Credit Reports

Creditworthiness Service (Due Diligence)

Our team will review all registries and databases containing real and highly relevant information for your company.

Based on this information, you will be able to make informed decisions: whether to enter into a contract, whether to assume a risk posed by a counterparty. You will have a clear picture of the risks to minimize.

Court disputes, impending bankruptcy, banking prohibitions, debts to the state or suppliers, non-existent companies, secretly mortgaged assets, management changes, fragile financial situations – all this information about the TRUTH will help you position yourself most effectively, especially when the stakes are high.

In a narrow sense, creditworthiness, or solvency, represents a debtor’s payment capacity. In a broad sense, it consists of any element that could influence the course of a relationship or transaction between a creditor and a debtor (for any kind of obligations).

Court Portal The legal profile of an individual or legal entity is determined by the existence or absence of ongoing court cases and the procedural status of the person. It offers many clues about the conduct of your commercial partner.

Trade Register The commercial and financial profile of a company provides valuable data regarding the management team and any changes therein, the amount of share capital, ongoing dissolutions, liquidations, or cancellations, and other similar details.

Insolvency Bulletin When entering into high-value contracts, especially long-term ones, it is recommended to ensure that your contractual partner has the financial resources to meet their payment obligations.

National Agency for Fiscal Administration The fiscal profile of a person reveals a lot about their attitude towards fulfilling monetary obligations.

Electronic Archive of Real and Movable Guarantees It often happens that debtors offer you guarantees to fulfill their obligations to you, even though those guarantees – usually assets – have already been pledged to someone else.

Land Register The land profile of an individual or company is outlined mainly through the real estate they own, especially if these assets are subject to execution in case of non-fulfillment of assumed obligations.

National Notary Registers The National Notary Register of Creditors, the National Notary Register of Matrimonial Regimes, or the National Notary Register of Successional Options are just a few of the registers that notaries are obliged to maintain to ensure the publicity of certain acts or procedures. These registers can provide important information for the creditworthiness of economic subjects. By using them, you can either minimize your losses or maximize your gains by making an informed decision.

How Can You Minimize Damages with a Creditworthiness/Solvency Report?

Don’t leave important decisions to chance; make them based on the real creditworthiness of your partner, like a strategist at the top of the largest companies.

You need a multitude of professionally provided information before signing any document that may have future patrimonial consequences. Therefore, request the creditworthiness (due diligence) report service regarding potential commercial partners.

CARDD prepares profiles of legal and natural persons that help determine their financial and patrimonial situation so that you know what assets and liabilities they have, as well as their income and expenses. With this information, you can make informed decisions.

Our team will study all registers and databases containing real and highly relevant information for you.

Based on this information, you will be able to make the best choices: whether to enter into a contract, take a risk, or minimize it.

Court litigations, imminent bankruptcies, banking prohibitions, debts to the state or suppliers, the non-existence of the company, mortgaged assets, management changes, financial situations – all these elements will help you position yourself as effectively as possible when the stakes are high.

In a narrow sense, creditworthiness, or solvency, represents a debtor’s ability to pay. In a broader sense, it consists of any element that could influence how a relationship or transaction between a creditor and a debtor (of any kind of obligations) will unfold.

Court Portal

The legal profile of a person (individual or legal entity) – determined by the existence or not of cases in court and the procedural quality of the person – offers many clues about the conduct you can expect from them.

Trade Register

The commercial and financial profile of a company provides valuable data such as the people in management and any changes at this level, the amount of share capital, the existence of ongoing dissolutions, liquidations, or deletions, and the like.

Insolvency Procedural Bulletin

When entering into high-value contracts, especially for a longer period, it is recommended to ensure that your contractual partner has the financial resources to fulfill their payment obligation.

National Agency for Fiscal Administration

A person’s fiscal profile also reveals a lot about their attitude towards fulfilling financial obligations.

Electronic Archive of Real and Movable Guarantees

It often happens that debtors offer you guarantees for fulfilling the obligations they have assumed towards you, even if those guarantees – mostly consisting of goods – have already been constituted in favor of another person.

Land Registry

The financial profile of a person or company is shaped especially with the help of the properties they own, which are equally susceptible to execution in case of non-fulfillment of assumed obligations.

National Notarial Registers

The National Notarial Creditor Register, the National Notarial Matrimonial Regimes Register, or the National Notarial Register of Successional Options are just a few of the registers that public notaries are required to keep for the purpose of ensuring the publicity of certain acts or procedures. At the same time, these registers can provide you with important information from a wide range of areas. By benefiting from a series of relevant information regarding a potential or existing contractual partner, you will either minimize your losses or maximize your gains, always making the best decision. Don’t leave important decisions to chance, but take them responsibly, like a strategist, as it is done at the top of the largest companies.

How can you minimize damages through a creditworthiness/solvency report?

The ability of a debtor to pay is called creditworthiness. This indicator is closely related to the opportunity for you to enter into a contract with a particular company. You need a multitude of information before signing any type of document that may have future consequences. Therefore, we recommend minimizing risks as much as possible by requesting credit reports (due diligence) on potential business partners.

The Assistance and Recovery Center for Compensation and Damages creates profiles of both legal and natural persons that help establish the financial and patrimonial situation of the targeted persons, so that we can find out what assets and liabilities they have, respectively what incomes and expenses. With this information, you will be able to make the best decisions with full knowledge.

What is creditworthiness/solvency?

Creditworthiness, or solvency, represents a debtor’s payment capacity. This aspect should interest you when you want to close important contracts that can bring you either major benefits in the case of a successful collaboration or significant losses in the case of a failed collaboration.

Therefore, it is especially important to know exactly who your potential commercial partner is, regardless of the role they will have – client, supplier, service provider, franchisor, etc.

You need to know their financial situation, as well as their legal and fiscal history. Beyond their patrimonial and legal situation, we can help you find out if your future commercial partner has a history of unpaid bills.

How can creditworthiness/solvency help you in your business decisions?

If you have a report containing complete information about the solvency of your future commercial partner, you can decide with full knowledge of the facts what to do next.

You can choose to proceed with the due diligence procedure to obtain more information, you can conclude that contract, or, on the contrary, you can refuse it. Whatever your decision, you will have the certainty that it is the right one.

Creating the profile, analyzing it

After we create the profile of the potential commercial partner by collecting information from both public sources (institutions) and private sources (e.g., commercial partners, employees), we will analyze their profile and provide you with a report with our conclusions.

Need Support with Creditworthiness Reports?

Our team is dedicated to providing comprehensive support in creating creditworthiness reports. We ensure that all necessary information is collected and analyzed accurately to provide a detailed and precise assessment of financial creditworthiness.