Creditworthiness and company health
The question "can I supply this company on account?" has a concrete answer assembled from public data. It is not a score from a black box – it is a list of facts you can verify.
The problem
The decision on payment terms is made by feel, or based on how the counterparty's website comes across. Yet the publicly available signals speak clearly: arrears on contributions, tax debt, bankruptcy proceedings under way.
And where the sources are checked at all, it happens once when the customer is created. The situation changes every month; the check does not.
How FirmAPI solves it
One call returns the status across every risk list at once: Social Insurance Agency, tax debtors, insolvency, enforcement authorisations. The result can feed your own score or go straight into a limit.
Financial statements add a second dimension – revenue, result and equity over recent years. A company with no debt but three years of falling revenue is a different case from a debt-free company that is growing.
The combination translates into policy: terms granted automatically up to amount X, above X only after review, payment in advance on any appearance in a debtor list.
GET /v1/company/ico/51636549?scope=debtor_status,insolvency,financial_statements
{
"debtor_status": {
"is_debtor": true,
"sources": [
{
"source": "socialna_poistovna",
"debt_amount": "4210.55",
"listed_since": "2026-07-31"
}
]
},
"insolvency": { "has_active_proceedings": false, "proceedings": [] },
"financial_statements": {
"latest": { "year": 2025, "total_revenue": 486210, "net_profit": 41730 }
}
}Frequently asked questions
Do you provide your own credit score?
No. We provide the underlying register data with the date it applies to. You build the score to your own risk policy – and you know exactly what it came from.
How quickly does it show that a company has cleared its debt?
It depends on the source. Debtor lists update on a monthly cycle, insolvency and the journal faster. Every record carries the date it applies to.
Try it on your own data
A free account requires no payment card. Our database holds 2 160 466 entities from 48 public registers.