Creditinfo Lietuva

What Creditinfo Lietuva does

Creditinfo Lietuva, UAB is Lithuania's first and largest credit bureau, founded in 2000 and operating as a wholly-owned subsidiary of the international Creditinfo Group (headquartered in Prague, with presence in 30+ countries). The company runs the Credit Bureau System (CBS), which aggregates financial obligation data from partner banks, specialized banks, credit unions, leasing companies, telecommunications providers, and state registers, maintaining the largest credit database in the Lithuanian market. Headquartered in Vilnius with 39 employees, Creditinfo Lietuva serves three primary customer segments: financial institutions (banks, leasing, credit unions) requiring credit risk and AML compliance data, businesses needing counterparty verification, and individuals using the Mano Creditinfo portal for personal credit history access.

The product portfolio is built on a platform-plus-modules architecture. Core analytics include the CIP (Creditinfo Predictor) individual rating model, corporate rating models for delayed payments and bankruptcy risk, and a debt recovery model. Add-on modules include monitoring, financial reports, Spiderweb relationship reports, company selection tools, a Sanctions/PEP register verification service (via LexisNexis partnership), and the Automatic Decision Module (IDM). Certification programs — Strongest in Lithuania (since 2011, 906 companies certified in 2026) and Trusted Employer (181 employers in 2025) — function as recurring-revenue seal-of-approval products. The Baltic ESG Hub, launched in 2025 with Esgrid, extends the platform into environmental, social, and governance data for the Baltic region.

The business operates on a sales-led B2B and B2C go-to-market with a recurring revenue model: subscription-based bureau access for financial institutions, quote-based enterprise services for businesses, and annual certification fees. Pricing is not publicly disclosed but follows monthly billing cycles for enterprise clients. Distribution is primarily direct through the creditinfo.lt and manocreditinfo.lt digital portals, supplemented by phone and email customer service. The company is ISO/IEC 27001:2013 certified (since 2014), GDPR-compliant, and operates under Bank of Lithuania regulations. In December 2025, Creditinfo Lietuva acquired Scorify to expand its scoring capabilities, and a new General Director, Jonas Lukošius, was appointed in March 2025.

Name

Creditinfo Lietuva

Legal name

Creditinfo Lietuva, UAB

Website

https://creditinfo.lt

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

Creditinfo Lietuva is Lithuania's first and largest credit bureau, operating a Credit Bureau System that delivers credit risk data, rating models, debtor data exchange, AML verification, and ESG analytics to banks, financial institutions, businesses, and individuals across Lithuania.

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 Scoring Models & Score Providers (FSAKAKAC), Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ), Credit Score Monitoring & Credit Building (FSAGADAE), Credit File Dispute Management & Consumer Data Remediation (FSAKAKAI)

Keywords

• Credit bureau services
• Business credit reports
• Consumer credit ratings
• AML compliance screening
• ESG data platform

Headquarters

HQ city

Vilnius

HQ country

Lithuania

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, Others

Revenue model

1. Credit Bureau Services: Provides credit information, ratings, and risk assessment services to financial institutions, businesses, and individuals. Services include company reports, individual credit reports, debtor data exchange, monitoring, and certification programs.
2. Certification Services: Strongest in Lithuania and Trusted Employer certification programs that generate recurring revenue from annual certification fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Creditinfo Lietuva operates Lithuania's largest credit bureau, collecting and processing financial obligation data from partner banks, credit unions, leasing companies, telecoms, and state registers. It sells credit reports, scoring models, monitoring, debtor data exchange, sanctions/PEP screening, and ESG data to financial institutions and businesses, while offering individuals access to personal credit information through the Mano Creditinfo portal. The company also runs two flagship certification programs — Strongest in Lithuania and Trusted Employer — that award annual trust marks to qualifying companies.

Product overview

Creditinfo Lietuva operates a platform-plus-modules architecture centered on Lithuania's largest credit bureau system (CBS). The core Credit Bureau System collects and manages financial obligation data from banks, credit unions, telecommunications companies, and state registers. Built on this foundation are rating models for individuals (CIP predictor) and corporate rating models that predict payment delays and bankruptcy using structured data analysis. A Debt Recovery Model provides collection strategies. The product portfolio extends to specialized modules including Sanctions and PEP Registers (via LexisNexis partnership), Company Selection tools, and the Baltic ESG Hub (a collaboration with Esgrid offering AI-powered ESG self-assessment). Certification services include 'Strongest in Lithuania' for company trustworthiness and 'Trusted Employer' for employee welfare standards. For individuals, the Mano Creditinfo portal provides credit history access and rating information.

Differentiator

Problem solved

Functional benefit

Brands

• Stipriausi Lietuvoje (Strongest in Lithuania): Company certification program recognizing financially stable and reliable businesses meeting strict financial discipline criteria.
• Patikimas Darbdavys (Trusted Employer)
• Baltic ESG Hub
• CIP - Creditinfo Predictor

