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b.ONE: National B2B Creditworthiness Rating

Are you wondering how you can become even more successful? Would you like to know quickly and reliably whether you are dealing with creditworthy business partners? Are good business deals important to you? Secure a competitive edge now by making sound decisions for sustainable success. With reliable information on the identification and creditworthiness of your business partners, you can secure the liquidity of your company for the long term.

CRIF’s B2B products provide you with reliable data on more than 4 million German companies. With products tailored to your requirements and risks, you can better assess your credit risks and make well-founded credit decisions for your company in a timely manner.

With CRIF’s b.ONE web portal, you receive all risk-relevant information on your business partners at any time and very simply with the click of a mouse or via an interface.

Key benefits

  • Corporate identification and risk assessment
  • Checking and monitoring companies’ creditworthiness and solvency
  • Well-founded credit decisions
  • Monitoring automatically notifies you of changes relating to your business partners for already retrieved credit enquiries
  • Research to check and update information elements


Information for your success

Which product from our portfolio is right for you depends entirely on your information needs and the risk level of your business model. We offer a wide range of products covering all requirements.

Company Full Report GwG

The Company Full Report GwG is our premium product and is aimed at companies that are subject to the provisions of the German Anti-Money Laundering Act (Geldwäschegesetz or GwG). The focus is on identifying the beneficial owner(s) according to the AMLA. This makes it the first full information product of its kind on the German information brokerage market that supports the fulfilment of one of the core obligations under the AMLA and at the same time allows for a well-founded creditworthiness rating.

Company Full Report

The Company Full Report provides detailed background information on your German business partners to make your business more secure and predictable. In addition to the information most valued by our clients, the creditworthiness index and the maximum credit recommendation, the full report exclusively contains the balance sheet grade. The areas of application of the full report are manifold. Thanks to the detailed presentation of balance sheet information in a two-year comparison showing changes, the full report also forms a reliable basis for an in-depth balance sheet analysis of a company. Key balance sheet ratios for analysis are the equity ratio, the return on assets and a liquidity ratio. This information is presented clearly and comprehensibly with the help of graphics.

Credit Report

Compared to the more detailed Company Full Report, the Credit Report concentrates on basic data and facts about a company for the assessment of credit decisions for medium to high risks.

BoniCheck Compact

For medium business risk, we support your credit decision with condensed information about your business partners. You receive key information on the requested company, for example on negative events, as well as an overview of the financial position and business figures.


For smaller risks, the FinanceCheck keeps you well informed about the creditworthiness of your customers. We provide you with decision-relevant information such as payment history and any negative events at a glance. The FinanceCheck also includes a maximum credit recommendation.

GwG Report

The GwG Report (Anti-Money Laundering Report) enables companies to identify the beneficial owner(s) of their national contractual partners. Determining the natural person(s) behind a business relationship (in technical jargon the ultimate beneficial owner(s)) is a key factor in the fight against money laundering. Together with the legal form and the data contained in the commercial and transparency registers, this makes up the content of the GwG Report.

Optional services


CRIF’s optional Monitoring service automatically notifies you for a period of 12 months of changes relating to your business partners for already retrieved credit enquiries (excluding GwG Report).

Monitoring Plus

CRIF’s Monitoring Plus service lets you keep track permanently of detailed changes at element level for already retrieved credit enquiries (excluding GwG Report).

Learn more here about national customer portfolio monitoring.


An optional search service offers the possibility to check the information elements. The scope of the search is determined by the type of information selected.

Our sources: your guarantee for up-to-date and valid credit information

Our mission: to provide meaningful, up-to-date information available any place any time as a comprehensive basis for your business decisions. To ensure the high quality of the data, CRIF combines information from a variety of data sources.

CRIF’s search service draws on a variety of sources:

  • Payment histories from the Deutscher Debitoren Monitor (German Debtors’ Monitor), reported by companies from different industries
  • Exclusive debt collection data from the CRIF Group and other leading German debt collection companies
  • Public registers and directories (e.g. debtors’ register)
  • Annual reports/balance sheets
  • Search interviews, print and online media


Would you like to find out more about b.ONE? Click here for more information.

Fill out the contact form to receive more information about the product. We will get back to you as soon as possible.

For further information about our services you can contact us via our online contact form. As a result of your registration, your details will be stored in our Customer Relationship Management System ("CRM System") and forwarded internally for further processing. The personal data that you provide us with in the context of this contact request will only be used to answer your enquiry or contact you and for the associated technical administration.

The legal basis for data processing here is Article 6 paragraph 1 sentence 1 lit. a DSGVO (consent) or Article 6 paragraph 1S. 1 lit. b DSGVO (implementation of pre-contractual measures). Requests are deleted after two years at the latest. Statutory retention periods shall be observed accordingly.

Here you will find the data protection privacy statement of CRIF GmbH.