What Taust does

Taust (legally Krediidiregister OÜ) is an Estonian credit information bureau and business intelligence platform operated through the web portal taust.ee, part of the Aktiva Finance Group. The platform aggregates payment default data from Estonia's major banks, telecom operators, lenders, and debt collection agencies (over 270,000 active entries) with feeds from public registries including the Estonian Business Register, Tax and Customs Board, Land Register, and State Gazette court decisions. Core features include A/B/C credit risk grouping, a monthly recommended credit limit, six-month tax debt history, business-relations network mapping, company-events monitoring, asset and quarterly turnover data, and an enterprise API for hourly customer database refreshes.

Underlying technology combines publicly available registry data with creditor-contributed payment default submissions, automated court-decision linking via registry codes, and an EU-co-developed corporate failure prediction model that feeds the credit rating classification. Distribution is exclusively through the self-serve web portal (Estonian and English) plus direct enterprise sales for high-volume and API integrations.

Monetization rests on three streams: a freemium subscription tier (Premium at €49/month for 25 checks plus €2.20 per overage query), custom-priced Pro enterprise agreements, and API-based usage billing. Customers include all major Estonian banks (Swedbank, LHV, Inbank, Coop), telecom operators (Telia, Tele2), consumer lenders (Credit24, ESTO), and debt collection firms (Julianus), alongside a long tail of SMB and individual users, with private-person tenant screening as a secondary use case. The company is privately held, headquartered in Tallinn, and operates exclusively in Estonia.

Name

Taust

Legal name

Krediidiregister OÜ

Website

https://taust.ee

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Taust (Krediidiregister OÜ) is an Estonian credit information bureau operating the taust.ee portal, aggregating payment defaults, tax debts, court decisions, and registry data to serve Estonian banks, lenders, telcos, and businesses with credit-risk and background-check decisions.

Ownership category

akta.pro rank

Product category

Credit Information Services

NAICS

Credit Bureaus (56145)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Consumer Identity Verification (KYC) & Fraud Risk for Credit (FSAKAKAD)

akta.pro secondary industry

Model Risk Management, Validation & Audit for FCC Systems (FSAMAMAI)

Keywords

• Credit reporting services
• Business background checks
• Payment default database
• Credit risk assessment
• Company monitoring services

Headquarters

HQ city

Tallinn

HQ country

Estonia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Subscription (Contractual/Enterprise Clients): Monthly subscription fees for contractual clients who receive unlimited background checks, company cards, private person cards, and monitoring within their plan. Invoiced monthly by Krediidiregister OÜ.
2. Per-Inquiry Fees (Casual Users): Pay-per-query model for non-contractual users who access individual background reports. Also charged when monthly inquiry limits are exceeded in Premium plan (€2.20 per additional inquiry).
3. API Data Services (Enterprise): API integration service for enterprise clients who need automated, high-volume customer data refreshing from Estonian public registries. Billed per query or as part of enterprise contracts.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Taust.ee is an Estonian online credit information and business background-check platform that aggregates payment defaults, real-time tax debt data, court decisions, property records, employee counts, quarterly turnover, financial reports, and corporate relations from public registries and creditor partners. It enables banks, lenders, telecoms, debt collectors, and businesses to assess the creditworthiness of business partners and private individuals, classify companies into A/B/C risk groups, receive automated monitoring alerts on changes to monitored entities, and order standalone reports such as marketing/sales lists, debtor rankings, external reports, and recognition badges. Enterprise customers can also integrate the data into their own systems via API for automated customer database refresh.

Product overview

Taust.ee is an Estonian credit bureau and business intelligence platform operated by Krediidiregister OÜ (part of Aktiva Finance Group). It provides a unified portal for checking the background and creditworthiness of business partners and private individuals. The core offering is a comprehensive database aggregating payment defaults (over 270,000 active entries), real-time tax debt data, court decisions, property records, employee counts, quarterly turnover, financial reports, business relations, and credit ratings from Estonian public registries. The platform's Premium subscription (€49/month) provides 25 monthly background checks, monitoring, and company/private person cards, while additional modules include marketing and sales lists, debtor rankings, external reports, sector-based company directories, Financial Excellence recognition badges, and an API integration service for automated customer database updates.

