Request a credit report — businesses and individuals
CreditCheck.nl provides credit information on both businesses and individuals. Request a credit report to support an informed credit decision: we compile it using our sources and affiliated credit information agencies, with source references and a reference date. We only provide credit information on individuals to business customers with a valid lawful basis under the GDPR (AVG).
What is a credit report?
A credit report is a file containing information to assess the financial risks of a business relationship. It brings together identity details, available figures, payment records and insolvencies, with sources and reference dates. The content varies depending on the request and available sources; a score, payment guarantee or comprehensive overview is not necessarily included.
What does a credit report contain?
- Business identification: name, legal form and KVK (Dutch Chamber of Commerce) number
- Available key financial figures, with the relevant reporting period
- Available payment records and official insolvency notices
- Group relationships and sector context, where available and relevant
- Sources, reference dates, missing data and the scope of the report
How to read a credit report: a fictitious example
Voorbeeld Handel B.V. exists only in this example. All findings are invented to illustrate the components; they have not been obtained from the sources listed. An actual file specifies the source, reporting period and reference date for each data item.
| Component | Fictitious finding | Source type | What does this mean? |
|---|---|---|---|
| Identity | Voorbeeld Handel B.V. — fictitious legal entity | Business Register | Check that the contract, invoice and file relate to the same entity. |
| Financial information | Annual figures available; more recent figures missing | Filed annual accounts | Annual accounts look back and do not necessarily reflect the current situation. |
| Payment behaviour | Some invoices paid after the agreed due date | Internal accounts receivable records | Investigate the cause and trend; a late payment does not prove inability to pay. |
| Insolvencies | No notice found in this fictitious check | Central Insolvency Register | No match is not a guarantee of creditworthiness or payment. |
| File status | Additional information needed to make a decision | Combined file | The customer sets their own credit limit and payment terms. |
A report brings together facts and gaps in information. It is not a payment guarantee, financial advice or an offer of financing.
View the steps in a company checkHow do you request credit information?
- Enter your business contact details and identify the business or individual you need information about.
- Describe your purpose and the information you require. Information on individuals requires a valid lawful basis under the GDPR (AVG); do not share sensitive data that is not necessary.
- We assess the request and agree on availability, scope, any costs and delivery. The form does not automatically generate a report.
- Read the report alongside its sources and reference dates. You make your own decisions on customer acceptance, credit limits and payment terms.
Sources and limitations of credit information
- KVK (Dutch Chamber of Commerce) — Business Register and business relationships
Identity, legal form and checks to confirm the correct business counterparty. Available annual figures vary by company.
- De Rechtspraak — Central Insolvency Register
Official insolvency notices. Check the entity, ruling date and any subsequent notices.
- CBS (Statistics Netherlands) — bankruptcies, key figures
Statistical context with definitions and reporting periods. A national or sector average does not assess an individual company.
Payment experiences depend on the data available and do not provide a complete overview of all obligations. News, the Staatscourant and desk research can provide additional context; a news item is no substitute for an official register entry.
We only supply credit information on individuals to business customers with a valid legal basis under the GDPR (AVG). Personal files are not published publicly on this website.
Questions about credit reports
Is a report always up to date and complete?
No. Annual figures may predate the report, payment data may be missing and changes may be published later. Assess the reference date for each section, not just the date on the report.
How much does a report cost and when will it be delivered?
No fixed price or guaranteed delivery time is stated here. These are determined by the information requested, availability and permitted processing before delivery is agreed.
Can I use this to apply for finance?
CreditCheck.nl provides credit information, not finance or financial advice. A lender may use information in its own assessment; a credit report does not guarantee finance.
More about credit reports
Editorially updated: . This is not a reference date for company data.
Transparency
- CreditCheck.nl provides credit information about both businesses and individuals.
- Our information comes from public registers and affiliated sources, with source references and an as-at date.
- We provide credit reports ourselves or through affiliated credit information agencies.
- We only provide credit information about individuals where there is a valid lawful basis under the GDPR (AVG).
- We do not provide credit ourselves or offer financial advice.
Request credit information
Tell us which business or person you need credit information about. We provide the information with source references and an as-at date. We only provide information about individuals to business customers with a valid lawful basis under the GDPR (AVG).