Information reported

Generally speaking, the information included relates to all consumer credits and mortgage loans, contracted by natural persons for private purposes as well as any overdue debts arising from these credits.

  • The Central Individual Credit Register (CICR)

    The information included in the Central Individual Credit Register (CICR) file relates to all consumer credits and mortgage loans referred to by the Law of 10 August 2001, contracted by natural persons for private purposes as well as any possible overdue debts arising from these credits.

  • The file of non-regulated registrations (ENR)

    The information included in the non-regulated registrations (ENR) file concerns only overdue debts relating to credits and financial liabilities contracted by natural persons for private purposes but which are not included in the CICR file.

  • Recording criteria

    Overdue debts are recorded if they meet specific criteria.