The National Debt Register is one of the Economic Information Bureaus operating in our country. Its purpose is to collect and provide information on customers who have delays in paying their financial obligations. In the article, we answer the most frequently asked questions about the National Debt Register.

Was established on August 4, 2003 and operates on the basis of the Act on the provision of economic information and the exchange of economic data. Serves all business entities – from one-man companies, through small and medium-sized enterprises to large corporations.

Who can be included on the “black list” in the KRD?

A person who is in arrears with payment for at least 60 days can be blacklisted.
The amount of debt must be at least:

  • USD 200 for a private person
  • USD 500 for a company.

Before entering a debtor on the blacklist, the National Debt Register sends him a payment request. Importantly, the document will be sent at the debtor’s expense. The creditor will not incur any costs in this respect.
If the payment is not settled, the data can be entered into the database.
Thanks to this, the debtor loses financial credibility and you significantly increase your chances of getting money back.
By. information provided by the KRD, the efficiency of debt recovery within 3 months of the client submitting the order is as much as 72 percent.

Can you check the status of a potential counterparty in the National Debt Register?

Of course. As a business owner who plans to sign a commercial contract or conclude a contract, you should do so for the sake of your interests.
By checking the KRD registers you will find out whether the client with whom you plan to start cooperation has been entered on the list of debtors.
If his data is in the KRD, you will be able to cancel the transaction, change the terms of the contract, demand payment in advance or secure your interests in any other way.

Can you check your status in the National Debt Register?


Yes. To do this, set up a customer panel at You will be able to generate a report on your own subject once every 6 months for free.
You can also monitor your company in KRD. Monitoring will allow you to find out who was looking for information about your company or added to the KRD.
If you hit the debtors base, you’ll be able to react as quickly as possible, thus avoiding long-term, extremely unpleasant consequences.

Do banks and loan companies check the National Debt Register?

Checking the registers of the National Debt Register is one of the first steps banks take when verifying an application for a loan. If your data is blacklisted, it is very likely that the bank will refuse you funding.

Loan companies look less favorably at clients. Entry in the debtors database may or may not result in a negative decision. If your details have been entered into the National Debt Register, look for a company that does not check this particular database. How to do it? Take a look at our article