1. Logging on, start page, and choosing the service
2. Services, Finland
2.1. Search of data
2.2. Company information
2.2.1. Company basics
2.2.2. Company information (Risk Indicator, corporate radar, bankruptcy indicator, collection indicator, persons in charge, backgrounds of persons in charge, shareholders, other names, profit and loss account, balance sheet, ratios, payment defaults, payments indicator, business mortgages, group companies, decision makers, branch offices)
2.3. Rating Alfa
2.4. ESG Report
2.5. Trade Register data
2.6. Contractor Liability Report
2.7. Instant Credit Decision
2.8. Consumer credit information
2.9. Consumer’s credit information classification
2.10. Population information
2.11. Person’s participation in companies
2.12. Monitoring
3. International
3.1 International Company Reports
3.2 Entering a search factor
3.3 Invoicing of international reports
3.4 Invoicing of international reports
3.5 European Business Register EBR
3.6 International Monitoring
3.7 Order a company report, when an International report is not available
3.8 International company information
4. Company Filter
5. Account Insight
6. Industry risk
7. Ordered selections
8. Monitoring
9. Property and apartment information services
10. PEP and Sanction Lists
11. Saving the default selection
12. Printing and saving
13. Customer service

• You can access Asiakastieto’s service for contractual clients at https://www.asiakastieto.fi/from the logon screen.
• Enter the first six characters of your user identifier (for example 123456) to the first field, and the second part of the identifier to the next field.
• Enter the password and click "Logon"

• transfer to the desired service
• transfer to update your own information
• view the price list or instructions and to give feedback

• Trade Register
• Foundation Register
• VAT register
• Prepayment Register
• Employer Register and/or
• Client Register of the Tax Administration, and
• companies and corporations that have filed a start-up notification, but have not yet been entered in the registers mentioned above.

1. enter the search criterion
2. choose the service
3. press "Get" or enter

• If you search data by the company’s name, choose first the correct company from the company list.
• If you search participation in companies, you get a listing of proposed matches (price of a list page.
• If you search consumer credit information by the person’s name, choose first the correct person from the list of persons.

• to choose the official Trade Register documents
• to group companies when the company is part of a group
• to the basics of merged or divided companies.

• companies that are not entered in the Trade Register
• banks or insurance companies
• dissolved or merged companies, or companies with a division or separation decision
• companies that have filed a bankruptcy petition and/or that have been adjudicated bankrupt

• Payment defaults and payments with industry data
• Corporate links of persons in charge
• Financial statement and key ratios
• Shareholders
• Business mortgages
• Group information
• Branch offices
• Inquiry Statistics
• Court rulings and penalty payments
• Rating history

• Extract from the Trade Register: the company’s valid Trade Register data
• Articles of Association or partnership agreement: valid articles of association, partnership agreements, and by-laws
• In progress data: information on notifications concerning the company that are being processed in the Trade Register
• Financial statements data: financial statements documents of max. 6 newest financial periods
• Extract from the Register of Associations: valid data from the Register of Assocations
• Register of Foundation data: valid Register of Foundation extract and Foundation rules

• Company’s basic data
• Persons in charge and auditors
• Authorised signatories and text concerning authorised signatures
• Bans on business operations of persons in charge

• Tax payment data
• Pension insurance data
• Collective agreements to be observed
• Industrial accident insurance data
• Liability insurance data

• All registry entries required by the Contractor Liability Act are valid and
• Persons in charge have no bans on business operations

• The registry entries are incomplete and
• Persons in charge have no bans on business operations

• Persons in charge have bans on business operations
• The company is dissolved

1. a statement as to whether the company has been entered in the Prepayment Register and the Employer Register in accordance with the Prepayment Act (1118/1996) and in the VAT register in accordance with the Value Added Tax Act (1501/1993);
2. an extract from the Trade Register or information corresponding to the extract otherwise obtained from the Trade Register;
3. a statement that the company does not have a tax liability referred to in section 20b (1) (2) of the Act on the Public Disclosure and Confidentiality of Tax Information (1346/1999) or a statement issued by an authority on the amount of the tax liability;
4. certificates on the taking out of employees’ pension insurance policies and the payment of pension insurance contributions or a statement that a payment agreement concerning overdue pension insurance contributions has been entered into;
5. a statement of the collective agreement or key working conditions applicable to the work;
6. a report on the organization of occupational health care.

• The company’s risk classification indicates high or very high risk
• The company has been dissolved, it is bankrupt or in liquidation
• The company’s operation has been interrupted, discontinued or terminated according to the Business Information System
• The company has bankruptcy, company restructuring or lack of means entries
• The company has been removed from the Prepayment Register
• All the persons in charge in the company have resigned
• The company’s registration is in progress at the Trade Register

• The company’s creditworthiness classification indicates moderate risk, or
• The company has payment defaults and its risk is moderate according to the classification.

• When the search criterion is the identity number, the service provides you with the reply directly. You don’t need to enter the person’s name at all.
• When the search criterion is the person’s name (last name first name), the service provides you with a name list, from which the correct person is chosen. From the list you can also transfer to the person’s participation in companies.
• When you use person’s identity number and name as the search criterion, the reply of a person with no payment defaults is always provided on the basis of the identity number. In this case, the correct spelling of the name is not relevant.

• If the person has no credit information entries in the register, the following reply will be returned: "No payment defaults are found in our register for the given search argument".
• In connection of a payment default entry there is a Ref link, if the debt has been settled after the payment default entry.

