Individual Credit Register (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”).

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

Read more


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


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

Consumers: My data in the CICR

Professionals - reporting agents

Lenders are obliged to :

  • consult the ICR before extending a loan (or credit) and
  • notify the ICR upon the conclusion of a loan (or credit) agreement.

Professionals - authorised persons

A limited number of individuals are permitted by law to consult the ICR 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.