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Visma Creditro A/S

Our mission 

At Visma Creditro, we seek out and protect businesses from the “bad guys” – whether you are a small business owner or a big corporation.

Let us take care of your KYC/AML processes, so you can focus on what matters, scaling your company and taking care of your customers.

Origin story

All superheroes have origin stories, and the same goes for our AML warriors – For them, it all started in 2016.

Mathias Kobberup had a good idea to catch fraudsters, and he shared it with an investor group, where he quickly got a response from the former CEO of 3x34, Peter Hauge Jensen.

Peter faced challenges with creditors who did not pay their bills and people who outright cheated. The two men decided to start the company. They began to prepare an algorithm both for credit assessment and what characterized companies that neither paid their bills and, in some cases, were "prepared for the occasion."

In 2017, they contacted Ronni Baslund, who had the technical knowledge Mathias Kobberup and Peter Hauge Jensen lacked to bring the dream to life. Ronni has a background as a senior software developer from Shoreline A/S. With his IT skills, the entrepreneurial drive gained momentum, and the fight against money laundering and bad creditors gained momentum.

Compliance should be simple

Creditro was not supposed to be and did not become another bureaucratic system that required weeks of local device installations and demos. Instead, the platform was simple and easily accessible – via a browser – so users could be accessed it from deckchairs in Spain and offices in Esbjerg. All it required was an internet connection.

The platform can today identify 9 out of 10 fraudulent companies in Denmark and warns against 65% of all bankruptcies at least three months before they happen. Creditro also has automated credit assessments, so a KYC check, according to our customers, takes around 5 minutes.

The hard work has paid off, and in a few years, Creditro has managed to build a database with more than 45 nationalities connected today.

In 2020, Creditro became part of the Norwegian IT group, Visma, where we continue as an independent company, but now with even greater muscle, ready to fight for a world without financial crime and money laundering.

We always want to learn – do better and be better. That is why we collaborate on our journey with the Danish Business Authority, a compliance board, and our customers.

  • Creditro Comply

    - KYC & AML Compliance platform..


    With real-time technology that combats fraud and bankruptcy, Creditro Comply ensures that you are constantly updated on AML and your KYC.

    Compliance can be easy

    Fight financial crime, stay AML/KYC compliant with Creditro Comply - and spend time on clients instead of on spreadsheets.

    Save valuable time

    Customers chose us because we know that customer satisfaction is essential. Creditro Comply is a user-friendly system that makes it easy and smooth for your customers to upload their ID, reminding them if they are missing information and always ensuring that their data is safe. We take care of your customers as if they were our own.

    Efficient and accurate

    • Reduce your workload with up to 95%
    • Automatic notification when customer data changes
    • One easy-to-monitor dashboard
    • Customer Due Diligence (KYC/AML) in one platform
    • Delivers full KYC-reports that meets requirements in Denmark and the EU

    Secure

    • Risk assessment about terror financing and fraud

    • Fraud and bankruptcy warnings and guiding risk assessments

    • Monitoring and updating client data in near real-time.

    • Intelligent algorithms; collecting all the data

    • Entire audit trail and activity logs on all activities

    • Compliance with archiving and deletion of documents and data with GDPR- and AML-legislation

    Flexible

    • Plug-&-Play solution or customized solution

    • Integratable with various CRM- and Economy-solutions

    • Supports all business types

    Gain time with your clients today

    Creditro helps companies save time on tiresome KYC/AML processes and allows you to focus your clients - and your company.

    Let us automate your KYC/AML workflow

    Our Comply solution gives you a complete overview of customer risk scores, considers industry risks, and gives you both security and freedom, to focus on your clients and your business.

    Let Creditro automate your work processes, get rid of dusty, outdated papers, and identify fraud and bankruptcy risks before it's too late.


    Legal
    Denmark
    Compliance & Audit
    Owner

  • Creditro Assess

    - Automatic credit assessment platform


    Creditro Assess gives you information based on real-time industry data and market insights, so you can make informed decisions. 

    Avoid fraud

    Kick scammers to the curb, by the curbside with Creditro Assess. We designate 9 out of 10 fraudulent companies, so you can ease your mind and spend time on your customers. 

    Who owns what?

    Get insight to companies ownership with Assess

    Get a precise and fast overview of who owns who in the company - and if any holding companies are involved. Avoid surprises, and get names with our new Creditro Assess diagram.

    Track scammers and bankruptcy companies

    Creditro Assess gives you automatic credit ratings - across countries. We anticipate and warn about the bad payers, warn of bankruptcy, and track fraud so you avoid empty pockets, debt collection, and wasted working hours.

    Prevent fraud

    • Automated credit assessments which frees up time and resources.
    • One access point for information – also in Scandinavia
    • Information in real-time - no delays.
    • Predictive analyses, so you are always at the forefront of efforts against loss and fraud.
    • Easy setup of own credit policies and internal score models.
    • Get complete overview over the ownerships in your portfolio with our build in organization diagram

    Gain time with your clients today

    Creditro helps companies save time on tiresome KYC/AML processes and allows you to focus your clients - and your company.

    Predicts 2 out of 3 bankruptcies

    Assess is a sophisticated tool that never sleeps! Creditro Assess does risk assessment and credit assessment on thousands of companies, and last year we predicted 4,672 out of 7,189 bankruptcies.You can act on time with bankruptcy risk alerts and minimize losses daily.

    Our customers receive alerts daily in the inbox or via their ERP / CRM system. That way, they are always up to date and equipped with a shield against fraud.


    Accounting and Finance
    Denmark
    Credit Rating
    Owner

  • Creditro Sign

    - Digital signing software


    At Creditro, we believe that creating better customer experiences is the key. Speed up the on-boarding procedure with our digital signing solution.

    Do business faster 

    Speed up on-boarding of new clients, sign from anywhere, and skip the part with over-night deliveries, faxes, and weak email systems with Creditro Sign.

    Create better customer experiences

    We believe in a flexible and digital "circle of life," which is why we naturally incorporate digital signing into our platform. The module is called Creditro Sign and allows you to upload the files you need for a digital signature. The solution provides smoother workflows - both for you and your customers.

    Fast and secure

    • Secure sensitive information and ensure the right person is signing
    • Provides you with a great data collection of your customers ID
    • Speed up onboarding of new customers
    • Automatic reminders when they need to sign

    Digital Signing
    Denmark
    Owner

  • API

    - Integrations made easy


    Communication challenges in a workplace are tedious – in any form or shape.

    Our platform comes with API integration and can therefore be easily integrated into your systems so that the employees in your company only need to work in one system. So you don't need to worry about tangles.

    Works with your team and your systems

    Our setup allows you to get all our functions and unique data directly into your system. Everything we develop for your company will be available as a Web application and an API solution.

    Gain time with your clients today

    Creditro helps companies save time on tiresome KYC/AML processes and allows you to focus your clients - and your company.


    IT
    Integration tool
    Owner