CZ & SK Company Risk Check — KYB Screening from Official Registers

Screen Czech and Slovak companies against the official public registers and get back one clean risk JSON per company — identity, ownership, VAT reliability, insolvency and liquidation, plus explicit risk flags you can act on.

Built for onboarding a new supplier, checking a customer before you extend credit, cleaning a CRM, or giving an AI agent a check_company tool.

Why this actor

• ✅ Four official sources in one call — ARES, the Czech business register (veřejný rejstřík), the Czech unreliable-VAT-payer register, and the Slovak RPO run by the Statistical Office. Government APIs, not scraped web pages.
• ✅ Explicit, sourced risk flags — every flag says what it found and where. No black-box score you cannot defend to your auditor.
• ✅ The VAT trap, covered — the officially published bank accounts of a Czech VAT payer. Paying a supplier's unpublished account can make you liable for their unpaid VAT. This is the check most tools skip.
• ✅ CZ and SK in one schema — the same output shape for both countries, so your pipeline does not care which side of the border a supplier is on.
• ✅ No personal data by default — directors and shareholders are returned as roles and counts. Names are strictly opt-in (see below).

Risk flags

Flag	Severity	Meaning
company-terminated	critical	Struck from the register
in-liquidation	critical	Liquidation recorded in the register, or in the registered name
in-bankruptcy	critical	Insolvency indicated by the registered name
insolvency-proceedings	critical	Open insolvency entry in the business register
unreliable-vat-payer	critical	Listed as unreliable by the Czech tax administration
past-insolvency	medium	Closed insolvency entry in the register history
inactive-status	high	Register status is not active
no-statutory-body	high	No current director registered
no-published-bank-account	medium	VAT-registered but no account published
young-company	medium	Registered less than 12 months ago
frequent-name-changes	medium	Traded under three or more former names
source-unavailable	info	A source did not answer — the result is incomplete, and says so

riskScore (0–100) and riskLevel (none / low / medium / high) summarise the flags. The flags are the product; the score is a convenience.

Input

Field	Example	Notes
companyIds	["27074358", "31333532"]	Czech or Slovak IČO. The exact way to screen.
companyNames	["Alza.cz a.s."]	Resolved to the best register match. Prefer IDs.
country	"auto"	CZ and SK IDs are both 8 digits — auto tries CZ, then SK.
includeRegisterDetail	true	Statutory bodies, owners, capital, insolvency and liquidation entries.
includeVatCheck	true	Unreliable-payer flag + published bank accounts (CZ).
includePersons	false	See the note below before turning this on.
maxResults	100	Safety cap.

Output example

{
    "found": true,
    "companyId": "25083325",
    "name": "Sberbank CZ, a.s. v likvidaci",
    "country": "CZ",
    "vatId": "CZ25083325",
    "legalForm": "Akciová společnost",
    "foundedOn": "1996-11-01",
    "address": { "full": "U Trezorky 921/2, Jinonice, 15800 Praha 5", "municipality": "Praha" },
    "fileNumber": "B 4353/MSPH",
    "vat": {
        "isVatPayer": true,
        "isUnreliablePayer": false,
        "publishedBankAccounts": ["8010200037/6800", "CZ1768000000009000001936"]
    },
    "insolvency": { "recordedInBusinessRegister": true, "openRecords": 1, "verifyUrl": "https://isir.justice.cz/…" },
    "liquidation": { "inLiquidation": true, "evidence": ["registered name contains \"v likvidaci\""] },
    "riskLevel": "high",
    "riskScore": 88,
    "riskFlags": [
        { "code": "in-liquidation", "severity": "critical", "message": "The company is in liquidation…" },
        { "code": "insolvency-proceedings", "severity": "critical", "message": "1 open insolvency entry in the business register." }
    ]
}

Every run also writes a RUN_SUMMARY record to the key-value store.

Typical use cases

Who	How
Finance / AP teams	Before paying an invoice, verify the account number is one the supplier published — otherwise you can be liable for their VAT
Sales & credit control	Batch-screen the pipeline; block deals with companies in liquidation
Compliance / KYB	Documented, sourced evidence for the file — flags cite the register entry
CRM data teams	Re-screen the customer base on a Schedule and alert on new critical flags
AI agents	One check_company tool call returns everything an agent needs to reason about counterparty risk

Personal data

By default the output contains no names of natural persons. Directors and shareholders appear as { role, since, isNaturalPerson }; corporate directors and corporate shareholders are named, because a company is not a person.

Turning on includePersons adds the names published by the registers themselves (home addresses are always reduced to the municipality). Those registers are public, but processing that data still makes you the controller under the GDPR — use it only where you have a lawful basis, such as a genuine KYB or AML obligation.

Sources & accuracy

Source	Operator	Used for
ARES	Ministry of Finance, CZ	Identity, address, legal form, NACE, registrations
Veřejný rejstřík (via ARES)	Ministry of Justice, CZ	Statutory bodies, owners, capital, insolvency, liquidation
Registr plátců DPH	Financial Administration, CZ	Unreliable-payer flag, published bank accounts
RPO	Statistical Office, SK	Slovak identity, bodies, stakeholders, capital, predecessors — CC-BY 4.0

Insolvency is reported as recorded in the business register, with a link to the insolvency register (ISIR) for the authoritative check — ISIR itself is behind a CAPTCHA and this actor does not attempt to bypass it. Register data has a natural lag of days; treat this as a screening layer, not a legal opinion.

Pricing

Pay per event: a small fee per run start plus a fee per company screened.

Roadmap

• Polish (KRS) and Hungarian company registers in the same schema
• Financial statements (Sbírka listin / Register účtovných závierok) — revenue, equity, filing gaps
• Corporate ownership chains and ultimate beneficial owners