Do you need help with consumer credit scoring?

Are you a business owner, accountant, financial advisor or otherwise provide credit to private individuals? With our service, you can access up-to-date credit information on private customers that you can use to perform a credit assessment yourself.

What does a credit report on B2C customers contain?

Get credit information for credit scoring your private customers

Download detailed reports on all your credit checks

Each time you perform a credit check with Qatchr, you can easily compile all credit information into a clear and concise report.

The report is perfect for documentation, archiving, or sharing with credit managers and partners. This way, you always get a clear and professional overview that supports your credit decisions – exactly when you need it.

Our services

Qatchr - developed by Collectia

Qatchr gives you quick access to relevant and valid credit information so you can make your own credit assessment of private customers and businesses.

Behind Qatchr is Collectia A/S, a technology-driven company with many years of experience in debt collection and handling bad payers - experience that benefits you directly.

As part of Collectia, Qatchr has access to comprehensive debt collection data and 10 other data registers that give you an up-to-date and accurate overview of your customers.

Frequently asked questions

Who is Qatchr?

Qatchr by Collectia is a credit information agency approved by the Danish Data Protection Agency that helps companies protect themselves from financial risk and unsafe business partners. We offer credit reports, data washing and continuous monitoring so you can always make informed and safe decisions.

Qatchr integrates with over 10 central data repositories and gives you an accurate overview of both private customers and businesses. We ensure that your business doesn't let in bad relationships, including bankrupts, customers with bad finances and people who provide false information.

Our solution combines Collectia's deep experience in debt collection and debt management with advanced credit information, providing Denmark's most nuanced insight into credit risks. With Qatchr, you get a solid data foundation that protects your business from financial risks and ensures safe collaborations.

How is Qatchr different from the competition?

Qatchr stands out from other solutions on the market that focus on consumer and business credit information. Here are our strongest advantages:

Data on individuals and businesses
Many solutions only focus on businesses. Qatchr gives you access to credit information on both individuals and businesses, so you get a complete picture of your customers.
Largest data base in the market
We integrate with over 10 official registers and have access to data on 1.1 million unique debtors - no other solution matches our depth.
Most affordable solution
Qatchr is the cheapest solution on the market without compromising on quality, data coverage or reliability.
Long-term insight into debt history
Where traditional debt registers automatically delete information after 5 years - regardless of whether the debt has been paid - Qatchr preserves the history through debt collection data from Collectia, including the Debtor List.

With Qatchr, you get a solution that combines depth, validity and affordability, while allowing you to make more informed decisions when rating private customers or businesses.

What data is Qatchr based on?

Qatchr is built on one of Denmark's most comprehensive and reliable data bases that combines:

This composition ensures that Qatchr delivers the market's most in-depth and up-to-date insights into both businesses and individuals in Denmark.

For credit reports with debt collection data on private individuals, consent is required via MyID, which is typically obtained in your online purchase or quote process. The report provides a snapshot of the customer's financial situation based on payment behavior. Data from the credit report may not be stored for future credit approvals. A new consent must always be obtained from your customer in accordance with GDPR.

Please note that access to debt collection data is restricted and not all companies are eligible. It requires a documented compliance setup that ensures proper and legal handling of sensitive data.

Why do you need to credit score private individuals?

As a merchant offering invoice payment with a fixed payment deadline, you extend credit to your customers - and credit always involves some form of financial risk. That's why it's important to assess private individuals and perform a thorough credit check.

Every year, many businesses miss out on significant amounts of money due to bad payers, bankruptcy and insolvency. A large number of Danes have payment problems ranging from forgotten invoices to deliberate non-payment.

By using credit information on private customers, you can:

Get a clear overview of your customers and potential risks
Minimize losses and protect company liquidity
Make more informed decisions when extending credit

While a consumer credit check can never provide a 100% guarantee, it significantly reduces risk and gives you a professional overview of who you should do business with - and who you might want to avoid.

Get an overview and reduce risk - credit rate your private customers with valid and updated information

Partners

Data you can trust

When assessing consumer credit, it's crucial to have access to up-to-date and valid information. Qatchr pulls data from a number of central registries to give you an accurate overview of individuals' finances and background.

Key data sources include:

Qatchr's credit report quickly provides you with an archivable financial overview – ready for analysis, sharing, and storage.

Blacklisting - Keep track of unwanted customers

Have you experienced private customers with payment problems or debt collection cases?

With Qatchr's blacklisting feature, you can ensure they don't become part of your future customer relationships.

The feature works both on a one-off basis and through continuous monitoring - so you always have peace of mind and control in your customer management.