Business Information & Credit Risk Services

ICAP products and services can help you turn information into insight to develop conclusive, fact-based strategies that will help you gain a competitive edge and transform your enterprise into a nimble, customer-focused, more profitable business.


ICAP is one of the very few companies in Europe, approved as “Credit Rating Agency” by the European Securities and Markets Authority. This is a very significant recognition of the methodology we use to rate the strength of the companies and their ability to meet their financial obligations. Within the scope of our core business and through the certified Rating and Scoring, we support making credit decisions for over 1 million business transactions per year.

ICAP’s Credit Risk Services supply integrated and updated commercial and financial data driven from ICAP DATABANK, the largest business database in Southeastern Europe, which includes 3 million companies in 4 countries (Greece, Bulgaria, Romania & Cyprus).

The most reliable source of Business Information

The Business Reports of ICAP are reliable source of information and can help you form an opinion regarding the operation, profitability and stability of a given firm. They are specially designed to provide all the information you may need to reach partnership decisions, since they offer detailed data on the subject company’s commercial activity, premises, management and holdings in affiliated businesses, financial indicators and payment history as well as the proprietary ICAP Score* and proposed credit limit.

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*ICAP Score expresses an estimation of a company’s credit quality with respect to the probability of default and/or bankruptcy within a one – year time horizon. This estimation is based on an analysis of commercial, financial and trading data derived from public sources.

Business Reports for Cypriot, Greek, Bulgarian and Romanian companies are available through subscription-based access to the online platform


Our wide variety of Business Reports help companies and lenders detect potential commercial and credit risk and better manage risk in commercial transactions and throughout the customer lifecycle.

Make informed decisions for your business transactions abroad

Though ICAP’s exclusive representation of Dun&Bradstreet, the world’s leading provider of business information, you can gain access to instant information on 300 million companies in more than 190 countries.

A wide range of products and services, delivered through cutting-edge online platforms, enable you to reach the right kind of information to make informed decisions for your business abroad.

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Country Risk Report

The Country Risk Reports provide critical information to companies aiming for expansion into certain foreign countries by analyzing the current commercial, economic, political, investment environment and considering the risk involved in doing business in them.


International Business Reports

The International Business Reports provide a complete picture of the financial situation of each investigated business entity, as well as assessment of the creditworthiness and the potential risk associated with the transactions with this entity. You can choose between different types of Business Reports depending on the type and extensiveness of the information that you require.

Additionally, you can monitor the activity of companies in Western European countries and receive alerts about changes in the profile and the company’s operations, its creditworthiness, financial situation and business development.

The new era of 360 risk intelligence

Meet the challenges of Credit Risk Management, the estimation of bad debt and the projected cash flow plans. The Credit.Eye application combines 3 main sources of information in order to provide a complete 360° view of each customer.

  • Internal Analysis
    With data from the company’s ERP, analyzing invoices and calculating Internal Risk Index & Internal Payment Performance.
  • External Analysis
    With data derived from ICAP Databank, providing the ICAP Score and ICAP Credit Limit.
  • Qualitative Analysis
    With internal Qualitative Score derived from qualitative insight from inside your organization.

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Credit.Eye presents the aggregated picture of the companies you are cooperating with, while evaluating their risk

  • Evaluation of each company with data from the ERP (invoices)
  • Evaluation of each company based on business information data derived from ICAP*
  • Evaluation of each company based on internal, qualitative data
  • Credit Policy – On-going monitoring – Notifications (Credit Watch) per company
  • Profitability and Payment Pattern per company
  • Historical data and trends per company


Credit.Eye offers multiple benefits to a business:

  • A comprehensive business intelligence system
  • Save time from searching and analyzing financial data of current
  • and potential customers from various market sources
  • Create a complete creditworthiness profile for each customer
  • Easily define and fine-tune the credit policy per customer
  • Quick view of each customer’s payment pattern and profitability
  • Estimation of possible uncollected amounts per customer
  • Estimation of total possible “bad debt”
  • Cash flow expectations and uncollected receivables schedule

Continuous monitoring of sectors in the Greek economy

Today’s fast-moving market and competitive environment makes it imperative for companies to know where they stand in relation to competition, as well as the dynamics and opportunities of their sector.

ICAP’s Sector Studies with enriched content, comprise an in-depth analysis of the structure, developments and prospects of the various sectors of the Greek economy:

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  • They portray the profiles of the most important sector companies along with an appraisal of their market shares
  • They present the total market size
  • They examine the factors which affect the demand
  • They analyze the financial data of the concerned companies and sectors
  • They define the competitive environment and examine the problems and prospects for each sector based on the Porter 5 forces
  • They analyze the weaknesses, strengths, opportunities and threats (SWOT analysis)
  • They provide an Excel application software without charge for the comparison of the basic financing indicators of a company related to that of the sector’s (benchmarking)

Each year, ICAP plans and carries out more than 65 Sector Studies in order to support and boost the activity of companies.

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