National B2B Credit Assessment

Are you wondering how you can become even more successful? Would you like to know quickly and reliably whether you have creditworthy business partners at your side? Is it important to you to do good business?

Gain a competitive edge now by making sound decisions for sustainable success. With reliable information on the identity and creditworthiness of your business partners, you can secure your company's long-term liquidity.

CRIF B2B products provide you with reliable data on more than 6 million German companies. With products tailored to your requirements and risks, you can better assess your credit risks and make informed risk decisions for your company in a timely manner.

With b.ONE, CRIF's web portal, you can easily access all risk-relevant information about your business partners at any time with just a click of the mouse or via an interface.

Information for your success

Which product from our range is right for you depends entirely on your information needs and the risk level of your business model. We offer a wide range of products to suit your needs.

Full disclosure

The full report provides detailed background information about your German business partners to make your business transactions more secure and predictable. In addition to the information most valued by our customers,
 the credit rating index and the maximum credit recommendation, the full report also includes the balance sheet ratio.

The full report can be used in a variety of ways. By presenting balance sheet information in a two-year comparison with an indication of changes, the full report also provides a reliable basis for an in-depth balance sheet analysis of a company. The income statement in accordance with HGB
presentation of balance sheet information in a two-year comparison with changes indicated, the full report also provides a reliable basis for an in-depth balance sheet analysis of a company. The profit and loss statement in accordance with HGB is also provided. Important balance sheet ratios for analysis include the equity ratio, the return on total capital and a liquidity ratio.
 

This information is presented clearly and comprehensively with the aid of graphics.

  • Complete

    Company information, financial figures, and legal form data


  • Extensive

    Financial data such as credit rating, payment history, maximum credit recommendation

  • Reliable

    Balance sheet figures

  • Current

    Payment Morality Index (PMI) and Anomaly Index (AI)

The Credit Report

Compared to the more detailed full credit report, the credit report focuses on basic data and facts about a company for the purpose of assessing credit decisions involving medium to high risks.

Bonicheck Compact

For medium business risk, we support your credit decisions with concise information about your business partners. BoniCheck Compact provides key information about the company in question, such as negative characteristics, as well as an overview of its financial situation and business figures.

FinanzCheck

For lower risks, the FinanzCheck provides you with detailed information about your customers' creditworthiness. We provide you with decision-relevant information such as
payment history and any negative characteristics at a glance. The FinanzCheck also includes a maximum credit recommendation.

Key Benefits

  • Comprehensive credit assessment

    Detailed insights into creditworthiness and solvency.

  • Transparent risk assessment

    Clear layout thanks to traffic light system for quick decision-making.

  • Early warning system for business risks

    Shows structural changes in business partners.

  • Customizable risk values

    Define thresholds for flexible risk assessment.


  • Advanced insights into business structures

    Includes subsidiaries and shareholders in the analysis.

  • Optimized decision making

    Supports informed business decisions and reduces risk of failure.