Krajowe Biuro Informacji Gospodarczej S.A.

What Krajowe Biuro Informacji Gospodarczej S.A. does

Krajowe Biuro Informacji Gospodarczej S.A. (KBIG) is a Polish licensed economic information bureau headquartered in Kraków, operating under the statutory authority of the Act on Sharing Economic Information and Exchange of Economic Data. The company maintains a database of economic information covering both positive and negative payment histories of Polish businesses and consumers, and serves three distinct customer segments: businesses (Przedsiębiorcy) seeking to verify counterparties and build payment histories, consumers (Konsumenci) seeking self-reports and query-register information, and public administration entities (Administracja) requiring registration of public and court receivables. KBIG is part of the CRIF Group (Grupa CRIF), a global credit information provider operating in 50 countries and serving over 6,300 banks and financial institutions.

KBIG's core technology is a database system for managing economic information, with electronic access delivered through the KBIG Portal (portal.kbig.pl) supporting authenticated queries, report generation, and payment history lookups. Core products include business information reports, consumer information reports, self-reports (Raport o sobie), query register reports (Raport z rejestru zapytań), and a unified application form (Wniosek Jednolity) that enables simultaneous retrieval of economic information from multiple bureaus. The company is integrated with the CRIF Group's proprietary CRIF Solution Platform (CSP) for credit risk evaluation.

KBIG operates a sales-led go-to-market model in which customers contact the company via email ([email protected]), phone, or dedicated online inquiry forms, with a consulting team following up to present tailored service packages. Revenue is generated through three streams: annual subscription plans for businesses and public administration, one-time fees for individual reports, and fees for supplementary services such as expedited processing and comprehensive multi-bureau reports. Consumer self-reports are offered on a freemium basis, free once every six months. The company is a member of the Związek Przedsiębiorstw Finansowych w Polsce (ZPF) and holds the 2024 Ethical Audit Certificate, and is compliant with GDPR/RODO and Polish digital accessibility requirements (WCAG 2.1 AA, EN 301 549).

Name

Krajowe Biuro Informacji Gospodarczej S.A.

Legal name

Krajowe Biuro Informacji Gospodarczej Spółka Akcyjna

Website

https://kbig.pl

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Krajowe Biuro Informacji Gospodarczej S.A. (KBIG) is a Polish licensed economic information bureau in Kraków, providing business and consumer credit reports, self-reports, and public-debt registration services to businesses, consumers, and public administration under the Polish Act on Sharing Economic Information.

Ownership category

akta.pro rank

Product category

Credit Bureau Services

NAICS

Credit Bureaus (56145), Credit Bureaus (561450)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Beneficial Ownership (UBO) & Corporate Registry Verification (KYB) (FSAMAMAK)

akta.pro secondary industries

KYC/KYB & Customer Onboarding (CIP, beneficial ownership, screening) (FSAGAFAB), Onboarding, KYC & Account Verification Support (BPAAABAG)

Keywords

• Credit information bureau
• Business credit reports
• Consumer credit reports
• Payment history verification
• Economic information services

Headquarters

HQ city

Kraków

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Subscription Services: KBIG offers subscription-based services for businesses and administration entities requiring regular access to economic information and reporting capabilities. Subscription plans include various service tiers with different access levels.
2. One-time Report Fees: Fees charged for individual report requests, including consumer reports, business information reports, and self-reports. Pricing varies by report type and customer segment.
3. Additional Services: Additional fees for supplementary services beyond standard report generation, including expedited processing and comprehensive multi-bureau reports.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

KBIG operates as a licensed Polish credit information bureau providing economic information services for businesses, consumers, and public administration. Core offerings include verification reports on business partners and consumers (with proper authorization), self-reports disclosing one's own economic information, query register reports showing who has requested information about the requesting entity, and services for registering public and court receivables. All services are accessible via the KBIG Portal electronic platform and governed by the Polish Act on Sharing Economic Information and Exchange of Economic Data.

