All reports and data to verify the reliability of private and legal entities
With Risk you access various databases such as Internal Revenue Service, Registry Office CCIAA, CRIF, Experian
Depending on the type of service and selected endpoint, you can obtain individual data (such as phone numbers or negative information) or reports with dozens of information verified by dedicated professionals.
The available reports and documents for individuals are:
- Individual Report
- Individual Top Report
- Asset Report
- Asset Top Report
- Heirs Report (with or without inheritance acceptance)
- CRIF Individual Report
The available reports and documents for companies are:
- Company Report
- Company Top Report
- CRIF Company Report
Services with data:
- Personal and company information with residence or registered office
- Negative information (for both companies and individuals)
- Phone numbers (for both companies and individuals)
- Credit Score start, advanced, and top (for companies only)
For Person Reports (Report Person, Asset Person, Asset Person Top) the following data must be passed in the body of the request:
- First name (name)
- Surname
- TaxCode
Optional parameters for customising the report are: "logoPdf", "titlePdf", "textPdf".
For Company Reports (Company Report and Top Company Report) the following data must be passed in the body of the request:
- Company Name (companyName)
- Tax Code (taxCode)
VAT number (vatCode) and the values for customising the report are optional: "logoPdf", "titlePdf", "textPdf".
For Heir reports (with or without acceptance) the following data must be passed in the body of the request:
- First name (name)
- Surname (surname)
- TaxCode
Optional parameters for customising the report are: "logoPdf", "titlePdf", "textPdf".
To request the CRIF (Financial Risk Centre) Company Registration Report for a Person you must send in the body of the request:
- Name and Surname
- Date and place of birth
- Place of residence
- Tax code
- Document type and data
- Copy of valid identity document in PDF
- Copy of valid health card in PDF format
To request the CRIF (Financial Risk Centre) Company Registration Report for a Company you must send in the body of the request:
- Company Name
- Legal form
- Tax Code
- VAT number
- PEC (Certified email address)
- Head office
- Name, date and place of birth and residence of valid legal representative in PDF
- Copy of valid PDF document and health card of legal representative
- Chamber of Commerce certificate updated not later than 6 months
To make a request to the credit scoring services, one of the following parameters is required:
- Tax Code
- VAT Number
- Company Identification Code
The numbering service is obtained by means of authorised TULPS providers who use call centres and public directory enquiries, addresses left to the customer with authorisation for external use.
It should be noted that this service can only be requested against a legally relevant right (any subjective position such as to configure an instrumental relationship between that interest and the documentation whose disclosure is requested).
By its nature, the service may also give a null response (e.g. no data in public or publicly accessible databases), the service also entails a cost in this case.
The customer, at the time of the request, declares that he/she has a relevant right (e.g. credit recovery), in the event of a false declaration, please note that the request is communicated quarterly to the Prefecture offices with the related consequences of false declarations.
Reports can be requested in PDF or JSON format.
Yes, it is possible to customise all reports with the exception of the CRIF (Financial Risk Centre) Company Registration Reports (for Person and Company).
In particular, you can customise:
- Title
- Logo
- Description
Customisation can be indicated when requesting the report using either the following parameters: "logoPdf", "titlePdf", "textPdf".
If they are not indicated, the default values will be used.
The request parameter is identical for all three services and can be one of the following: Tax Code, VAT Number, or Company Identification Code.
The information in the response, however, is predominantly different.
The following information is present in the response of all three services and represents the dataset available in the credit score start:
- Organization Name (organization_name)
- Request Date (requested_at)
- VAT Number (vat)
- Tax Code (tax)
- Request ID (id)
- Company ID (company_id)
- Request Timestamp (time_stamp)
- Risk Score (risk_score)
The information for the risk score is different: for the start, it is limited to only 3 values, while for advanced and top, it is 7.
The credit score advanced, in addition to the previous data, also offers:
- Risk Score Description (risk_score_description)
- Maximum Credit Amount Receivable from a Financial Institution (operational_credit_limit)
- Risk Severity (risk_severity)
- Risk Rating
The credit score top is enriched with the following information:
- Maximum Credit Amount Receivable from a Financial Institution (operational_credit_limit) divided for the last 12 months
- Public Rating (public_rating) divided for the last 12 months
- Year of the Last Submitted Financial Statement
- Evaluations, Descriptions, and Trends of the Company from an Economic, Asset, and Financial Perspective in a Summary
- Analysis of Individual Indices of the Economic, Asset, and Financial Profiles in a Summary
The number of colors that identify the risk index depends on the Credit Scoring service used.
For the Credit Score Start service, there are 3:
- Green
- Yellow
- Red
For the Credit Score Advanced and Top services, there are 7:
- Dark Green
- Light Green
- Green
- Yellow
- Red
- Bright Red
- Dark Red
In some cases, such as for ceased businesses, the color gray may be returned, indicating non-available (NA) cases.
There is not always a direct correspondence between the risk score index and the risk description. In some cases, for example, the response might include "absence of negative events" or "presence of negative events," which do not correspond to the risk score and indicate risks processed in the absence of financial statement data.
Credit Score's algorithms are developed in a proprietary way by us and our partners and providers on the basis of available official data and thanks to the experience gained by a team of analysts from the banking world and the market's leading business information companies.
In particular, the valuation of capital companies is based on a statistical model using a two-level discriminant function of banking origin.
The results obtained (in the advanced service) are compared on a sample basis with competitor scores for greater confidence and the accuracy is almost total (we give 98.9% homogeneous result).
In the Usage section, at the API level, you can monitor your free and subscription or top-up requests. They are available both graphically (period month and year) and with a textual summary.
Data and reports are taken from official and certified sources and public databases such as Registry Office, Chamber of Commerce, Revenue Agency, CRIF (Financial Risk Centre), Experian.
Only for certain services that are subject to the TULPS and its license (Article 6 of the TULPS license) is there a requirement for identification by means of an ID card of the person or company requesting the service.
The processing time for reports depends on the type:
- Report Persona Real Time: a few minutes
- Report Persona Top: 10 days
- Asset Report Person: 10 days
- Asset Report Top Person: 10-12 days
- Heirs Report: 12 days
- Company Report: 10 minutes
- Top Company Report: 10 days
- CRIF (Financial Risk Centre) Person - Company Registration Report: 20 days
- Risk RealTime (Anagrafica, Telefoni, Negatività): pochi secondi
The reports are asynchronous so we suggest setting up the callback at the request stage.
If the callback has not been set, the endpoint with the GET method specific to that endpoint must be used to check if a report is available for download. For example, for Report Asset Person a request must be made to GET /IT-patrimoniale-persona/{id}; the id is available in the response to the document request.
Each report has a different cost. All prices are available in the Pricing section.