Business Creditworthiness Check

Check one company with an open-data risk indicator, and optionally normalise a Creditsafe Connect or Dun & Bradstreet Direct+ report using your own bureau credentials.

The indicator is not a credit rating, not a credit score, and not a credit limit. Bureau rows are a normalised subset of a report your contract already allows you to order. This Actor does not include a bureau account.

What does Business Creditworthiness Check do?

Each company becomes one dataset row.

Open-data indicator (no bureau key). The run calls code copied from this repo's register and VAT Actors, then adds open accounts where a free source publishes them:

• Register status, age and legal form from EU Company Register Lookup (Companies House, French recherche-entreprises, Brønnøysund, GLEIF and the other registers that Actor already supports). A UK row needs your free Companies House key.
• Dutch identity from the free KvK basis profile when you supply your own KvK API key.
• Filed accounts: Companies House accounts block (overdue, type, period end). French finances (turnover and net result) from recherche-entreprises. The free KvK basis profile does not include annual accounts, and this Actor does not call a paid jaarrekening product.
• VAT existence from EU TIN & VAT Validator when you pass a VAT number.
• Insolvency notices, sanctions hits and an ownership profile are plugs. They are not fetched unless you pass them or turn on the in-process ownership pack.

Bureau lookup (your key). With creditsafeUsername and creditsafeSecret, the Actor calls the official Connect API: POST /authenticate, GET /companies, then GET /companies/{connectId} with includeIndicators=true. With dnbApiKey and dnbConsumerSecret, it calls POST /v2/token (or /v1/token if you select v1) and GET /v1/data/duns/{duns}. A D&B lookup needs a 9-digit D-U-N-S number. Company search on D&B is not called.

No bureau website is scraped.

What a row shows

• One row can hold the open-data indicator and, when you set mode to bureau or both and supply credentials, a normalised bureau result.
• The concern points and the signal list are on the row. A dissolved company, an overdue accounts flag, a supplied insolvency notice, or a supplied sanctions hit each add points. Fewer than two known signals is insufficient.
• Creditsafe and D&B credentials are secret input fields. They are not written to the dataset.
• Director names, principal names, and CCJ defendant names from a bureau payload are not copied. The default D&B blocks omit principalscontacts.

Licensing

Creditsafe and Dun & Bradstreet generally forbid reselling their data, building a competing database, or redistributing a report to someone who is not covered by the customer's contract. This Actor is built around that limit:

• There is no Creditsafe or D&B account in the code, the image, or the default input.
• The Actor calls only the official HTTP APIs, and only with credentials from the run input.
• The dataset stores a normalised subset (score, limit, payment behaviour, CCJs or other legal events, group structure). The raw report is not stored in the dataset or the key-value store.
• A bureau row is for the customer who supplied the key. It is not a sublicense from this Actor, and it is not a new rating. Customers are responsible for their Creditsafe/D&B contract allowing this use.
• The open-data indicator uses public registers and free APIs (Companies House, recherche-entreprises, KvK basis profile, VIES, GLEIF). Those rows are labelled open-data-risk-indicator and isCreditRating is false.
• Sanction lists are not downloaded here. Pass hits from Sanctions Screening Watch. Insolvency Watch can be plugged in later by passing its rows as insolvencyNotices. The ownership pack from this repo can run in-process when includeOwnership is on.

What does each row return?

Field	Meaning
product	open-data-risk-indicator, bureau-lookup, or both
isCreditRating	Always false
indicatorBand	lower-concern, mixed, higher-concern, or insufficient
concernPoints	Sum of the open-data signals. Higher means more concern. It is not a bureau score
signals	Each signal, the points, and a short reason
register	Status, legal form, incorporation date, source
accounts	filed, overdue, not-published, or not-in-free-profile
vat	Existence result when a VAT number was supplied
insolvency / sanctions / ownership	not-run, or the plug you supplied
bureau	Normalised Creditsafe or D&B outcome when that call ran
eventsCharged	open-indicator and/or bureau-lookup

higher-concern is a flag to read the signals. It is not a refusal to trade.

How to run it

1. Add one company under Companies. Include country and a registration number, VAT number, KvK number, or D-U-N-S.
2. Leave Mode on indicator for the open-data row. Set bureau or both only when you also paste your own bureau credentials. In both mode, if open-indicator is not on the live price list, the indicator is not fetched or charged and the priced bureau lookup still runs and is charged.
3. For a UK company, paste your free Companies House key. For a Dutch company, paste your KvK key.
4. Start the run. Open the dataset.

maxCompanies defaults to 1 and cannot exceed 25. A later copy of the same country and id is processed and charged once. Spaces, dots and dashes in a registration number, VAT number, D-U-N-S or KvK number are ignored. Two companies that only share a name are both checked, and a number with no country is not merged.

