Use case · Credit & financial risk
Make credit decisions on filed financials, not estimates.
Ground credit scoring, SME onboarding, and financial due diligence in filed P&L, balance sheets, ratios, and ownership, on 115M+ private companies across 30 European markets, back to 2005.
Jan De Nul · Aalst, BE
The problem
Why credit decisions rest on shaky data
Thin onboarding data
New SME applicants arrive with little more than a name and a number, too little to price risk on.
Estimated financials mislead
Modeled or estimated figures put a confident number on a guess, and credit decisions inherit the error.
Private companies are opaque
Most private businesses don't publish, so their real revenue, leverage, and history stay out of reach.
Ownership isn't priced in
Without the parent and beneficial owners, group-level exposure and connected risk go unseen.
Our solution
The filed numbers behind every credit decision.
Filed financials, not estimates
Actual filed P&L and balance sheets, so a credit decision rests on what the company reported, never a model.
Ratios ready to score
Liquidity, leverage, and margin ratios (including transfer-pricing) computed from the filed accounts.
Ownership and UBO
Parent, ultimate owner, and beneficial owners, so you can assess connected and group-level exposure.
History back to 2005
Multi-year filed history to see the trend, not just a single snapshot, on 115M+ private companies.
How it works
From an applicant to a scored decision.
Send the company
Look up a company by name or ID via API at onboarding, or send a portfolio for batch scoring.
We return the financials
Filed P&L, balance sheet, ratios, ownership, and history come back structured and ready to score.
Decide with confidence
Feed it into your credit model or onboarding flow, refreshed as new accounts are filed.
Time to value
From call to sample in days, not weeks.
Once you get in touch, we go from a first call to a sample of your own data in a few days. And when you come on board, you get 24/7 access to our team on Slack, so questions get answered fast.
acme-infobelpro
Shared channel · your team + InfobelPRO
Maria K. 23:47
When's the next data refresh landing?
InfobelPRO 23:52
Next delta lands Aug 1. I'll ping you when it's live.
24/7 access to our team on Slack, once you come on board.
FAQ
Frequently asked questions
Filed profit-and-loss statements and balance sheets, computed ratios (including transfer-pricing), ownership and UBO, directors, and multi-year history, on 115M+ private companies with filed accounts.
Filed. Figures come from the accounts the company actually filed, not a model or an estimate, so credit and risk decisions rest on reported numbers.
30 European markets for filed financials, with UBO available globally via API. Firmographics and corporate linkage extend across 200+ markets.
Filed history reaches back to 2005 for covered companies, so you can assess the trend across years rather than a single snapshot.
Yes. A REST API returns a company's financials at onboarding or application, and bulk delivery scores an existing portfolio in one batch.
Corporate linkage ties each company to its parent and ultimate owner, and UBO data (from filed financials) surfaces the beneficial owners, so connected and group-level exposure is visible.