Request a credit report & check a company's solvency
Credit score, recommended limit, financial analysis and legal risk — bundled into a single report, built on the most recent Belgian public data.
- 1.9M+
- BE companies
- Daily
- refresh
- 10 years
- of history
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What is a credit report?
A credit report is a detailed company file that brings together every signal needed to assess the financial risk of a customer, supplier or partner before committing. It draws on official public sources (BCE, NBB, Belgian Official Gazette, NSSO) consolidated into a single decision-ready document.
- Know the credit score and risk class assigned to the company
- Verify the real solvency of a customer before granting a payment term
- Analyse the filed annual accounts (balance sheet, P&L, key ratios)
- Identify legal risks: bankruptcies, NSSO claims, official publications
- Assess payment behaviour and set a coherent credit limit
What does a credit report contain?
Four analysis blocks for a 360° view of a company's financial stability.
Score & solvency
- Up-to-date credit score
- Risk class (low, moderate, high)
- Forward-looking insolvency indicator
Financial data
- Balance sheet and income statement
- Liquidity and solvency ratio analysis
- Revenue and equity evolution
Company structure
- Directors and legal representatives
- Shareholders and group structure
- Linked entities and establishments
Legal information
- Bankruptcies and court proceedings
- NSSO and VAT claims
- Belgian Official Gazette publications
Credit score vs solvency: what's the difference?
Two complementary notions, often confused. One is a number, the other is an overall risk assessment.
The credit score
A numeric indicator that summarises the risk of financial default. It is recomputed automatically with every relevant event.
- Financial performance (ratios, margins, growth)
- Payment behaviour and history
- Legal events (bankruptcies, claims)
- Industry sector and economic context
Solvency
A qualitative overall assessment that interprets the score in light of the company's context: size, sector, age, trends. The higher the score, the lower the estimated risk.
In short
- Credit score = an objective, standardised number
- Solvency = the overall financial risk assessment
How do you check a company's solvency?
Four steps to go from a company name to an informed credit decision.
Search the company
By trade name, BCE number or VAT number — the file opens in one click.
Read the score
Immediate view of the credit score, the risk class and the recommended limit.
Analyse the financials
Balance sheets, ratios, revenue trends and structural warning signals.
Set the credit limit
Set a suitable exposure or export the report for internal sharing and archival.
A report that's always up to date
Reports are continuously updated from official publications. Every time you look up a company, you see the latest data.
- Automatic integration of new annual accounts filed at the NBB
- Immediate detection of legal changes in the Belgian Official Gazette
- Score recomputed on every relevant event (bankruptcy, claim, merger)
Who is a credit report for?
Anyone granting credit, a payment term or a contractual commitment to a third-party company.
Frequently asked questions
Everything you need to know before requesting your first credit report.
What exactly is a credit report?
A credit report is a professional file that consolidates the financial, legal and structural data of a company to estimate its risk of default. It is the basis for any decision to grant credit or a payment term.
Is there a free credit check?
Yes. The basic lookup (identity, legal status, BCE data and recent history) is free via the search bar. Full reports with detailed scoring and recommended credit limit are available in the paid plans.
What is a good credit score for a Belgian company?
A high score reflects a low probability of default. As a guideline, a score above 70/100 indicates low risk; below 30, the risk is high and any exposure should be capped or refused.
How can I check the solvency of several companies at once?
The Pro and Enterprise plans unlock multi-company monitoring, bulk export and the public API to query several companies from your CRM or ERP.
Is a free credit check reliable?
Yes for a first qualification: the data comes directly from BCE and NBB. For structural decisions (credit limit, account opening, long-term contract), a full professional report is still recommended.
How often does a company's solvency change?
Structural indicators move slowly, but the score can shift with every major publication: annual accounts filing, NSSO claim, director change, merger or termination.
Is the Company Belgium credit score an official rating?
No. Our scores and risk indicators are statistical analyses derived from public data. They do not constitute a rating under the European credit rating agencies regulation (EC No 1060/2009).