Differentiator

Problem solved

Functional benefit

Products and services

• Taust.ee Credit Information Platform Web-based portal providing background checks and credit risk assessment for Estonian business partners and private individuals, aggregating data from public registries and financial sources. Free tier and paid Premium (€49/month) and Pro (custom) subscriptions available.
• Payment Default (Maksehäire) Registry Estonia's largest payment default database, publishing active defaults from telecommunications companies, banks, lenders, and debt collection agencies.
• Company Monitoring / Surveillance Service Automated monitoring service that alerts clients when a monitored company undergoes changes such as debt arising, official notices being published, or court decisions appearing.
• Marketing and Sales Lists List-based service enabling businesses to identify and target potential new clients using the Taust.ee platform.
• Debtor Top (Võlglaste list) Ranking of debtors published through the Taust.ee platform, helping businesses identify high-risk counterparties.
• External Reports (Välisraportid) Comprehensive external background and credit reports on companies, available as a paid service.
• Companies by Sector (EMTAK-based directory) Sector-based directory of Estonian companies (classified by EMTAK NACE code) available for review and targeting.
• Customer Database Data Update Service (API) API-based service enabling enterprises to automatically refresh their customer databases with fresh data from Estonian public registries (Business Register, Tax and Customs Board, Property Register), with hourly updates and per-query billing.
• Financial Excellence Recognition Badge Quality label awarded to outstanding companies based on excellent financial performance, low credit risk, and good standing, in Gold (AAA, AA, A) tiers. Includes physical medal, certificate, stickers, and bundled Premium access (Premium package); or web badges and Premium access (Digital package).
• Well-Managed Company Recognition Badge Recognition badge awarded to well-managed Estonian companies, highlighting business reliability.

Quantifiable outcome

• More than 270,000 active payment defaults published in the database
• +2 more outcomes

Named customers10 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature9 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Estonian Business Register (Äriregister)coreTechnology or IntegrationData source partner. Provides business registry data including valid/invalid associations with legal entities, board members, supervisory board members, procurators, beneficial owners, and related persons and companies. Source for corporate network/relations mapping.
• Estonian Tax and Customs Board (Maksu- ja Tolliamet)coreTechnology or IntegrationData source partner. Provides real-time tax debt status and 6-month tax debt history. Also provides quarterly employee count data from the Employment Register.
• Land Register (Kinnistusraamat)coreTechnology or IntegrationData source partner. Provides real property/land ownership data for individuals and companies, used to assess assets and creditworthiness.
• University of Tartu (Faculty of Economics and Business Administration)minorStrategic or Co-development PartnerCooperation project 'Predicting Corporate Failure' from March to December 2020. Total project cost €74,000, of which €44,400 financed under EU regional development measure. Focus on corporate failure prediction models.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Creditinfo: Creditinfo is the largest credit bureau group across the Baltic and Nordic region, operating credit information and scoring services in Estonia, Latvia, Lithuania, and beyond. It is Taust's most direct competitor in the Estonian market, offering overlapping payment default registry, credit scoring, and decision-support products to the same banking and lending customers.
• Graydon: Graydon is a long-established European business credit information provider operating in the UK, Netherlands, Belgium, and other markets, offering commercial credit reports, payment behavior data, and risk scores. Its product mix of registry-aggregated reports plus predictive scoring is directly comparable to Taust's Taust.ee platform.
• Creditsafe: Creditsafe is one of Europe's largest online business credit reporting platforms, offering pay-per-report and subscription business credit reports across multiple European markets. Its self-serve digital model, per-inquiry pricing, and broad SME/enterprise target closely mirror Taust's Premium and Pro tier mechanics.

Broad incumbents

• Equifax: Equifax is a global credit bureau incumbent offering consumer and commercial credit information, analytics, and identity services. While not natively focused on Estonia, it competes for multinational enterprise contracts and could expand directly into the Estonian market as open banking and EU credit data harmonization progresses.
• Coface: Coface is a global trade credit management and business information provider offering company credit reports, payment default data, and receivables insurance. It competes with Taust for enterprise customers needing cross-border business credit intelligence on Estonian counterparties and their trading partners.
• Experian: Experian is one of the three global credit bureau incumbents, providing consumer and business credit reports, scores, analytics, and decisioning across 30+ markets. It serves the same banking, lending, and telecom customers that Taust serves, and competes for the same Estonian enterprise contracts at the higher end of the market.
• Bisnode (now Dun & Bradstreet): Bisnode historically operated as the dominant business information provider in the Nordics and Baltics and was acquired by Dun & Bradstreet, a global business credit and marketing data incumbent. Both Bisnode and D&B serve Estonian companies with business credit reports, registry aggregation, and risk scores at a much larger scale than Taust, representing the principal broad-market incumbent.
• CRIF: CRIF is a large European and global credit information, scoring, and decisioning provider headquartered in Italy with strong Central and Eastern European presence. Its core business of credit bureau data, scoring, and decisioning platforms competes head-on with Taust in adjacent CEE and Baltic markets and could enter Estonia.

Regional players

• Soliditet (Bisnode Sverige / Dun & Bradstreet): Soliditet is a Nordic-focused credit and business information service, historically dominant in Sweden and part of the wider Bisnode/D&B family. It is comparable to Taust as a regional credit bureau with a similar self-serve online reporting portal and a similar network of contributing creditors.

Others

• Arvato Financial Solutions: Arvato Financial Solutions is a major European provider of credit risk, debt collection, and customer lifecycle management services, including credit information aggregation and scoring. It is comparable to Taust as an adjacent ecosystem participant that bundles credit information with broader risk management and collection services for lenders.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 Taust