To plug in the other Actors, set the matching switch and paste their rows:

• useSuppliedInsolvency and insolvencyNotices
• useSuppliedSanctions and sanctionsHits (an empty list is an explicit clear; leaving the switch off is not a clear)
• useSuppliedOwnership and ownershipProfile, or includeOwnership to run the ownership pack in this container

includePsc is off. Turn it on only when you need UK persons with significant control. Those names are personal data from the public PSC register.

How much does a check cost?

Pay per event. The live price is .actor/pricing.json.

Event	When it is charged	Price
open-indicator (primary)	One delivered open-data indicator. Not charged when the band is insufficient or the company is not found.	$0.01
bureau-lookup	One completed Creditsafe or D&B lookup	$0.005

A missing bureau key, a rejected bureau password, and an invalid input are not charged. A completed bureau call that finds no company is charged, because the lookup ran. Not charged when the band is insufficient or the company is not found.

Apify keeps 20% of the event price. Platform compute is still the developer's cost on pay-per-event. This repo's measured rate is $0.20 per compute unit (1 CU = 1 GB-hour): a sanctions check in actors/BUILD-NOTES.md showed a compute line of $0.001404 for 0.00702 CU.

This Actor asks for 256 MB (0.25 GB). A run that lasts 60 seconds is 0.25 × 60 / 3600 = 0.004167 CU, about $0.00083.

Price	Kept after 20%	Covers a 256 MB run of
$0.01 open indicator	$0.008	about 9.6 minutes
$0.005 bureau lookup	$0.004	about 4.8 minutes
Both on one company	$0.012	about 14 minutes

A 1-company run is the default. Recorded one-company runs of other Actors in this repo were 9.06 s (company-ownership-lookup) and 3.74 s (eu-company-status-watch), from actors/BUILD-NOTES.md. The offline harness replays fixtures and is not a platform bill.

Input

See the Input tab. Secrets:

• companiesHouseApiKey, kvkApiKey
• creditsafeUsername, creditsafeSecret (creditsafeEnvironment is production or sandbox)
• dnbApiKey, dnbConsumerSecret (dnbTokenVersion is v2 or v1)

dnbOrderReason is optional. It is not sent when empty. The default D&B blocks are companyinfo_L2_v1, financialstrengthinsight_L2_v1, paymentinsight_L1_v1, eventfilings_L3_v1, and hierarchyconnections_L1_v1.

Output

{
  "product": "open-data-risk-indicator",
  "isCreditRating": false,
  "name": "EXAMPLE HOLDINGS LIMITED",
  "country": "GB",
  "registrationNumber": "99999999",
  "indicatorBand": "lower-concern",
  "concernPoints": 0,
  "accounts": {"status": "filed", "overdue": false, "source": "UK_COMPANIES_HOUSE"},
  "eventsCharged": ["open-indicator"]
}

A Creditsafe row adds bureau.score.commonValue (A–E), bureau.creditLimit, bureau.paymentBehaviour when the contract returns a pbi indicator, bureau.negativeEvents, and bureau.groupStructure. A D&B row adds bureau.paymentBehaviour.paydex, bureau.score.failureScoreClass, and bureau.groupStructure.globalUltimate when those objects are in the payload. A credit limit is copied only when the entitled payload includes one.

Privacy

Register rows keep the company name, number, status, legal form and address fields the register Actor already returns. They do not copy officer lists. Bureau director and principal names are dropped. UK PSC names are omitted unless includePsc is on. Use those names only for a permitted ownership or screening purpose, and do not build a marketing file from them. Questions belong on the Actor's Issues tab.

FAQ

Is the band a credit score? No. Read signals for the reasons. A bureau score, when present, is the bureau's own figure, copied from your report.

Can I run this without a Creditsafe or D&B contract? Yes. Leave mode on indicator and leave the bureau secrets empty.

Why does D&B need a D-U-N-S? The documented data-block call used here is GET /v1/data/duns/{duns}. A match/search call is not made.

Why are Dutch annual accounts missing? The free basis profile does not publish them. A paid KvK accounts product is not called.

Related Actors

These are separate Actors. This check does not call them.

• Supplier Risk Monitor — Re-checks a saved supplier list on a schedule and stores a row when a later run differs. This Actor checks the companies in one run.
• GDPR & ePrivacy Consent Scanner — Records cookies and trackers set before consent, the cookie banner, and privacy-policy signals on a website. It does not score the company.
• EU UBO Lookup — Reads beneficial owners where a commercial Actor may, and returns not available where the register is closed. This Actor does not call those UBO registers.
• US Business Entity Status — Returns status from New York, Colorado, Connecticut, Oregon, and Pennsylvania open data, and from the Texas Comptroller franchise file. Those US offices are not part of this Actor's register lookup.
• ISO Certificate Check — Checks an ISO 9001, 14001, 27001, or 45001 certificate number. A live IAF result uses the customer's own key. Certificate status is not an indicator signal.