• the person’s participation in companies
• the person’s Population information, if you have access to the service
• the person’s payment default classification, if you have access to the service

• When personal identity number is used as search criterion, the service gives a direct response.
• When name is used as search criterion (last name first name), the services gives returns a list of names, of which the correct person is selected.

• MHL0 = No payment defaults or other credit information entries
• MHL1 = Only a credit information entry or entries that are not payment defaults
• MHL2 = A payment default or payment defaults with slight significance
• MHL3 = A payment default or payment defaults<
• MHL4 = A serious payment default or payment defaults

• the person’s participation in companies
• the person’s population information, if the service is accessible to you

• Only the identity number can be used as the search criterion

• "The person is not found": the identity number is not registered in the Population Information System.
• "The personal identity number has been passivated": the identity number that has been in use has been passivated, and a new identity number has been given to the person.

• Only the name of a person can be used as the search criterion (last name first name)

• the consumer credit information, if you have access to the service
• the company basics

• basic information (company’s name, address, ID, contact information, date of establishment, company form, branch of industry, share capital, number of shares)
• activity
• history information (name, address, company form, share capital)
• creditworthiness rating (points 0 - 100)
• one-off credit recommendation in the currency of the country in question
• credit risk assessment
• financial information and financial key ratios (e.g. profitability, development of business operations, order portfolio)
• financial statements and key ratio information in accordance with the country practice, e.g. from Germany often on estimated annual turnover.
• payments and possible payment defaults
• company’s persons in charge and owners
• possible old names
• group connections
• authorised signatures
• audit clause
• auditors
• administrator of the bankrupt’s estate, liquidator

• Choose the country from the pull-down menu
• We recommend searching companies with the foreign company’s name
• Use as few search factors as possible
• The letter size is not significant
• If you use company ID as search factor, other search factors cannot be used
• If you use company name as search factor, use only part of the name and leave out the company form
• Consumer reports are most easily found with identity number
• Country-specific instructions are given in the table below

• Rating change
• Status change
• Changes in negative information (payment defaults)

• company name and contact information
• registration number
• the time of entry in the trade register
• branch of industry
• persons in charge
• shareholders
• financial statements
• risk rating
• payment defaults
• international group information)

• The lender logs in to the Account Insight service and types in the borrower’s contact info (name, email). The lender chooses the service, Account Insight (account transactions) or Account Selection (account data) and, by clicking the envelope icon, emails the borrower a one-off link to a login page. The link is valid for four hours.
• The lender clicks the link and logs in to an API service using the credentials submitted by their bank. In the service the borrower chooses the account they want to grant the access to and accepts and ends the session.
• The lender can see on the Account Insight landing page the contact they added. Once the contact status has been updated with "Information Received", the borrower’s account information is at the lender’s disposal.
• By clicking the three dots to the right of the contact name the lender will have access to the account transactions either as consolidated or as a list from the past 12 months.

• TOL code and explanation text of the selected line of business.
• Number of companies in the line of business and for how many companies financial statements are available.
• Turnover distribution in the line

• Shown for 4 years if there are enough observations to enable the presentation of key ratios of the line of business.
• There are 17 key ratios in total, divided into key ratios for volume, profitability, liquidity, solvency, and working capital.
• Calculation formulas for and instructions for the interpretation of key ratios are found at: https://www.asiakastieto.fi/help/en/ohje_tunnusluvut.htm

• Graphics comprise descriptors for volume, profitability, solvency, and liquidity.
• The descriptors depict all companies.
• Below the images there are shown as a table the median values for all companies, and the upper quartile, median and lower quartile values for the line of business.

• Payment default and bankruptcy risk values in the line of business and of all companies
• More information on the payment default and bankruptcy risk values: https://www.asiakastieto.fi/help/en/ohje_sisalto_kotimaa.htm#tunnusluvut

• Payment delay in the line of business in days (average) is shown in table format and the respective data for all companies.
• Payment delays describe the payment behaviour of companies in the line of business. They contain delays found in the companies’ payment settlements and/or observations of a good payment pattern in accordance with agreements. The information is obtained from ledger data of Asiakastieto’s co-operation partners in different lines of business. Payment behaviour data are kept in the file for 6 months from their registration. The file is updated on a monthly basis.

• Up-to-date rating distribution of the line of business into the rating classes of Risk Indicator, and respective data for all companies.

• changes of name
• payment defaults
• payments data (payment delays and observations on good payment pattern)
• changes in persons in charge
• changes in Risk Indicator
• changes in Rating Alfa rating
• publishing of financial statements
• removed from or re-entered in the Prepayment Register
• business mortgages
• changes in company form
• mergers
• changes of the line of business

• Property data reports provided by Asiakastieto
• Official real property data documents of the National Land Survey of Finland
• Map service search function
• Information on the buildings and companies on the property
• Property purchase prices

• Data on title to property
• Data on charges
• Data on title to property and charges
• Basic information
• Data on leasehold
• Data on leasehold and charges
• Printed map of the property
• Printed topographical map of the property
• Printed map with aerial photo

• Certification of title to property
• Abstract of title
• Land register extract
• Real property register extract on parcel
• Certification of leasehold
• Formation chain forward
• Formation chain backward
• Contact information of the property owners
• The right-of-use unit extracts of the property

• Asiakastieto’s apartment information reports
• Documents from the Residential and Commercial Property Information System
• Information on whether the housing company’s share register is in the Residential and Commercial Property Information System
• Information on whether the apartment has electronic ownership registration
• Trade Register documents: Trade Register extract & articles of association
• Energy certificate information

• choose the service or pieces of information under the basics
• click "Save as default selection"