The file of non-regulated registrations (ENR)

Since 2004 the National Bank of Belgium has managed the "Non-regulated registrations" (ENR) records on the basis of an agreement concluded with the participating lenders. These records are separate from those of the Central Individual Credit Register, which has a legal basis. The aim is likewise to prevent consumers incurring excessive debt by giving lenders information on persons registered with credit arrears.

The ENR records register only arrears on credit agreements and financial liabilities which are not regulated by Article VII. 148 of the Code of economic law and which were concluded for private or business purposes by individuals.

Access to the data is restricted to ENR database participants, namely lenders who have signed an agreement with the National Bank of Belgium and who also update these records.

As far as the ENR file is concerned, the information reported is identical (debtor identification, characteristics of the credit contract or the financial liability or the overdue debt) but this is only reported in cases of overdue debt.

  • the debtor’s identification particulars as well as those of any co-debtors: the National Register identification number of natural persons, surname, official first name, date of birth, sex and address.
  • the characteristics of the credit contract: the type of credit, contract number, and
    • for instalment sales, instalment loans and financial leasing: the total amount to repay, the amount for the first instalment, the number of instalments, the original periodicity of the instalments, the date of the first instalment and the date of the last instalment;
    • for credit lines: the credit amount, the date on which the contract was entered into and, if necessary, the date on which the contract ends;
    • for mortgage loans: the capital amount borrowed, the amount for the first due date, the number of due dates, the original periodicity of due dates, the first due date and the last due date.
  • the overdue debt: the date and the amount in arrears or in case of maturity, the amount and the date of the outstanding debit balance.