To avoid bad business decisions, cooperate with the financially reliable companies, sell the products and services to the trustworthy clients, we encourage the use the products offered by BIK to Entrepreneurs. Each Entrepreneur should regularly monitor his suppliers, recipients and competitors. This may safeguard him against the losses, e.g. as a result of loss of receivables or money spent on prepayments for the materials or goods.
We recommend the use of the BIK4Company and PC Dłużnik [Debtor] reports.

BIK4Company

Biuro Informacji Kredytowej S.A. created an IT platform – the ESOR system offering the BIK4Company products which may be the basis for the building and offering a number of BIK S.A. products and services dedicated for various groups of recipients. The common feature of all the products and services is the ability to assess the risk related to the business contacts with a particular entrepreneur.
Our products may be helpful and useful to various groups of recipients including:

• financial organisations, mainly banks, evaluating the financial standing of their current and future clients in the process of the credit risk assessment,
• government organisations reporting the demand for the economic and financial information pertinent to the companies, including the State Treasury companies - possibility of using during the monitoring process as part of the shareholder supervision,
• business entities interested in obtaining the information about the financial standing of their business partners - possibility of using it in the process of the assessment of the business risk related to the business partners and contacts.

PC Dłużnik

BIK offers the Entrepreneurs the IT solution referred to as the PC Dłużnik [PC Debtor]. It is an application dedicated to small and medium size enterprises supporting the economic information management and consistent with the provisions of the Act on Sharing Economic Information of 14 February 2003. (Journal of Laws no. 50, item, 424 as amended). PC Dłużnik ensures full integrity and mutual exchange of information about the financial obligation with the the Central Debtors Register of InfoMonitor. Submitting the economic information to InfoMonitor BIG consists in the provision of the up-to-date data pertinent to the selected defaulting financial obligation from PC Dłużnik to InfoMonitor BIG. It has to be emphasised that the PC Dłużnik application enables to submit only the information about the liabilities which satisfy the statutory requirements.