Creditsafe
UK firm selling business credit reports and data on 430M+ companies worldwide.
On the record
Checkpoint: Austrian Supreme Administrative Court GDPR ruling on automated credit scoring (KSV1870 case)
The call
Creditsafe's private data and integrations hold its core enterprise business, but AI-native tools and D&B's scale both press on its cheaper, faster-growing edges.
Creditsafe sells business credit reports and payment history data to banks, insurers, and collection agencies by pulling information from thousands of licensed sources and trade records. It has survived three decades competing against much larger Dun & Bradstreet by charging less money and serving smaller customers, and AI tools cannot easily copy its database of 430 million company records built over decades. The real risk is that new AI-powered compliance and credit-checking startups are starting to replace low-end customers, and if that spreads upmarket, Creditsafe's profits could shrink even if the company itself survives.
Why
01
AI pressure: AI-native KYB/compliance tools like Compliancely, agentic AR tools like Rex. AI tools threaten to automate the cheap SMB screening and collections work Creditsafe sells, squeezing its low end first. Could AI do the core job? Only partly.
02
Bigger players: Dun & Bradstreet. D&B has 185 years of data and DUNS lock-in, and could follow Creditsafe downmarket on price if it chooses to. Could a giant copy it? Probably.
03
What protects it. A 430M-company database built from 9,000+ licensed feeds that's expensive and slow for anyone to copy.
What would change this call
Compliancely or similar AI-native KYB entrant announces enterprise customer wins in compliance screening. Would show AI-native entrants are converting Creditsafe's Protect line customers.
Rex or comparable AI collections agent publishes customer growth or funding tied to SMB adoption. Would show AI-native AR tools eroding Creditsafe's Ledger Management base.
D&B or Experian launches a flat-fee international mid-market product within 12 months. Would show incumbents finally undercutting Creditsafe's price positioning.
Rex or comparable AI collections agent publishes customer growth or funding tied to SMB adoption. Would show AI-native AR tools eroding Creditsafe's Ledger Management base.
D&B or Experian launches a flat-fee international mid-market product within 12 months. Would show incumbents finally undercutting Creditsafe's price positioning.
Key numbers
- 430M+ companies covered across 200+ countries
- Group revenue €289M in FY2024
- ~1,700 employees globally
Named risks
- AI-native KYB/compliance entrants erode Creditsafe's compliance-screening revenue segment.
- AI agents commoditize low-end SMB due-diligence lookups, compressing margins since Creditsafe competes on price.
- GDPR/automated-decisioning rulings force changes to core scoring model, referencing a July 2026 Austrian court ruling on a different bureau.
- Conflicting revenue and headcount figures across sources indicate weak visibility into true financial health.
- Equity instrument offered to employees may be phantom stock or bonus scheme rather than real ownership.
Rivals, as read in July 2026
| Rival | Direction | Evidence |
|---|---|---|
| Dun & Bradstreet | contesting | D&B has 500M+ entities and 185-year DUNS lock-in but is slow to move downmarket on price, per undated comparison page |
| Compliancely | gaining on | AI-native KYB/compliance entrant bundling KYC/tax verification, cited as of 2026-01-29 blog post |
| Rex (AI collections agent) | gaining on | Governed AI agent for AR/collections entering Ledger Management's workflow space, tracked 2026-07-20 |
| Experian Business Information Services | contesting | Listed as direct alternative in buyer comparison guides (2026-06-16) |
Questions people ask
- Is Creditsafe profitable?
- Creditsafe is described as a self-funded, privately held company with no external VC/PE funding rounds documented; Latka lists total funding at $0 as of 2025-09-17, and the company has grown via bolt-on acquisitions like Graydon (2022) rather than equity raises, consistent with a profitable operating model.
- Who owns Creditsafe?
- Creditsafe is privately held. A Wikipedia infobox as of 2026-07-21 names Magne Jordanger as owner, though this is a single-source claim. CEO is Cato Syversen, with Simon Mellon as CPO and Brian McGeough as CTO, per Wikipedia's 2026-07-21 entry.
- Could AI replace Creditsafe?
- AI threatens Creditsafe's low-end SMB report-lookup tier, where agentic tools can approximate basic aggregation and scoring, but its 430M+ record proprietary database sourced from 9,000+ licensed feeds and enterprise integrations (Salesforce, SAP, NetSuite) as of 2025 are not easily replicable by AI alone.
- Who is Creditsafe's biggest competitor?
- Dun & Bradstreet is Creditsafe's dominant incumbent rival, a roughly 185-year-old bureau with 500M+ business entities and DUNS-identifier lock-in per a Creditsafe vs D&B comparison page (no date). Creditsafe competes as a lower-cost, faster-implementation alternative in mid-market and international segments.
- How big is Creditsafe's database?
- Creditsafe's proprietary database covers 430+ million companies across 200+ countries, sourced from 9,000+ licensed data feeds, per Wikipedia (2026-02-05) and a ZoomInfo-hosted review page. This scale underpins its credit scoring, KYC, and compliance screening products.
- What does Creditsafe cost?
- Pricing is custom-quoted with no published rate card. Vendr benchmarks from 2026 suggest small teams pay roughly $200 to $600 per month, while enterprise API and volume deals typically run $15,000 to $75,000 or more per year; a low-cost Shopify app version launched in May 2026 starting at $37.50/month.
Timeline
- 2026-05-24Launched low-cost Shopify app 'Creditsafe: Secure your B2B' priced from $37.50/month
- 2026-01-13RapidRatings launched RiskPulse powered by Creditsafe data covering 400M+ suppliers
- 2025-07-02Won BlackLine's 2025 Nucleus Research ROI Award for 234% ROI, 12.4-month payback
- 2025Named Leader in credit and collections by G2, with Highest User Adoption honors
- 2025Relocated Cardiff office to Ty Meridian, pledging 300 new finance jobs
- 2024-09Expanded tech hub in Hyderabad, India
- 2024-04Opened new office in Vienna, Austria
- 2024-01-11Announced acquisition of Editus Luxembourg's Business Information division, effective 2023-12-31
- 2022Acquired Graydon Holding N.V. from credit insurer Atradius
- 1997Founded in Oslo, Norway, originally as Safecredit Limited
Revision history
21 July 2026
First assessed. Hard to displace. The text above is fixed as of this date and is not edited afterwards.
In the same band
Sources
- The Global Business Intelligence Experts (2025-07-16)
- Creditsafe Group (2026-02-05)
- Products, Competitors, Financials, Employees, Headquarters Locations (2025-06-01)
- Features, Pricing & ZoomInfo
- Creditsafe Revenue, Valuation & Funding History (2025) (2025-09-17)
- Creditsafe Revenue, Funding & Valuation
- Creditsafe - Headcount, Funding & Open Jobs (2026-06-26)
- Creditsafe Number of Employees 2026 (2026-06-29)
- Creditsafe acquires Graydon from Atradius (2024-10-31)
- RapidRatings Launches RiskPulse Powered by Creditsafe (2026-01-13)
- BlackLine press release (2025-07-02)
- Creditsafe: Secure your B2B (2026-05-24)