Product overview

KBIG operates as a credit information bureau providing a unified platform for economic information services across three customer segments: businesses, consumers, and public administration. The core offering consists of business and consumer verification services, including self-reports and query register reports, accessible through the KBIG Portal electronic platform. The company enables entities to obtain current and reliable economic information about other entities, build payment histories by sharing both negative and positive economic information, and verify business partners or consumers before entering into business relationships.

Differentiator

Problem solved

Functional benefit

Products and services

• Informacje o firmie (Business Information Services) Services enabling verification of business partners by obtaining economic information about entrepreneurs, including payment history and creditworthiness data, for Polish businesses conducting due diligence.
• Informacje o konsumencie (Consumer Information Services) Services enabling verification of potential customers who are consumers, allowing businesses to obtain economic information about consumers with proper authorization, for credit risk assessment.
• Raport o sobie (Self-Report) Report containing economic information about the entity itself, available to both businesses and consumers (free once every 6 months for consumers and sole proprietors).
• Raport z rejestru zapytań (Query Register Report) Report containing information about entities to whom economic information about the requesting entity was disclosed in the last 12 months, including dates and disclosed data.
• Usługi dla Administracji (Services for Public Administration) Services for public and court creditors to register and manage public and court receivables, including registration of debt information, for public administration and judicial debt collection.

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• CRIF Sp. z o.o.coreTechnology or IntegrationCRIF Sp. z o.o. operates as the Polish subsidiary of CRIF Group, providing systemic credit risk management solutions using the proprietary CRIF Solution Platform (CSP). The platform enables efficient credit risk evaluation and fraud detection processes. KBIG is part of the broader CRIF Group ecosystem that processes hundreds of millions of credit reports annually.
• Związek Przedsiębiorstw Finansowych w Polsce (ZPF)coreOthersKBIG S.A. is a member of the Association of Financial Enterprises in Poland (ZPF) and commits to adhering to ZPF Good Practice Principles (Zasady Dobrych Praktyk). KBIG undergoes annual Ethical Audits conducted by the ZPF Ethics Commission to verify compliance with these principles.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Regional players

• Bisnode (now Dun & Bradstreet): Historical European business information provider, particularly active in the Nordics and Central Europe, offering company registries and credit information. Comparable to KBIG's business verification focus in the European market.
• Creditinfo Group: Credit bureau and information services group operating across multiple countries in Europe, Asia, and Africa. Comparable bureau operator but primarily active in geographies outside Poland.

Broad incumbents

• Experian: Global credit bureau and information services company providing consumer and business credit reports, scoring, and KYB/AML data. Comparable in product category but operates as a broad incumbent with much wider geographic and product reach than KBIG.
• Dun & Bradstreet: Global business information and credit reporting provider offering business verification, credit reports, and KYB-style data products. Comparable to KBIG's business information services but at a much larger global scale.
• CRIF Group: Parent organization of KBIG and a global credit information provider operating in 50+ countries serving 6,300+ banks. Comparable as the broader incumbent whose CSP platform and data assets underpin KBIG's operations.

Direct peers

• Rejestr Dłużników BIG (via BIG SA): Polish economic information bureau providing debtor registration and credit reporting services. Direct competitor under the same Polish regulatory regime as KBIG.
• BIG InfoMonitor: One of the largest Polish economic information bureaus, providing business and consumer credit reports, payment history, and debtor registration. Directly competes with KBIG in the same regulated credit bureau category under the same Polish Act.
• Biuro Informacji Kredytowej (BIK): Polish credit bureau established by banks, providing consumer credit history and scoring. While focused on bank-supplied credit data, it overlaps with KBIG's consumer verification and creditworthiness products.
• Krajowy Rejestr Długów (KRD): Major Polish economic information bureau serving businesses and consumers with credit reports, debtor databases, and verification services. Direct competitor operating under the same legal framework as KBIG.
• ERIF Biuro Informacji Gospodarczej: Polish economic information bureau offering business and consumer credit reports, debtor and creditor registration. Closely comparable to KBIG as a licensed bureau under the same Polish Act.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/krajowe-biuro-informacji-gospodarczej-s-a-

Compliance4 records

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 Krajowe Biuro Informacji Gospodarczej S.A.