Request a credit report
Credit report
Discover the full value of
a CreditDevice Credit Report
View and interpret the creditworthiness of virtually all
Dutch companies through a Credit Report from CreditDevice.
Please complete the form below
Frequently Asked Questions
A credit report is a detailed report that contains financial information about an individual (ZZP) or organization and is used to assess creditworthiness. The report contains information such as;
- Company data
- Contact details
- Risk indicators
- Payment behavior
- Activities
- Corporate structures
- Real estate
- Management
- Key figures
- Annual figures
- Car data
- Branch analysis
- Court rulings
These credit reports ensure that fraud and credit risks are minimized. CreditDevice uses more than 10,000 sources to compile this data as accurately as possible.
A credit report typically includes the following components:
Personal data
Name, address, date of birth, and sometimes identification numbers, such as a Citizen Service Number (BSN) in the Netherlands.
Credit History
Overview of current and closed loans, including mortgages, credit cards, and personal loans.
Payment history, such as whether bills were paid on time or if there were any arrears.
Outstanding debts
How much a person still owes various lenders.
Payment behavior
Whether there are arrears, defaults, or collection procedures.
Registrations with credit bureaus
In the Netherlands, for example, at the Bureau Krediet Registratie (BKR), which records who has a loan and how it is repaid.
Any negative mentions
Such as bankruptcies, late payments, or legal action.
At CreditDevice, we understand that understanding business creditworthiness is essential to making sound business decisions. That’s why we offer a one-time free credit report application for Dutch companies.
How does it work?
- Simply fill out the form above.
- Enter the Chamber of Commerce number or company name whose creditworthiness you want to check.
- Get your free credit report within 24 hours on weekdays!
Request your free credit report from CreditDevice now and find out how to mitigate financial risk!
It is essential to understand how creditworthy a company is, and whether you should do business with this party. Are you planning to use CreditDevice’s Credit Information Tool more often? If so, contact us or request a no-obligation quote.
A good credit score is essential if you want to get favorable financial terms, such as lower interest rates on loans or a higher credit limit. With these practical tips, you can improve your credit score one step at a time.
1. Pay your bills on time
Timely payments have the biggest impact on your credit score. Even a single missed payment can have a negative impact.
Tip: Set up direct debits or use reminders to pay on time.
2. Keep your credit usage low
Your credit usage is the percentage of your available credit that you actually use.
Advice: Keep this below 30%. For example, if you have a credit limit of €10,000, try not to use more than €3,000 at a time.
3. Avoid too many new credit applications
Each time you apply for a loan or credit, your score may temporarily drop.
What to do: Limit the number of applications and apply for credit only when you really need it.
4. Pay off your debts
Paying off outstanding debts has a positive impact on your credit rating.
How: Use the snowball method (start with the smallest debts) or the avalanche method (focus on debts with the highest interest rates).
5. Retain old accounts
The length of your credit history counts. Older accounts show consistent credit use.
Note: Don’t just close old credit cards, even if you’re not actively using them.
6. Check your credit report for errors
Incorrect information can unfairly hurt your score.
Action: Request your credit report (e.g., from the BKR in the Netherlands) and correct any errors such as erroneous registrations.
7. Diversify your credit types
A mix of different types of credit (for example, a mortgage, personal loan or credit card) shows your lenders that you can handle various forms of credit.
Pro-tip: Don’t deliberately take on new debt to create diversity, but use existing resources wisely.
8. Avoid negative registrations
Payment arrears or collection proceedings have a long-term impact on your credit rating.
Important: Make sure you catch up on arrears as soon as possible and seek help for financial problems.
9. Take advantage of professional credit counseling
If you are struggling to improve your credit score, a financial advisor can help.
Why: They can provide insight into your financial situation and help you with strategies to increase your score.
10. Be patient
Building a better credit score takes time and consistency. Any improvement in your financial behavior will eventually pay off.
Yes, a credit report can provide insight into a person’s debts, but it depends on the details included in the report and the country in which you run the check. In the Netherlands, for example, through the Bureau Krediet Registratie (BKR), loans and credit agreements are registered. Here are the key points to consider:
What does a credit report show?
- Current liabilities
The report provides insight into loans such as personal loans, mortgages, credit card debt, and store cards.
For businesses, outstanding invoices or business loans may be visible.
- Payment behavior
If someone is behind on payments, the credit report often shows this. This is called a negative record.
- Credit limits and usage
Many reports show how much credit is available and how much of it has been used.
- Any arrears or defaults
Overdue payments and collections may be visible, depending on how recent they are and the credit bureau’s specific regulations.
When do you not see debt in a credit report?
Debts outside the credit bureau:
Not all debts are recorded.
For example:
- Tax liabilities.
- Energy supplier arrears.
- Private loans (e.g., from friends or family).
- Obsolete registrations:
After a certain period of time (usually 5 years after full repayment in the Netherlands), negative registrations are removed.
With this notification, our system detects that a request for a one-time free credit report has already been made. Did we make a mistake and you never applied for a credit report with us? If so, please contact us.
