Instantly Assess Financial Risk, Affordability, And Compliance
Make informed decisions with real-time financial status checks on individuals and companies.
Bluem provides direct access to official court registers (in most European countries), allowing organisations to identify insolvencies, bankruptcies, debt restructuring arrangements, financial administration measures, guardianships, and curatorships. Our advanced matching technology delivers accurate results while minimizing false positives.
Financial Status
Clear
MV
M. de Vries
Individual · NL
Official data
3 sources
Insolvency/bankruptcy
No record
Admin./Guardianship
No record
Affordability indicator
Low risk
Trusted by organizations across Europe and the GCC.
Our Sources
Trusted Financial Status Intelligence From Official Court Registers
Bluem performs financial status checks directly against national court registers and official judicial sources. All results are delivered through a single API and workflow, making compliance and risk assessment easy to automate.
Insolvency &
Bankruptcy Checks
Identify bankruptcy, payment suspension, debt restructuring, and insolvency proceedings.
Insolvency register
Clear
Bankruptcy
No record
Suspension of payments
No record
Debt restructuring
No record
Insolvency proceedings
No record
Financial Administration & Guardianship Checks
Detect financial administration, guardianship, or curatorship in official registers.
Protection status
Clear
Official source
CCBR
Financial administration
Not registered
Guardianship
Not registered
Curatorship
Not registered
Why It Matters?
Why Organizations Perform Financial Status Checks
Financial status information is critical when entering into a business relationship, granting credit, onboarding customers, or assessing affordability.
Assess affordability
Determine whether customers are financially capable of signing a contract, loan, lease, subscription, gaming account, or purchase agreement.
Reduce financial risk
Identify bankruptcies, insolvencies, debt restructuring arrangements, or court-appointed financial administrators before exposure occurs.
Meet KYC and AML rules
Support Customer Due Diligence (CDD) and Know Your Customer (KYC) processes under regulations such as the Wwft and other anti-money laundering frameworks.
Fulfil duty-of-care obligations
Protect vulnerable individuals from entering into agreements they may not legally or financially be able to maintain.
Improve onboarding decisions
Automate risk assessments during customer acquisition while maintaining a smooth customer experience.
False Positives
Incorrect Matches
Manual Review Work
Customer Friction
Bluem's Unique Advantage
Intelligent Fuzzy Matching,
Without Operational Noise
Court registers often contain incomplete, outdated, misspelled, or partially matching records. Bluem solves this challenge with advanced fuzzy matching technology and intelligent search logic.
Reduced False Positives
Higher Match Accuracy
Less Manual Investigation
Better User Experience
Insolvency Check
Verify Insolvency, Bankruptcy, Debt Restructuring And Suspension of Payments
Bluem's Insolvency Check provides instant insight into the financial standing of individuals and companies through official insolvency and bankruptcy registers. This information is essential for onboarding, compliance, customer due diligence, affordability assessments, and risk management.
Has been declared bankrupt
Confirms an official bankruptcy declaration in public records.
Is under suspension of payments
Identifies a temporary suspension of debt payments granted by courts.
Is undergoing debt restructuring
Detects an active formal debt restructuring process under legal supervision.
Is involved in insolvency proceedings
Reveals ongoing legal proceedings related to insolvency in official registers.
Why It Matters?
Why Perform an Insolvency and Financial Administration Check?
An insolvency record may indicate increased financial risk, reduced repayment capability, or heightened compliance concerns.
Verify
affordability
Supports informed decisions about financial commitments.
Evaluate supplier and business partner risk
Detects financial instability before entering business relationships.
Meet regulatory
obligations
Provides reliable data for regulatory compliance checks.
Perform Customer Due Diligence (CDD)
Strengthens customer risk assessments using verified insolvency data.
Support KYC and AML investigations
Reveals financial risks relevant to compliance investigations.
Assess
creditworthiness
Identifies insolvency indicators affecting repayment capability.
European Coverage
Growing European Coverage
Bluem is connected to multiple European insolvency registers and official court sources for financial administration, enabling organizations to perform checks across jurisdictions through a single integration.
Netherlands
Denmark
Belgium
Spain
Italy
United Kingdom
France
Search Options
Search official registers using company names, registration details, and business addresses to identify relevant financial-status records.
Legal entity name
Trade name
Chamber of Commerce registration number
Country code
Postal code
House number
Financial Administration Check
Protect Vulnerable Individuals And Prevent Invalid Agreements
The Financial Administration Check verifies whether an individual is subject to a court-appointed financial protection measure. The check helps organisations identify customers who may require involvement from a legal representative before entering into agreements or receiving financial services.
What can be identified?
Depending on the country and available court data, Bluem can identify:
Financial administration
Guardianship
Curatorship
Other court-imposed financial protection measures
Why is this important?
A person under financial administration or curatorship may not be legally authorised to independently enter into certain agreements.
Failure to identify these situations can lead to invalid contracts, legal disputes, financial losses, reputational damage, and regulatory issues. The Financial Administration Check helps organisations prevent these risks before they occur.
Protecting vulnerable individuals
The purpose of these measures is to protect individuals who are unable to adequately manage their own financial affairs due to:
Mental health conditions
Cognitive impairments
Addiction
Excessive debt
Other personal circumstances
See how Bluem’s Financial Administration Check identifies protective measures through the Dutch CCBR.
Dutch Register
Example: CCBR
In the Netherlands, financial administration and guardianship information is maintained by the courts through the Central Curatorship and Administration Register (CCBR).
Publication rules and retention periods may differ per country.
The register contains information relating to:
Curatorship
Administration Measures
Guardianship Arrangements
Market Relevance in the Netherlands
For organizations operating at scale, this makes financial administration checks an important component of responsible onboarding and risk management.
~280,000
people under financial administration
~60,000
people under curatorship
>2%
of Dutch adults affected by a protective measure
Use Cases
Common Use Cases for
Financial Status Checks
Use verified financial data to support stronger due diligence, responsible decisions, and regulatory compliance across industries.
iGaming
Support duty-of-care obligations and responsible gaming practices.
Leasing and Automotive
Verify financial suitability before entering long-term agreements.
Real Estate
Enhance due diligence for tenant and customer onboarding.
Affordability Assessment
Confirm customers can responsibly meet their financial commitments.
Lending and Consumer Finance
Reduce default risk and support responsible lending decisions.
Insurance
Assess financial risk and strengthen compliance processes.
Customer Due Diligence (CDD)
Strengthen KYC and AML checks with verified financial data.
Connected Financial Intelligence
One API. Multiple National Registers. Maximum Confidence.
Bluem combines official court register data, intelligent matching technology, and seamless integration into a single financial status checking solution that covers multiple countries.
Real-Time Register Checks
Run a Financial Status Check using current data from official registers.
Insolvency & Bankruptcy
Perform Insolvency, Bankruptcy, and Insolvency Register Checks.
Admin & Guardianship
Run Financial Administration, Guardianship, and Curatorship Checks.
Advanced Fuzzy Matching
Identify relevant records despite spelling errors and data variations.
Reduced False Positives
Improve matching accuracy for more reliable Customer Due Diligence.
Near European Coverage
Access official registers across multiple European countries.
API-First Integration
Integrate Financial Status and Affordability Checks into existing workflows.
Compliance Workflows
Support KYC Financial Status Check and Wwft Compliance Check processes.
Get Started
Ready to Reduce Risk and Improve Compliance?
Discover how Bluem's Financial Status Checks can help your organization make better onboarding, compliance, and affordability decisions.
