Kreedix
We manage credit and collect debts. We contact debtors, help reach payment agreements and monitor their fulfilment.
Credit management serviceKreedix / Credit management since 2004
Cash must
flow.
Credit management and debt collection. We help you keep invoices under control and reach payment or a workable payment agreement.
€ 0
The client pays €0 for out-of-court business debt collection in the usual case. Collection costs are generally paid by the debtor. See pricing for the client-fee exception.
See pricing and billing terms
- Company experience
- 23 years
- Industry experience
- Nearly 30 years
- Payment agreements backed by a joint and several surety
- 98%
Services for creditors
From one invoice
to an entire portfolio.
01 / Kreedix + Inforegister
Debt collection
From an unpaid invoice to a workable solution.
Explore the service ↗ 02 / Kreedix + InforegisterPayment-default publication
Make an eligible company default visible in business background information.
Explore the service ↗ 03 / CreditorsCourt debt collection
Protect your claim in court when an agreement is not enough.
Explore the service ↗ 04 / CreditorsEnforcement proceedings
Move from an enforceable decision towards payment.
Explore the service ↗ 05 / CreditorsBankruptcy, restructuring and liquidation
Protect your claim when the debtor is in financial difficulty.
Explore the service ↗ 06 / CreditorsInternational debt collection
A debtor abroad. A clear plan from Estonia.
Explore the service ↗ 07 / CreditorsCredit management and prevention
Keep invoices and incoming payments under control.
Explore the service ↗ 08 / CreditorsDebt and portfolio purchase
Transfer a claim and free up your company's time.
Explore the service ↗How the process works
What happens after
you submit a claim?
Submit the claim.
Add the claim details and supporting documents. Claims against companies can be submitted online, including several invoices.
We clarify the situation.
We check the facts of the claim and contact the debtor. The debtor can pay or file an objection.
We seek an agreement.
If immediate payment is not possible, we help reach a payment agreement or an affordable payment schedule.
We monitor fulfilment.
The goal is a fulfilled agreement and money received. Further steps depend on the claim and the terms.
Working together to resolve debts
Kreedix, Inforegister
and EVUL.
Three partners working closely together to combine company background information, day-to-day credit management and support for creditors.
Inforegister
Company background information and monitoring help identify payment risks earlier. Inforegister also provides tools for publishing payment defaults and signing payment agreements.
Explore InforegisterEVUL
Founded by Inforegister, the Estonian Creditors Union connects and supports creditors and issues the “Trusted Partner” trust mark.
About EVULFor Kreedix credit management clients
EVUL membership and the “Trusted Partner” trust mark.
Free.
Membership and the trust mark are included in the credit management service at no extra charge.
To receive the trust mark, a company must meet EVUL's eligibility criteria.
Inforegister's reach.
Company backgrounds that people actually look up.
- Visits per month
- 1.1M
- Searches per month
- 3.5M
- Registered users in total
- 200,000
A company's payment default is not shown in our public view while the signed agreement is being fulfilled.
If you sign an agreement before publication and fulfil it in full, the claim stays out of our register's public view.
A claim can be checked and disputed. Disclosure of a private person's data is subject to separate terms and requires a legal basis.
Resolving a debt
Received a claim?
Review the claim, ask for an explanation or find a payment plan that works for you. If you think the claim is wrong, you can file an objection.
When does the creditor pay?
Out-of-court collection of a business debt normally costs the client €0 when the debtor pays recoverable collection costs. The limited client-fee exceptions, withdrawal fee and success fee on collected interest invoices are explained in the price list and service terms.
What collection costs can a consumer debtor be charged?
Under § 113², up to €5 for one paid reminder per obligation due while the contract is in force, after at least one free reminder. After the contract ends, the total cap per consumer contract is up to €30, €40 or €50 depending on the claim amount. Letter fees and intervals of at least 7 days are also regulated. The cap is not an automatic charge and does not restart when a claim goes to a collector. See the table and full conditions.
Do you also handle debts of private individuals?
Yes. Claims against companies can be submitted using the online form. For the terms and how to submit a claim against a private person, write to info@kreedix.ee. Disclosure of a private person's data is subject to separate rules and requires a legal basis.
Can I submit several invoices at once?
Yes, when submitting a claim you can add invoices and documents that support the claim. To agree on the format and terms for a larger file of claims, contact us.
What happens to a payment default when a payment schedule is agreed?
For a claim against a company, the payment default is not shown in our public view while the signed agreement is being fulfilled. If the agreement is signed before publication and fulfilled in full, the claim stays out of our register's public view. This is not a promise about information held in other registers.
What if I disagree with a claim?
Contact us and explain which claim or amount you disagree with. You can request the underlying documents and file an objection. The existence of the claim, its amount and the conditions for publishing the data need to be checked separately. File an objection by email.
Is payment guaranteed?
No. The aim is to reach payment or an agreement that can be fulfilled, but the outcome depends on the circumstances of the claim, the evidence and the debtor's ability to pay. Options for court or international proceedings are assessed separately.
Submitting a claim