Makedonsko kreditno biro AD Skopje / Македонско кредитно биро АД Скопје

What Makedonsko kreditno biro AD Skopje / Македонско кредитно биро АД Скопје does

Makedonsko kreditno biro AD Skopje (Macedonian Credit Bureau, MCB/MKB) is the first and only credit bureau in the Republic of North Macedonia, established in 2007 under a dedicated Law of Credit Bureau as a joint-stock company founded and owned by KIBS AD Skopje (the national interbank clearing house) on behalf of the country's banks. MCB operates the sole statutory system in Macedonia for collecting, processing, and exchanging data on the financial liabilities of physical and legal entities, holding over 6 million records with daily updates and real-time integration with the Single Register of Transaction Accounts for account-blockage status.

The company's product surface is anchored on the Moj.MKB web portal, which serves as the unified self-service gateway for individuals and businesses. Core offerings include Own/Credit Reports for physical persons (available online or at partner bank branches of Central Cooperative Bank, TTK Bank, and Silk Road Bank), Corporate Reports with traffic-light creditworthiness indicators, Account Blockage Reports, a suite of User Reports at varying detail levels, and a Monitoring service for daily liability-status alerts. Adjacent products include the ASIS alarm-notification system, an ESG Platform for claims registration by legal entities, and International Reports delivered via a partnership with Italian credit bureau CRIF S.P.A. covering 200+ million companies across 230+ countries. MCB holds ISO 9001 and ISO 27001 certifications (the latter issued in 2024), reflecting compliance posture appropriate to handling regulated credit data.

MCB monetizes through a mix of one-time report fees (750 MKD per corporate report, 990 denars per individual report) and tiered annual Moj.MKB subscription packages for legal entities (Standard at 10,000 denars/year, Business at 20,000, Premium at 30,000) with point-based usage allocations, supplemented by international-report transaction fees. The entire operation reportedly runs on approximately 5 employees based at the Skopje headquarters, reflecting an efficient-scale monopoly model in which revenue scales with banking-sector data volume and product breadth rather than headcount growth. Customer segments span banks, savings houses, leasing companies, government institutions (Public Revenue Office, Pension Fund, City of Skopje), telecom/energy/utility service providers, and individual citizens.

Name

Makedonsko kreditno biro AD Skopje / Македонско кредитно биро АД Скопје

Legal name

Македонско кредитно биро АД Скопје (Macedonian Credit Bureau AD Skopje)

Website

https://mkb.mk

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

Makedonsko kreditno biro AD Skopje (Macedonian Credit Bureau) is the first and only statutory credit bureau in North Macedonia, founded in 2007 and bank-owned. It serves Macedonian banks, financial institutions, businesses, government agencies, and citizens with credit reports, corporate reports, monitoring, and international reports via a self-service portal.

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

Alternative / Non-Traditional Credit Data Providers (FSAKAKAB), Credit File Dispute Management & Consumer Data Remediation (FSAKAKAI)

Keywords

• Credit bureau services
• Credit reporting
• Business credit reports
• Credit risk assessment
• Financial data services

Headquarters

HQ city

Skopje

HQ country

North Macedonia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Subscription Packages (Moj.MKB): Annual subscription packages for legal entities providing access to corporate reports, company filtering, monitoring and search capabilities. Packages are tiered (Standard, Business, Premium) with different point allocations and pricing.
2. Individual Corporate Reports: One-time report purchases for creditworthiness assessment of business partners. Priced at 750 MKD + 18% VAT per report.
3. Individual Physical Entity Reports: One-time report purchases for physical individuals at 990 denars + VAT per report.
4. International Reports: International company solvency reports sourced through CRIF S.P.A. Pricing varies by country and report type according to the Tariff on International Service Fees. Delivery time ranges from same day to 2-12 days depending on data availability.
5. User Reports: Various report types (Minimalist, Basic, Detailed Credit, Detailed Account, Detailed Debt, Aggregate, Standard, etc.) available to authorized MCB members upon written consent from data subjects.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Makedonsko kreditno biro AD Skopje operates as the first and only credit bureau in North Macedonia, collecting and processing daily-updated financial liability data on physical and legal entities sourced from all banks, savings houses, financial companies, government institutions, and service providers. It sells credit reports (own, corporate, user, account-blockage), a self-service Moj.MKB online portal, a daily Monitoring service, the ASIS email alarm system, an ESG claims platform, and international solvency reports via CRIF S.P.A. to banks, businesses, government bodies, and individual citizens.

Product overview

Makedonsko kreditno biro AD Skopje operates as the first and only credit bureau in North Macedonia, managing the sole system for collecting, processing, and exchanging data on liabilities of physical and legal entities. The portfolio consists of Moj.MKB as the core unified web portal through which all services are accessed, supplemented by specialized reporting products including Corporate Reports for business partner assessment, User Reports available in multiple detail levels (Minimalist, Basic, Detailed, Standard, Aggregate), International Reports provided through CRIF partnership, and Monitoring services for daily tracking of customer status changes. Additional offerings include the ASIS Alarm System for email notifications on credit file changes, an ESG Platform for claim registration, and Account Blockage Reports. Physical entities access Own/Credit Reports through the portal or partner bank branches.

