DEBT REGISTER - Allows viewing and publicizing debts, significantly increasing debt payments.

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By adding a debt claim to the Infobank's debt register, the debtor receives a claim letter from Infobank. This motivates the debtor to pay the debt within 7 days to avoid its publication in Infobank and Äripäev, and the lowering of the company's credit rating.

Infobank's debt register aggregates debt information entered by collection agencies, Infobank clients, and Äripäev PRO clients. The register allows for the addition of B2B claims that have exceeded the payment deadline by more than 30 days and remain unpaid despite reminders.

Sending a debt notice to the register significantly increases the likelihood of invoice payment.

PAYMENT DISCIPLINE - Shows how many days before or after the payment deadline a company typically pays its invoices.

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In Infopank, you can see how many days before or after the due date the company typically pays its issued invoices. This is valuable information because the credit rating doesn't always tell the whole truth. The absence of debts and other negative factors doesn't guarantee good liquidity, but payment discipline can already signal approaching liquidity problems. Delayed payments almost always precede the emergence of debts. If you observe that a company pays invoices significantly after the due date on average, it is advisable to assign a smaller credit limit to that client. To discipline poor payers, consider the option of imposing penalties. Positive payment discipline – paying invoices on time – instills greater confidence in new clients.

CREDIT RATINGS - Provides clear guidelines on which company to give credit to and how much.

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• Companies with a good credit rating have no warning issues, and you can extend credit to them up to the predetermined limit.
• Companies with a satisfactory credit rating typically have 1-2 minor factors that prevent them having a good credit rating. You can still grant credit to them, but in a smaller amount. We also recommend reviewing the company's data yourself and re-evaluate the credit decision if necessary.
• Companies with a poor credit rating are not recommended for credit granting. These companies have one or more serious creditworthiness-related issues, such as tax or private debts, missing reports, a person with a negative background on the board, etc.

MONITORING - Receive immediate notifications of a business client's payment default or, for example, a competitor's report submission.

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Manually monitoring the creditworthiness of clients is time-consuming and costly, and significant events may go unnoticed. Infopank's monitoring provides you with the ability to promptly learn about all important events concerning your clients and business partners, such as changes in credit ratings, changes in ownership and management, submission of financial reports, emergence or resolution of payment remarks, and more. Monitoring is a valuable tool in enforcing your credit policy – you will be instantly informed of any changes in your client's creditworthiness, and recommendations for opening and closing credit, along with the suggested credit limit, are also provided.

KEY PERSONNEL - Overview and background information on key individuals associated with the company.

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In Infopank, you can access the best direct contacts of company executives and key personnel. In addition to board members and company owners, you can also find the phone numbers and email addresses of many middle and senior-level managers in various companies. The data is collected from company websites, LinkedIn, directories, and other legitimate sources. Direct contacts save valuable time for sales and marketing teams, who would otherwise spend several hours a day searching for the right contact information.

BUSINESS ANALYTICS - Easily readable graphs for assessing a company's financial situation.

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In the business analytics tab, we have compiled data from the Business Registry and the Tax and Customs Board about the company's financial status. The Tax and Customs Board data offer a short-term, quarterly view of the company's activity. The annual report provides a longer view, where indicators for up to 10 years are presented on easily readable graphs. In addition, you can view the balance sheet, income statement, and cash flow statement of recent years along with trends, distribution of sales revenue by sector and export countries. If you need even more detailed information, it is possible to view PDF reports.

MARKETING LISTS - Compilation of target groups based on selected criteria, enhancing sales and marketing.

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Infopank incorporates a powerful tool for creating marketing and sales lists. When composing the target group, you can choose companies based on their field of activity, size, location, and date of establishment. You can also compile lists based on key personnel functions, such as financial managers, IT managers, export managers, etc. Criteria can be combined as well – for example, financial managers from major telecommunication companies. After setting the criteria, you can download the target group data as an Excel file. If needed, Infopank can also assist in organizing email marketing campaigns and sales services. Personalized approach is crucial in sales and marketing. By directing your offers to the right contacts, you ensure sales success.

BUSINESS CONNECTIONS AND GROUP TREE - Current and historical business connections of companies and key personnel, corporate structure.

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Business relationships are displayed both as a regular table and as a visual "spiderweb." On this page, you can get an overview of the current and historical status of board members, council and owners, as well as key employees. The visualized network can be expanded to see the business circle of individuals/companies. As companies also have credit rating "bubbles" attached, you can quickly get an overview of how businesses related to an individual are doing.

TAX REPORT - Overview of companies' paid taxes and history of tax debts.

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The tax report provides information about the company's tax debt – detailing the current situation, where you can see the types of debts, whether they are scheduled or disputed. The dynamics of the tax debt over the last year are also displayed on a graph. Additionally, the tax report shows whether the required tax declarations have been submitted and how much national and labor taxes the company has paid in the recent quarters.

COURT RESOLUTIONS - Overview of companies' legal cases, helping to understand potential risks.

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In the court casess tab, you can view the history of court resolutions related to the company. The database contains all first and second instance court resolutions published after 2006, as well as all Supreme Court decisions. It shows various types of proceedings where the company appears as a defendant or plaintiff. Court decisions may provide important information for checking the background of a company.