Czech Insolvency Register (ISIR) — Bankruptcy Check, Monitoring & Case Details

Query the official Czech insolvency register (ISIR) run by the Ministry of Justice — the single authoritative source of all bankruptcy and insolvency proceedings in the Czech Republic since 2008. This actor turns the registry's legacy SOAP services into a clean, normalized English-language JSON API: instant insolvency checks by company ID, real-time monitoring of new insolvency events, and full case state resolution.

Built for KYC and compliance teams, factoring and trade-credit providers, debt collection agencies, distressed-debt funds, credit bureaus and M&A due-diligence workflows that need reliable Czech insolvency data without dealing with Czech-only SOAP/XML interfaces.

1. What it does

Mode	What you get	Typical use
lookup	Instant insolvency check for companies (IČO), individuals (personal ID) or names — including negative results (subject is clean)	KYC / onboarding, credit checks
monitor	Incremental feed of new insolvency events since your last run, with optional watchlist filtering and webhook notifications	Debtor monitoring, portfolio alerts
proceeding	Current state of specific insolvency cases by case number (e.g. INS 12575/2022)	Case tracking, collections

Data comes live from both official ISIR web services (ISIR_CUZK_WS2 for lookups, ISIR_PUBLIC_WS replication log for monitoring). No API keys needed on the registry side, data is legally public.

2. Quick start

Insolvency check by company ID:

{ "mode": "lookup", "icos": ["25083325"] }

Monitor a debtor watchlist daily (run on a schedule — state persists between runs):

{
  "mode": "monitor",
  "watchlistIcos": ["25083325", "00074358"],
  "watchlistBirthNumbers": ["820331/3316"],
  "webhookUrl": "https://your-app.example.com/isir-alerts"
}

Resolve case details:

{ "mode": "proceeding", "caseNumbers": ["INS 12575/2022"] }

3. Output — normalized English schema

{
  "record_type": "lookup_result",
  "has_insolvency": true,
  "case_number": "INS 12575/2022",
  "court": "Městský soud v Praze",
  "senate": 95,
  "debtor": {
    "name": "Sberbank CZ, a.s. v likvidaci",
    "ico": "25083325",
    "birth_number_masked": null,
    "type": "legal",
    "address": { "city": "Praha 5", "street": "U Trezorky", "zip": "158 00" }
  },
  "proceeding_state": "bankruptcy_liquidation",
  "proceeding_state_cs": "KONKURS",
  "insolvency_started_at": "2022-09-13",
  "source_url": "https://isir.justice.cz/isir/ueu/evidence_upadcu_detail.do?id=…",
  "scraped_at": "2026-07-11T12:26:35+00:00"
}

Monitor mode emits record_type: "event" records with the event ID, official event type code, Czech label and an English label for the ~40 most common event types (insolvency petition, bankruptcy order, debt relief approval, creditor claim filed, …), links to court documents (PDF) when published, and the deep link into the registry.

Proceeding states are normalized to an English enum: pending, moratorium, insolvency_declared, bankruptcy_liquidation, debt_relief, reorganization, resolved, final, closed and more — raw Czech codes are always kept alongside.

Privacy note: Czech personal IDs (rodné číslo) are accepted as input but are never exposed in plain text in the output — only masked (820331/****) plus a SHA-256 hash for deterministic joining.

4. Real-time API & MCP (AI agents)

The actor supports Standby mode: GET /lookup?ico=25083325 returns the insolvency check as JSON in ~1 second. Once published, the actor is automatically available as an MCP tool via mcp.apify.com — ideal for compliance copilots that need to "check a Czech company or person for insolvency" as a single tool call.

5. Pricing (pay per event)

Event	Price	Charged for
subject-lookup	$0.015	each checked subject in lookup mode (negative results included — a clean check is valuable)
monitoring-event	$0.005	each emitted event in monitor mode
proceeding-detail	$0.03	each resolved case in proceeding mode
actor-start	$0.0001	each run

1,000 KYC checks ≈ $15/month — a fraction of commercial registry data providers. Cost protection: maxItems, maxEvents and your Apify spending limits are always honored.

Why this actor

Unlike simple ISIR search scrapers, this actor talks directly to the official ministry web services (no fragile HTML scraping) and is the only one offering an incremental event feed: run it on a schedule and get exactly the new insolvency events since your last run — no duplicates, no gaps, with watchlists, webhooks, masked-PII output and a real-time lookup API for AI agents. Lookup by IČO, personal ID, name or case number.

6. FAQ & notes

• Is this legal? Yes. ISIR is a public register established by Czech law (Act 182/2006 Coll., Insolvency Act); the Ministry of Justice explicitly operates these web services for automated consumption.
• How fresh is the data? The registry log is written by courts continuously; monitor mode picks up events within minutes of publication. Lookup responses include the registry synchronization timestamp.
• First monitor run: starts from the current end of the registry log (no historical backfill by default — the log contains ~79 million events since 2008). Use startFromId to begin from a specific position.
• Reliability: monitor state is persisted in a named key-value store and survives restarts and failed runs without duplicates or gaps.
• Search keywords: Czech insolvency register API, ISIR API, Czech bankruptcy check, insolvency monitoring Czech Republic, debtor monitoring, KYC Czech Republic, insolvenční rejstřík, lustrace, credit risk Czechia.

Works well with: CZ & SK Real Estate Aggregator — monitor distressed real estate alongside insolvency proceedings for a complete distressed-asset pipeline.