Differentiator

Problem solved

Functional benefit

Brands

• Мој.МКБ (Moj.MKB): Online portal for accessing credit reports, monitoring services, and corporate information for both physical and legal entities.
• АСИС (ASNE)
• ESG Platform

Products and services

• Moj.MKB (Мој.МКБ) Online Portal Self-service web portal providing fast and easy access to complete information on total financial liabilities and financial indicators for legal entities and citizens, including credit reports, monitoring services, and corporate search capabilities behind a personal user account.
• Own / Credit Report (Сопствен извештај) Document in written or electronic form prepared from data on the obligations of physical or legal entities, available online through the Moj.MKB portal or in person at branches of Central Cooperative Bank AD Skopje, TTK Bank AD Skopje, and Silk Road Bank AD Skopje.
• Corporate Report (Корпоративен извештај) Creditworthiness report providing quick access to data on current or potential business partners, including traffic-light indicators (green/yellow/red), indebtedness, real-time account blockages, and annual accounts for legal entities, priced at 750 MKD + 18% VAT per report.
• User Reports (Кориснички извештаи) Various report types requested by a data user for a specific data subject upon written consent, including Minimalist, Outstanding Liabilities, Basic, Detailed Credit, Detailed Account, Detailed Debt, Aggregate, Standard reports and 'Plus' variants, available to authorized MCB members.
• Monitoring (Мониторинг) Service for regular daily monitoring of changes in the status and condition of customer liabilities, with notifications sent to the user's corporate email and support for unlimited legal entities under monitoring.
• ASIS - Alarm System for Notification of Entities (АСИС) Information service that sends email notifications to data subjects about status and changes in their credit file, including new liabilities, liability settlements, endorser/co-credit seeker changes, and payment delays over 30 or 90 days.
• International Reports (Меѓународни извештаи) International solvency reports covering more than 200 million companies in 230+ countries, delivered in cooperation with Italian partner CRIF S.P.A., with content including Company Profile, Credit Rating, Risk Assessment, Negative Events, Financial Data, Management Structure, and Ownership Structure, priced per country under the Tariff on International Service Fees.
• ESG Platform (ЕСГ Платформа) Digital platform enabling legal entities to register their claims and debtors, assisting in increasing the settlement of claims through the credit bureau infrastructure.
• Account Blockage Report (Извештај за блокада на трансакциска сметка) Report containing real-time data from the Single Register of Transaction Accounts on whether a transaction account is blocked, including continuous days of blockage, case number, bank, account number, blockage amount, basis, and date and time of blockage.

Quantifiable outcome

• 15 years of operation as sole credit bureau in North Macedonia
• +3 more outcomes

Named customers12 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature5 records

Partnerships

One partnership is on record.

• CRIF S.P.A.coreTechnology or IntegrationItalian credit bureau CRIF S.P.A. is MCB's foreign partner providing international reports on companies from over 230 countries. MCB in cooperation with CRIF offers Macedonian companies solvency information about more than 200 million companies worldwide. Reports include company profile, credit rating, risk assessment, negative events, financial data, management structure, ownership structure, and registry information.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Experian plc: Global consumer and business credit bureau operating in over 30 countries with broad data, analytics, and decisioning products; comparable as a reference point for MCB's product suite and customer use cases.
• Equifax Inc. One of the largest global credit bureaus, providing consumer and commercial credit information, monitoring, and analytics; relevant benchmark for MCB's credit reporting, monitoring, and decisioning capabilities.
• TransUnion: Global information and insights company offering credit reporting, risk, and information management services; closely comparable in core credit bureau offering and customer base.
• SCHUFA Holding AG: Germany's dominant consumer credit bureau under a similar bank-owned governance model; a useful structural analogue for MCB's bank-owned, law-protected bureau model.
• Dun & Bradstreet: Specialist in business credit reporting and global commercial data; directly comparable to MCB's Corporate Reports and international reporting lines serving business counterparties.

Direct peers

• Creditinfo Group: Iceland-headquartered credit bureau operator that runs national credit registries and consumer/business reporting services across Central, Eastern, and Southeastern Europe; highly comparable to MCB in scale and emerging-market positioning.
• Creditsafe Group: International business credit report and monitoring provider covering 400+ million companies; comparable product overlap with MCB's Corporate Reports, Monitoring, and international report offering.
• CRIF S.P.A. Italian credit bureau and MCB's strategic partner; operates the same consumer/business credit reporting model across multiple countries, making it the closest functional peer in terms of products, data assets, and go-to-market.

Regional players

• Bisnode (Dun & Bradstreet) SEE operations: European business information provider active in Central and Southeastern Europe; comparable to MCB's Corporate Report and monitoring products serving Macedonian SMEs assessing counterparties.
• CRIF d.o.o. Slovenia / CRIF subsidiaries in SEE: National CRIF-affiliated bureaus operating in Slovenia, Croatia, Bosnia, and other Western Balkan markets; operate under the same model MCB uses and represent the most direct geographic competitors for any cross-border expansion.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/macedonian-credit-bureau-ad-skopje

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

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 Makedonsko kreditno biro AD Skopje / Македонско кредитно биро АД Скопје