Who we are

ERIF Biuro Informacji Gospodarczej S.A. is an economic information bureau (BIG), established and operating under the provisions of the Act of April 9, 2010 on the Disclosure of Economic Information and Exchange of Economic Data (Journal of Laws No. 81, item 530, as amended) and Data Management Regulations of 21 December 2010, approved by the Minister of Economy, following approval of the Inspector General for Personal Data Protection. The bureau receives, stores and discloses information concerning both debtors as well as payers who meet their financial obligations in a timely manner. Solutions and instruments offered by the ERIF BIG S.A. are dedicated to increasing the security of financial transactions conducted by the parties and rewarding a positive payment history.

An reliable and constantly updated system to exchange information on financial credibility of businesses and consumers, this instrument is indispensable wherever non-cash settlements are involved and the risk of non-payment exists. ERIF BIG S.A. offers access to such a system.

The experience and know-how gained by our company enable us to tailor our solutions to the expectations, needs and capabilities of each customer. Our personal approach enables us to adjust the instruments offered by ERIF BIG S.A. to the needs of mass-scale service providers or large-scale operators, as well as small-and medium-sized enterprises.

Exchange of information

ERIF Biuro Informacji Gospodarczej S.A.:

  • access to economic information indispensable in effective risk management;
  • instruments for improving payment habits and timely settlement of liabilities by businesses and consumers;
  • instruments to speed up the turnover of receivables and improve cash-flow;
  • technology enabling the transfer of large amounts of data and integration with the IT system of the customer;
  • solutions sensitive to a given trade and the development phase of the market in which a company operates;
  • easily integrated data in an individual scoring systems.

ERIF Biuro Informacji Gospodarczej S.A. includes information concerning the following markets:

  • telecommunications
  • multimedia
  • banking
  • financial,
  • public sector
  • and others.

Information on debtors reported by the companies of the KRUK Group represents a unique value of the ERIF BIG S.A. database. Such information is not available in any other economic information bureau.

ERIF BIG S.A. comprises economic information reported by both creditors of the primary market as well as secondary creditors. It is worth noting that our register also includes positive reports about the entities that meet their liabilities on time.

Detailed information about the database structure of ERIF BIG S.A. is provided to our customers and partners in a periodic report “The size and structure of the ERIF Register of Debtors database” conducted by an independent auditor.