Products and services

• Credit Bureau System (CBS) Core credit information system that collects and manages data on financial obligations of businesses and individuals, including debt information from banks, credit unions, leasing companies, telecommunications providers, and state registers. Used by financial institutions and businesses for credit risk assessment.
• Rating Model for Individuals (CIP - Creditinfo Predictor) Individual credit rating model (CIP – CREDITINFO predictor) that assesses financial status and payment habits of residents and predicts whether an individual will be late fulfilling obligations exceeding EUR 20 for more than 90 days. Used by lenders and credit providers for consumer credit underwriting.
• Corporate Rating Models Business credit scores that track client and partner portfolios and assess potential financial risks for delayed payments, delays in reporting, and bankruptcy using sector data, financials, query frequency, business relationships, and negative information. Used by businesses and financial institutions for B2B credit decisions.
• Debt Recovery Model Model that measures the likelihood of a debtor starting to repay their debt without external factors and proposes recovery strategies based on query history, other debts, and negative information. Used by creditors and collections teams to optimize recovery efforts.
• Mano Creditinfo Personal credit information portal for individuals to check their credit history, credit rating, and financial obligations. Used by Lithuanian residents to understand and monitor their personal credit standing.
• Sanctions and PEP Registers Verification service for natural and legal persons against PEP registers, monitored person registers, and sanctioned person registers for AML compliance, provided in collaboration with LexisNexis. Used by financial institutions and corporates for KYC and AML checks.
• Selection of Companies Company screening tool that helps find companies meeting desired criteria based on search parameters from the entire register. Used by businesses for procurement, partnership, and market research purposes.
• Baltic ESG Hub Unified ESG data platform for accessing and analyzing environmental, social, and governance data, combining Creditinfo registry data with Esgrid self-assessment tools for sustainability compliance. Aggregates data from over 20 sources across Baltic countries and provides analyzed ESG insights including estimated greenhouse gas footprint of companies and supply chains. Used by banks, corporates, and sustainability officers for ESG compliance and reporting.
• Strongest in Lithuania Certification (Stipriausi Lietuvoje) Independent external certification of company trustworthiness and creditworthiness, confirming good economic health, timely tax payments, and timely payments to business partners and employees. Awarded annually to qualifying Lithuanian companies.
• Trusted Employer Certification (Patikimas Darbdavys) Certification emphasizing that companies meet high standards for employee welfare, transparency, and adherence to employer ethics standards, including competitive salaries, no significant debts to Sodra, no labor law violations, positive credit rating, and positive equity-to-asset ratio.
• Monitoring Service for continuous monitoring of clients' and partners' credit ratings and financial status changes. Used by businesses and financial institutions to receive ongoing alerts on counterparty risk.
• Exchange of Debtor Data Service allowing businesses to share and receive debtor information to manage credit risk and avoid the domino effect of payment delays. Used by businesses participating in the credit bureau's data-sharing network.
• Automatic Decision Module (IDM) Automated decision-making module for rapid credit decisions based on credit bureau data and scoring models. Used by lenders to automate underwriting workflows in their credit processes.

Quantifiable outcome

• More than 50% of debts were settled within 30 days of information being published in the credit bureau system
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability9 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• LexisNexiscoreTechnology or IntegrationCreditinfo Lietuva provides PEP and sanctions register verification services in collaboration with LexisNexis (Lexis Nexis Business Information Solutions BV). The partnership enables financial institutions and business companies to conduct compliance checks for anti-money laundering (AML) requirements, verifying natural and legal persons against PEP registers, monitored person registers, and sanctioned person registers.
• EsgridcoreStrategic or Co-development PartnerBaltic ESG Hub is a collaboration between Creditinfo and Esgrid. Creditinfo contributes experience in data collection and analysis, providing reliable data from registries and public sources. Esgrid complements this with innovative self-assessment tools and impact management solutions. Together they create a solution for ESG data collection and management in the Baltic countries.
• Citadele BankminorGTM or Marketing PartnerCitadele Bank offers special financing products exclusively for Strongest in Lithuania certified companies, including microloans ranging from EUR 20,000 to EUR 100,000 with ILTE guarantee, and special POS and smart cash register offers.
• Creditinfo GroupcoreTechnology or IntegrationCreditinfo Lietuva is part of the international Creditinfo Group, operating in more than 30 countries worldwide. The group has built 25 credit bureaus across four continents over more than 20 years of experience.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Creditinfo Group: The parent entity operating in 30+ countries and having built 25 credit bureaus; comparable because Creditinfo Lietuva runs on shared infrastructure, scoring models, and group-wide data practices.
• Equifax: One of the three major global credit bureaus providing consumer and commercial credit information, scoring, and monitoring — directly comparable product set.
• Dun & Bradstreet: Major business credit reporting provider (including former Bisnode in the Nordics/Baltics); comparable to Creditinfo Lietuva's corporate rating models, company selection, and foreign company report offerings.
• TransUnion: Global credit information company offering credit reports, scores, fraud/AML, and monitoring; competes in the same enterprise credit-data category as Creditinfo Lietuva.
• Experian: Global consumer and business credit bureau serving lenders with credit reports, scores, and decisioning analytics — overlapping with Creditinfo Lietuva's core offerings across individual and corporate credit.
• Allianz Trade (Euler Hermes): Global trade credit insurance and business credit information provider; comparable around commercial credit reporting, debtor data exchange, and credit decisioning for B2B customers.
• Moody's Analytics / Bureau van Dijk: Provides Orbis, a global database of company information used for corporate credit assessment and AML/KYC; comparable to Creditinfo Lietuva's corporate rating models and company selection tools.

Regional players

• Bisnode (now part of Dun & Bradstreet): Historically a Nordic and Baltic business information provider with deep SME coverage; directly comparable to Creditinfo Lietuva's corporate credit reports, monitoring, and verification services in the Baltic region.
• Bank of Lithuania Credit Registry: The Lithuanian central bank's statutory credit registry, the structural alternative/complement to Creditinfo Lietuva's private credit bureau database for lenders in Lithuania.

Direct peers

• CRIF: Italian-headquartered credit bureau and business information group with active Baltic presence; closest like-for-like peer to Creditinfo Lietuva in terms of country-coverage model and SME credit scoring focus.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@creditinfolietuva7659
• Facebookfacebook.com/creditinfolietuva
• LinkedInlinkedin.com/company/creditinfo-lietuva

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

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 Creditinfo Lietuva