Spanish comercial information
Don’t miss a detail before getting into a business relationship
At INFORMA D&B we want to help you take the best business decisions, and so we offer you a wide range of reports, structured according to the degree of detail that you need:
Summarised report
to get a quick overview of a company’s situation
Commercial report
for full information on a business’s situation
Financial report
for the most comprehensive view of a company, with in-depth details including full balance sheets, analysis ratios, etc.
Sole trader report
with all the available information on self-employed professionals
Investigated report
if you need more information on a company or prefer a specialist to find, elaborate and submit the report that you need. All of our investigated reports include a check for unpaid debts on the inquiry date with the RAI defaulters list.
If you are looking only for a specific detail on a company we offer the possibility of accessing the information directly with no need to go through a whole report, via a menu of Modular Products.
Why choose INFORMA D&B reports?
Because they offer unique information such as:
- DUNS number, a unique international identifier from a list of 200 million companies
- Informa rating, the most dependable indicator of business solvency, given the number and standing of clients that use it every day in their decision-making
- Paydex score, an exclusive indicator of a company’s payment performance
- Predictive scoring, to predict the short-term likelihood of default by a particular company
Because you will find out if the company in question has defaulted on any payments, thanks to our access to the RAI defaulters list, or if it is involved in any legal proceedings.
Because you will get every detail of its financial situation and will be able to see its balance sheets or download its filed accounts.
Because you will know of all the documents published in the official journal of the Spanish Register of Companies (BORME) over a company’s life and be able to check any news published on a company.
Because you will know who the directors of companies are, what corporate linkages they have, what banks they work with, if they have branches, and much more.
RAI (Registro de Aceptaciones Impagadas)
RAI, the piece you need to complete your Financial Information.
The Registro de Aceptaciones Impagadas (Unpaid Loans Registry) is formed by information on unpaid bills, exclusively for legal entities, for ammounts of 300,51 euros or above, in documents where there exists a signature of the debtor recognising the debt (accepted letters, exchange promissory notes, current account checks and current account promissory notes), broadly used in the banking system and with executive power.
Now, straight from our Commercial Reports or the Credit Assessment you will know if a company have any outstanding debt at R.A.I., and if so:
- The total number of unpaid loans.
- The total ammount of the debt
- and the date of the last incidence
In short, INFORMA D&B can provide you with all manner of business information for businesses.
EXPERIAN BUREAU EMPRESARIAL Bank and Multi - sectorial Defaults of Payment
Experian Bureau Empresarial is an information file on multi - sectorial defaults of payments, reference for the telecommunications and banking sectors, created by Experian, world leader in Business and Defaults of Payment Information.
Experian has the private Credit Bureau most consulted in Spain with more than 160 online consultation millions per year and more than 12,000 million annual batch consultation, where they collect more than 45,000 million euros of debt coming from more than 500,000 debtor companies.
Consulting the Experian Bureau Empresarial file, weekly updated, you would obtain
- The registered non-payments relation with the characteristics of each payment and the operation it comes from (type of creditor and unpaid product, amount of the operations and non-payments, non-payment situation, number of non-payments related to each operation, dates of the first and last non-payment and details of the historic evolution of each operation).
- The graphic representation of the non-payment distribution by first non-payment year, situation, product and type of debtor.
- The analysis of all information coming from the file.
Besides, thanks to the surveillance service, which is provided pro actively and free of charge, you would know if the company's situation included in the file have varied or if there are new company registrations.
