Business Credit Report

Make faster, more reliable decisions with business credit reports

Centrix business credit reports give you comprehensive business credit data to assess the risk of extending credit to a new or existing customer. The reports give you deep insights into a company’s past credit behavior including Inland Revenue tax default data, delivered in an easy-to-read format.

Business Credit Reports feature a credit score which is a summary of the information in the report, designed to provide a snapshot of a company’s creditworthiness. The credit score – a number between 0 and 1000 – helps you to quick assess a customer and understand likelihood of them defaulting on payments.

Running business credit checks can help you to set appropriate terms of trade for each new customer to determine whether to supply good and services on credit. You can also run credit checks on potential suppliers, to help secure your supply chain and reduce operational risk.

With a Centrix Business Credit Report, you can:

• Make smarter lending decisions with real-time, comprehensive business credit data pulled into an easily digestible report.
• Gain visibility of any outstanding Inland Revenue (IR) tax default information.
• Quickly and easily assess a business’s creditworthiness with a comprehensive, data-driven credit score that summarises the report.
• Better manage cash flow by assessing your customers’ ability to pay.
• Access comprehensive information on past credit enquiries, defaults, and payment data.
• View both summary and granular data on enquiry frequency and timeframes, including PPSR data over the last 12–24 months.
• Deep dive into the data, including reviewing the type of credit account and/or dollar values previously applied for.

Customise your reports:

Pay only for the information you need. Customise your report to include some or all of the following:

• Director’s consumer file (with consent).
• Beneficial Owners Report and corporate family tree to easily understand the company shareholding structure.

Pay for what you need – buy a single report for just $49+gst, or save when you purchase multiple report

Why a Business Credit Report makes sense:

Every business has a credit score between 1 and 1,000. The higher the score, the more likely you are to get paid.
Business credit reports are a powerful tool for understanding your customers, suppliers, and debtors, helping you better manage cashflow.

• Know the risk – you’re 15 times more likely to be paid on time by a company with a high credit score than a low one.
• Better manage your cashflow – quickly assess your customer’s ability to pay.
• Affordable pricing – purchase a one-off report or save with multiple reports.
• Fast – receive your report by email within minutes.
• Confidential – no need to advise your customers or suppliers.

What a Business Credit Report Includes:

• Credit score
• Company information, including previous registered and trading names
• Registration period
• Director names
• Shareholder names, shareholdings, and affiliations (if any)
• Credit defaults, including Inland Revenue (IR) tax default information*
• Insolvencies and judgements (if any)
• Credit enquiries

*Inland Revenue (IR) Tax Default Data
In 2017, Inland Revenue (IR) opened the door to credit reporting on significant tax debt. They have since refreshed how unpaid tax
information is shared, giving Kiwi businesses clearer visibility of financial risk and helping strengthen trust across the business landscape.

IR is committed to increasing transparency around tax debt and is working closely with Centrix on these initiatives.
As part of a new pilot, selected businesses will receive formal notifications of outstanding tax obligations and have 30 days to take action. If they do not engage, they may be reported to a credit bureau.

Centrix remains the only credit bureau authorised to receive this data, enabling customers to benefit from increased transparency
and make confident, informed business decisions.

IR continues to work with Centrix on further enhancements to improve visibility of tax debt.
For more information, visit:

Inland Revenue – Changes to sharing information about unpaid tax

How it works:

FAQ’s: