Norsk Gjeldsinformasjon AS

What Norsk Gjeldsinformasjon AS does

Norsk Gjeldsinformasjon AS (NoGi) is a Norwegian private limited company founded in 2019 that operates the country's national infrastructure for collecting and distributing unsecured consumer debt information. The company was established under the gjeldsinformasjonsloven (Debt Information Act) and holds an exclusive concession from the Ministry of Children and Families (Barne- og familiedepartementet), with supervisory oversight from Finanstilsynet and Datatilsynet. All Norwegian financial institutions offering unsecured credit to consumers are legally required to submit debt data to and consume data from the platform, making participation universal.

The company's core product is the norskgjeld.no consumer portal, which authenticates users via BankID and retrieves a real-time, direct-from-source overview of their unsecured debt across every connected financial institution. On the B2B side, financial institutions access debt information through API integrations for credit assessments and receive quarterly aggregate data for credit scoring models under gjeldsinformasjonsforskriften. The system performs daily synchronization from all participating institutions, issues gjenpartsbrev notifications to consumers whenever a credit lookup is performed, and delivers documents to authorized parties through Digipost. A public statistics dashboard and monthly downloadable Excel reports provide authoritative national debt trend data to media and analysts.

Revenue is generated through recurring subscription and usage fees paid by financial institutions for credit-assessment lookups and the regulated quarterly credit-scoring data service. Pricing is not publicly disclosed. The company is owned by the largest Norwegian financial institutions that provide consumer credit and is headquartered in Oslo with approximately 7 employees.

Name

Norsk Gjeldsinformasjon AS

Legal name

Norsk Gjeldsinformasjon AS

Website

https://norskgjeld.no

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Norsk Gjeldsinformasjon AS operates Norway's national unsecured consumer debt registry under the gjeldsinformasjonsloven, aggregating debt data from all Norwegian financial institutions. It serves lenders via API-based credit assessments and consumers via a BankID-authenticated debt portal.

Ownership category

akta.pro rank

Product category

Credit Information Services

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Fraud Detection, Identity & KYC/AML for Mortgages (FSALALAH)

Keywords

• Debt information services
• Credit bureau infrastructure
• Consumer credit data
• Financial data aggregation
• Credit assessment platform

Headquarters

HQ city

Oslo

HQ country

Norway

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Others

Revenue model

1. Financial institution subscription/usage fees: Financial institutions pay for access to debt information services for credit assessment purposes. All financial institutions offering unsecured credit in Norway are mandated by law to participate in the system.
2. Quarterly credit score model data: Four times per year, financial institutions receive aggregate debt information about their loan customers for establishing or updating credit scoring models. This service is regulated by gjeldsinformasjonsforskriften.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

Norsk Gjeldsinformasjon AS operates a national debt information infrastructure that aggregates unsecured consumer debt data from all Norwegian financial institutions and distributes it to financial institutions for credit assessments and to consumers via a BankID-authenticated web portal. Financial institutions access the data through API integrations under a regulatory mandate (gjeldsinformasjonsloven), while consumers use the norskgjeld.no portal to view their personal debt overview free of charge.

Product overview

Norsk Gjeldsinformasjon AS (NoGi) operates a consumer-facing debt information service centered on the norskgjeld.no web portal. The portal allows individuals to authenticate via BankID and retrieve a real-time, direct-from-source overview of their total unsecured debt across all participating Norwegian financial institutions. The service also publishes a public statistics dashboard and monthly downloadable statistics reports (Excel xlsx) tracking aggregate Norwegian consumer debt trends. All three components—the consumer portal, the public statistics dashboard, and the monthly statistical reports—are offered as a single integrated service under the NoGi brand, governed by the gjeldsinformasjonsloven (Debt Information Act).

Differentiator

Problem solved

Functional benefit

Products and services

• Norsk Gjeldsinformasjon Consumer Portal (norskgjeld.no) BankID-authenticated web portal that allows Norwegian consumers to view their total unsecured debt (forbruksgjeld), broken down by debt type (repayment loans, credit cards, payment cards), with data fetched in real time directly from financial institutions. The service also sends automated gjenpartsbrev notifications to consumers when a financial institution accesses their debt data as part of a credit application.
• Statistikkportal (Statistics Dashboard) Public-facing dashboard showing aggregated Norwegian unsecured debt figures, including totals by debt category (repayment loans, credit card debt, payment card debt), number of persons with debt, and granted credit limits, updated monthly.
• Månedsstatistikk (Monthly Statistics Reports) Monthly downloadable Excel (xlsx) spreadsheets providing detailed breakdowns of Norwegian consumer debt by type, amount, and trends, available through the article archive (arkiv).
• Financial Institution Debt Information API Service API-based debt information service provided to Norwegian financial institutions (finansforetak) for credit assessment purposes. Institutions query NoGi to obtain a consumer's full unsecured debt position when evaluating credit applications, and receive quarterly aggregate debt data about their loan customers for establishing or updating credit scoring models under gjeldsinformasjonsforskriften.

Quantifiable outcome

• Norwegian consumers can access their complete unsecured debt overview directly from the source financial institutions
• +1 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Two partnerships are on record, tiered core and regulatory.

• Norwegian financial institutions (finansforetak)coreChannel Partner/ Reseller/ DistributorAll financial institutions offering unsecured credit in Norway are legally required to participate in Norsk Gjeldsinformasjon's system. They submit debt data and access debt information for credit assessments. Examples include AK Nordic AB, AS Financiering, Aasen Sparebank, Agder Sparebank, Alektum Finans AS, and many others listed on the website.
• Norges Bank, Finanstilsynet and Statistisk sentralbyråregulatoryOthersDebt information is also distributed to public authorities (Norges Bank, Finanstilsynet, and Statistics Norway) for statistics, monitoring and control purposes.

Scale indicators5 records

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Equifax: Global consumer and business credit bureau offering credit reporting, scoring, and identity/fraud services to lenders; broad incumbent serving many markets with overlapping capabilities to NoGi's debt-information services.
• Experian: One of the three largest global consumer credit bureaus providing credit reports, scores, fraud detection, and decisioning analytics to lenders worldwide; operates at vastly greater scale across many geographies and product lines but serves the same fundamental credit-information need.
• TransUnion: Global consumer credit bureau providing credit information, risk analytics, and fraud solutions to financial institutions; broad incumbent whose core credit-information infrastructure parallels NoGi's national registry model.
• Intrum: Large European credit management and debt services company serving banks and lenders across multiple markets; broad incumbent with overlapping capabilities around consumer credit data and risk management services.

Others

• Signicat: Norwegian digital identity and electronic signature provider leveraging BankID and similar trust frameworks for financial-sector KYC and onboarding; adjacent infrastructure provider rather than direct competitor, but operates in the same Norwegian financial-data ecosystem.

Regional players

• UC (Upplysningscentralen): Sweden's primary consumer and business credit information bureau, providing credit reports and decisioning data to Swedish lenders under a similar national-information-bureau model; closest functional peer, but operating in a different national market.
• Alektum Group: Nordic credit information and debt purchase company active across the Nordics; comparable regional footprint and credit-data infrastructure for the Nordic consumer-credit market, though with different geographic focus.
• Bisnode (Dun & Bradstreet Nordic): Major Nordic business and consumer information provider (now part of Dun & Bradstreet) offering credit reports, debtor information, and decision data across the Nordics; comparable credit-information infrastructure with regional overlap but broader scope.
• Kredinor: Norwegian debt collection and credit information company operating in the same Norwegian consumer-credit ecosystem; comparable local market presence and overlapping data assets, though focused on collections rather than reporting.

Direct peers

• Creditsafe: Global credit bureau aggregating business and consumer credit information for decisioning and risk management; similar model of selling aggregated credit data to lenders, with overlapping B2B distribution and data-aggregation approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/norsk-gjeldsinformasjon-as

Compliance2 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 Norsk Gjeldsinformasjon AS