Poland KYB Risk Check - Company + Beneficial Owners + Insolvency in One Call

Give it a Polish NIP or KRS. Get back one finished KYB check:

• Who the company is - official identity from the state business register (REGON): legal name, KRS, legal form, registered address, registration date, and whether it still exists.
• Who is actually behind it - beneficial owners from the official UBO register (CRBR): names, citizenship, and the nature of their control.
• Whether anyone in that structure is in the national debtor register - KRZ, searched against the company AND every single beneficial owner, across both of its registers: the public register and the court announcements (obwieszczenia), where live bankruptcies are actually published.

One normalized verdict: clear, findings, not_found, or partial.

You only pay for a complete check. Incomplete checks and not-found lookups are never charged.

Why screen the beneficial owners and not just the company?

Because a clean company can be owned by someone in personal bankruptcy - and that is exactly the risk a KYB check exists to find. A company-only insolvency lookup will never see it.

Running that cascade by hand is awkward: the debtor register cannot search a person by name, only by their PESEL. You have to pull the UBO register first to learn each owner's PESEL, then run a separate debtor search for every one of them. This actor does that for you, in one call.

Because every lookup is keyed on an exact identifier - NIP for companies, PESEL for people - there is no fuzzy name matching anywhere in the chain, and therefore no false-positive matches on common surnames.

What you get back

{
  "query": "1080004850",
  "verdict": "findings",
  "charged": true,
  "riskFlags": ["company-in-debtor-registry", "company-bankruptcy-or-restructuring"],
  "company": {
    "name": "GETIN NOBLE BANK SPÓŁKA AKCYJNA W UPADŁOŚCI",
    "nip": "1080004850",
    "krs": "0000304735",
    "regon": "141334039",
    "legalForm": "116 - SPÓŁKI AKCYJNE",
    "address": "Rondo Ignacego Daszyńskiego 2C 00-843 Warszawa",
    "registrationDate": "2008-04-25",
    "active": true
  },
  "beneficialOwners": [
    {
      "name": "MIROSŁAW MOZDŻEŃ",
      "pesel": "73052511914",
      "citizenship": "POLSKA",
      "natureOfControl": ["inna osoba fizyczna"],
      "debtorRegistry": { "found": false, "entries": [] }
    }
  ],
  "debtorRegistry": {
    "found": true,
    "entries": [
      {
        "caseSignature": "WA1M/GUp/44/2023",
        "kind": "bankruptcy",
        "proceedingType": "Obwieszczenie dokumentu dotyczącego składnika masy upadłości",
        "court": "Sąd Rejonowy dla m.st. Warszawy w Warszawie",
        "startedAt": "2024-09-16",
        "role": null,
        "sourceUrl": "https://krz.ms.gov.pl/"
      }
    ]
  },
  "coverage": { "identity": "OK", "ubo": "OK", "insolvency": "OK", "uboScreened": 2 }
}

What do the verdicts mean?

verdict	meaning	charged
clear	Every source answered. No insolvency proceedings against the company or any beneficial owner.	yes
findings	Every source answered, and something needs a human: see riskFlags.	yes
not_found	No company is registered under that identifier (usually a typo).	no
partial	A source registry was unreachable, so the check is incomplete. Re-run it.	no

Risk flags

flag	meaning
company-in-debtor-registry	The company appears somewhere in KRZ. This alone does not mean it is insolvent - see below.
company-bankruptcy-or-restructuring	A bankruptcy or restructuring case is on record for the company.
ubo-in-debtor-registry	A beneficial owner appears somewhere in KRZ.
ubo-bankruptcy-or-restructuring	A bankruptcy or restructuring case is on record for a beneficial owner.
company-not-active	The company has been struck off the business register.
ubo-register-discrepancy-reported	Someone has formally reported a discrepancy in the UBO filing.

