crédito does

Consulta e Crédito is a privately held Brazilian credit-information services company founded in 2010 and headquartered in Juiz de Fora, Minas Gerais. It operates a horizontal platform targeting Brazilian businesses — primarily micro and small enterprises, condominiums, and companies across various sectors — that need credit analysis before B2B and B2C sales, debt recovery support, and team training in credit and collection. The company markets itself as a national provider with particular strength in Brazil's interior markets, where larger São Paulo–headquartered bureaus may have thinner presence.

The core product portfolio consists of three bureau-mediated services: Relatório de Crédito (credit reports covering unpaid debts and registration data for individuals/CPF and businesses/CNPJ), Relatório de Comportamento (behavioral and financial profiling), and Negativação (online inclusion of delinquent clients in credit bureau databases). These are delivered through a multi-bureau integration layer linking SPC, Serasa, SCPC, CREDNET, CONCENTRE, and CREDIT BUREAU, with additional ERP-level integration for score monitoring. The company also operates WebCertificados, a sub-brand offering digital certificate issuance, positioning the group as a broader credit and compliance services provider.

The business model is services-led, monetized through per-query and subscription fees on credit reports, project-based fees for negative listing, training revenue, and transactional revenue from digital certificates. Go-to-market is field-sales driven: visiting consultants travel to meet clients, supported by an inside sales team handling inbound 0800, WhatsApp, and email inquiries. Pricing is quote-based and not publicly disclosed. The company is privately held with no disclosed funding rounds, ownership structure, headcount, or financial metrics.

Name

Consulta e Crédito

Legal name

Consulta e Crédito

Website

https://consultaecredito.com.br

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

Consulta e Crédito is a Brazilian credit-information services company, founded in 2010 and headquartered in Juiz de Fora, that provides credit reports, behavior analysis, and negative-listing services to micro, small, and mid-sized businesses across Brazil, with national coverage focused on interior markets.

Ownership category

akta.pro rank

Product category

Credit Reporting and Debt Recovery Services

NAICS

Credit Bureaus (561450), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

akta.pro secondary industry

Credit Bureau Reporting & Dispute Management Support (FCRA/CRA Ops) (BPAAAEAI)

Keywords

• Credit analysis services
• Debt recovery solutions
• Credit bureau integration
• Consumer credit reporting
• Negative listing services

Headquarters

HQ city

Juiz de Fora

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Credit Analysis and Consultation Services: Fees charged for credit reports, behavior reports, and consultation services for both individuals (PF) and legal entities (PJ). Services include CPF/CNPJ lookup and financial analysis.
2. Negativação Services: Charges for online inclusion of delinquent clients in credit bureau databases (SPC, Serasa) to facilitate debt recovery
3. Training and Consulting: Specialized training services for company teams in credit analysis and debt collection areas
4. Digital Certificates: WebCertificados service providing digital certificate issuance and management

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Consulta e Crédito delivers online credit analysis, behavior reporting, and negative listing services to Brazilian businesses, enabling them to evaluate the creditworthiness of individuals (CPF) and legal entities (CNPJ) before extending credit and to recover debts from delinquent clients. The company integrates with major Brazilian credit bureaus (SPC, Serasa, SCPC) and provides team training in credit and collection, complemented by digital certificate issuance through its WebCertificados sub-brand.

Product overview

Consulta e Crédito offers a suite of credit and debt management solutions focused on secure sales, debt recovery, and credit analysis. The core portfolio includes three main services: Relatório de Crédito (providing financial data on unpaid debts and CPF/CNPJ registration details), Relatório de Comportamento (behavioral and financial profiling of consumers), and Negativação (online registration of delinquent clients in credit bureaus). These services work together to help businesses conduct secure credit analysis before sales, reduce default rates, and recover unpaid debts. The company also provides team training on credit analysis and debt collection, and offers digital certificates through its WebCertificados sub-brand.

Differentiator

Problem solved

Functional benefit

Brands

• WebCertificados: Digital certificate issuance service operated by the company.

Products and services

• Relatório de Crédito (Credit Report) Provides financial information on unpaid debts and registration data for individuals (CPF) and legal entities (CNPJ), sourced from major Brazilian credit bureaus, to support secure credit decisions before sales.
• Relatório de Comportamento (Behavior Report) Tool to locate clients and retrieve their registration data, behavioral patterns, and financial consumer information to support consumer credit analysis.
• Negativação (Online Negative Listing) Online service to include delinquent clients in credit analysis databases across Brazil, enabling recovery of credits granted but not paid.
• Training and Consulting in Credit Analysis and Collection Specialized training services for client company teams in credit analysis and debt collection areas.
• WebCertificados (Digital Certificate Issuance) Digital certificate issuance and management service offered under the WebCertificados sub-brand within the Grupo Consulta e Crédito ecosystem.

Quantifiable outcome

• Consumers pay 57.9% of debts within 60 days after negative listing in 2022 (according to Serasa Experian)

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Scale indicators2 records

Recent moves3 records

Expansion highlights4 records

Broad incumbents

• SPC Brasil: Operates the SPC consumer credit registry network across affiliated regional bureaus in Brazil, offering credit reports and negative-listing services to retailers and SMBs. Comparable because it delivers the same core service (credit reporting + negativação) that Consulta e Crédito bundles for clients.
• Serasa Experian: Brazil's largest consumer and business credit bureau, offering credit reports, scores, and negative-listing submission directly. Directly comparable because it is the primary upstream data source that Consulta e Crédito aggregates on behalf of SMB clients.
• Boa Vista SCPC: Brazilian national credit bureau operating the SCPC database, providing credit reports, scoring, and negative-listing services to businesses. Comparable as both an upstream data provider to Consulta e Crédito and a competing credit-report destination for SMBs.

Emerging players

• Soluti: Brazilian digital certificate and electronic identification provider with strong SMB reach across Brazilian states. Comparable as a direct competitor to WebCertificados within the same customer overlap that Consulta e Crédito addresses.
• Certisign: One of Brazil's largest digital certificate issuers, serving the same SMB customer base that buys credit reports and certificates. Comparable because it competes directly with Consulta e Crédito's WebCertificados sub-brand and serves the identical ICP-Brasil SMB buyer.
• Quod: Brazilian credit bureau and identity data company providing consumer and business credit intelligence to lenders and fintechs. Comparable as an alternative credit-data provider competing for the same SMB underwriting use cases that Consulta e Crédito serves.
• Acctus Cobranças: Brazilian debt-collection and credit-recovery services firm serving SMB and enterprise clients with negative listing, scoring and portfolio recovery. Comparable because its negativação and recovery services overlap directly with Consulta e Crédito's core recovery offering.

Others

• Creditas: Brazilian online consumer and SMB credit/collateral-based lender using bureau and alternative data to underwrite loans. Adjacent comparable because it is a downstream consumer of Brazilian bureau data and competes for the same SMB credit-decision context.
• Cadastro Positivo (Banco Central do Brasil): Brazilian central bank's positive credit registry (Cadastro Positivo) plus authorized bureaus that distribute positive payment-history data. Comparable as a structural force shaping the data ecosystem Consulta e Crédito aggregates, and as an indirect competitor influencing how SMBs access credit information.

Direct peers

• Credit Data Brasil: Brazilian credit-information services firm providing credit reports, scores, and risk analytics for businesses selling on credit terms. Closely comparable to Consulta e Crédito in target customer (SMBs selling on credit), product mix (credit reports + behavior data), and Brazilian focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/consultaecredito

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 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 Consulta e Crédito