Central Individual Credit Register (CICR)

The Central Individual Credit Register contains information about:

  • all consumer credit and mortgage loans contracted in Belgium by natural persons for private purposes and 
  • all defaults and delinquencies on such loans (the so-called “blacklist”).

The CICR is a tool used to combat consumer over-indebtedness in Belgium.

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  The Central Individual Credit Register can no longer be reached by phone.

Consumers: my data in the CICR

Consumers can consult free of charge the data relating to them in the CICR.

Professionals: lenders

Lenders are obliged to consult the CICR before extending a loan (or credit) and to notify the CICR upon the conclusion of a loan (or credit) agreement.

Professionals: Information for lenders

Professionals: authorised persons

A limited number of individuals are permitted by law to consult the CICR under certain conditions, in their capacity as persons authorised to receive information (so-called “authorised persons”). This group mainly includes debt negotiators, lawyers and trustees.

Professionals: Information for authorised persons