Each entry is classified by its court case signature (WA1M/GUp/44/2023 -> GUp -> bankruptcy):

kind	meaning
bankruptcy	Bankruptcy proceeding (GUp)
bankruptcy-petition	Petition to declare bankruptcy (GU)
restructuring	Restructuring proceeding (GR*)
discontinued-enforcement	Enforcement action that was discontinued (Km / GKm)
business-ban	Ban on conducting business activity
unknown	The registry's detail lookup was unavailable - review manually

Why we report the entry rather than declare "insolvent"

KRZ does not disclose whether the entity is the debtor or a creditor in a proceeding (the role field is never populated). A large bank, for example, appears in enforcement cases as the creditor. So this actor reports what the registry says - the case type, its signature, its status - and leaves the legal conclusion to you. role is always returned as null rather than guessed.

How do I run it?

Paste NIP or KRS numbers into Company identifiers and run. That's it - no API key, no login, nothing to configure.

JavaScript

import { ApifyClient } from 'apify-client';

const client = new ApifyClient({ token: 'YOUR_APIFY_TOKEN' });

const run = await client.actor('regdata/poland-kyb-check').call({
    identifiers: ['6770065406', '1080004850'],
});

const { items } = await client.dataset(run.defaultDatasetId).listItems();
for (const check of items) {
    console.log(check.query, check.verdict, check.riskFlags);
}

Python

from apify_client import ApifyClient

client = ApifyClient('YOUR_APIFY_TOKEN')

run = client.actor('regdata/poland-kyb-check').call(run_input={
    'identifiers': ['6770065406', '1080004850'],
})

for check in client.dataset(run['defaultDatasetId']).iterate_items():
    print(check['query'], check['verdict'], check['riskFlags'])

FAQ

Does this cover PEP screening or sanctions? No. This check covers company identity, beneficial ownership, and insolvency. It does not screen for politically exposed persons, sanctions, or adverse media, and it does not claim to.

What happens if a government registry is down? You get a partial verdict, an explanation of which source was unreachable, and no charge. If three checks in a row come back incomplete, the run stops early and tells you to try again later - so a registry outage can never quietly burn through a long list.

Does a KRZ hit mean the company is bankrupt? No. It means the company appears in the register. Check the kind: only bankruptcy, bankruptcy-petition and restructuring indicate insolvency. A discontinued-enforcement entry is often the company appearing as a creditor whose enforcement action was closed.

Is a clear verdict the same as "no data found"? No, and the distinction is the point. clear means the registers were reached and returned no proceedings. If a register cannot be reached, you get partial, never clear.

Are the beneficial owners the same as the directors? No. Directors are the people who run the company; beneficial owners are the people who ultimately own or control it. This actor returns beneficial owners, from the official UBO register.

Why is a PESEL included? It is the identifier the debtor register requires to screen a person, and it is published in the public UBO register. It is what makes the ownership screening exact rather than name-based.

Do you support other countries? This actor is Poland-only. See the related actors below for other jurisdictions.

Related actors

Individual registry actors, if you want the raw data rather than a finished check:

• Poland KRZ National Debtor Registry Scraper - insolvency & restructuring proceedings
• Poland CRBR Beneficial Owners Scraper - the UBO register
• Polish REGON Scraper - the official business register
• Poland KRS Financial Scraper - filed financial statements
• Poland MSiG Court Gazette Scraper - bankruptcy & liquidation notices

Other jurisdictions: Germany Handelsregister, Belgium KBO/BCE, Spain Registro Mercantil, Italy Registro Imprese, France Societe.com, Czech ISIR, Slovakia RPVS.

Data sources & compliance

All three sources are official, public Polish government registers:

• REGON - Statistics Poland (GUS) business register
• CRBR - Central Register of Beneficial Owners, Ministry of Finance
• KRZ - National Register of Debtors, Ministry of Justice

The data is published by the state for public inspection. Personal data returned (names, PESEL) comes from these public registers and is intended for KYC/AML, due-diligence and credit-risk purposes. You are responsible for processing it lawfully under GDPR - in particular for having a lawful basis, and for not retaining it longer than your purpose requires.