About the ICR

The Individual Credit Register contains information about:

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

Consumers cannot submit data to the ICR themselves.

The ICR in figures


The Individual Credit Register (ICR) is changing its IT application on 1 May 2024.

As a result, the monthly figures of the ICR for May 2024 will be published later than usual (in early July 2024).

What is the ICR’s added value?

The ICR is a tool used to fight consumer over-indebtedness in Belgium. It was established, amongst other reasons, to prevent consumers from taking on too much debt. 

How does it work?


The ICR is important at two different points in time:

  • Upon the conclusion of a new loan (or credit) agreement 
    Lenders doing business in Belgium are required to assess consumer creditworthiness and whether the individual can meet their payment obligations. To this end, they are obliged to consult the ICR before extending a loan or granting credit. The idea is to ensure that lenders are able to form a complete picture of the prospective borrower's existing indebtedness. The lender can then better assess the credit risk and avoid overextension.
  • When over-indebtedness arises
    An over-indebted consumer can petition the competent labour court for a collective debt settlement. The court will then appoint a debt negotiator to draw up a payment plan. As long as these proceedings are pending, the debtor is not allowed to incur additional indebtedness (and therefore cannot enter into new credit agreements or take out additional loans). It is important that creditors be aware of this fact. Therefore, the ICR also contains information on such proceedings.

Who submits which data and when?

Consumer data are submitted to the ICR exclusively by lenders:

  • New credit agreements: within two working days from the conclusion of a new credit agreement or loan, the lender must submit to the ICR data on the borrower’s identity and the key features of the credit (or loan) agreement.
  • Payment defaults: within eight working days, the lender must notify the amount in arrears, the date of default and reimbursement to the ICR.  
  • Collective debt settlements: within 24 hours from recordation in the Central Records Register (Central Register of Records of Attachment and the Assumption, Assignment, Collective Settlement and Contestation of Debts), the following data must be submitted to the ICR:
    • the start and end date of the debt settlement plan;
    • the name of the court and the judgment number; 
    • the name of the debt negotiator; 
    • if applicable, the start and end date of the out-of-court or court-supervised settlement; 
    • if applicable, revocation/rejection of the collective debt settlement plan.

Data retention period

Data are kept in the ICR for the entire term of the loan or credit agreement.

Data on agreements that are performed without incident are deleted from the ICR within three months and eight days from the end of the agreement.

In the event of default, however, the following retention periods will apply: 

  • for repayment (regularisation): one year from the date of regularisation;
  • for non-regularisation: ten years from the first date of default.

Data may be kept for longer periods in anonymised form. This is the case when the National Bank of Belgium (NBB) processes data for scientific or statistical purposes or for the performance of other activities pursuant to the Act of 22 February 1998 (on the fundamental organisation of the Bank).


The legislature has entrusted management of the ICR to the National Bank of Belgium (NBB) in its capacity as a neutral third party between lenders and borrowers. The ICR is managed in accordance with a strict statutory framework, with due respect for the privacy of all parties involved.

Steering committee

The legislature has established a steering committee composed of representatives of the following groups:

  • lenders;
  • consumers;
  • the Data Protection Authority;  
  • the FPS Economy;
  • the National Bank of Belgium.

The committee can exercise the following types of powers:

  • advisory powers, such as advising on the organisation and the operating budget of the ICR, and
  • decision-making powers, such as approval of the annual accounts, technical guidelines and agreements on the exchange of information concluded with credit registers in other countries.  

The activity of the steering committee is governed by the royal decree of 29 October 2001