The CIRBE report (Bank of Spain’s Risk Information Center) lists all loans, credits, guarantees, or other financial obligations that an individual or company has with financial institutions.
It is used to determine the level of indebtedness and assess creditworthiness.
Because financial institutions use it to analyze risk before granting financing.
A clean and up-to-date CIRBE report improves your chances of obtaining credit, loans, or discount lines.
You can do this in three ways:
Through the Bank of Spain’s Online Portal using a digital certificate or Cl@ve.
In person, by scheduling an appointment at a branch.
By mail, by sending the necessary documentation.
👉 The online method is the fastest and most convenient.
If requested online, the report is usually available in less than 24 hours.
If requested in person or by mail, the process can take between 3 and 10 business days, depending on the volume of requests.
It’s recommended that you check it at least once a year, especially before applying for new financing.
This way, you can verify that the information is correct and identify any potential errors that could affect your creditworthiness.
You can file a complaint directly with the Bank of Spain, providing documentation to support the correction.
The review process is usually completed within about one month.
Only the data subject (an individual or a company) can request their full report.
Banks and financial institutions only access the information when there is an active credit relationship or a request for financing.
Workcapital advises you on how to interpret the report’s data and optimize your financial profile before applying for financing.
This way, you can improve your creditworthiness and more easily access lines of credit, factoring, or promissory note discounting.
If you’re looking for financing for your company or business, you’ve likely heard of CIRBE. But do you really know what it is, how it works, and how it affects your access to credit? Understanding this tool is essential to knowing how financial institutions view you and how you can access funding without overburdening your credit profile.
In this article, we’ll explain what the Bank of Spain’s Risk Information Center (CIRBE) is, how you can check your report, and why alternative financing without CIRBE—such as that offered by Workcapital—can be a more flexible, agile, and strategic solution for your business.
The CIRBE (Bank of Spain’s Central Risk Information Database) is a database that collects information on the financial risks that companies and individuals pose to financial institutions. Banks use this information to analyze applicants’ credit risk before granting a loan or line of credit.
The data included in the CIRBE covers:
That’s why having a good credit history with CIRBE is key if you plan to apply for bank financing in the future. For businesses, this positive credit history also makes it easier to access thebest business account on the market.
A major advantage of alternative financing is that it isn’t recorded in the CIRBE. In the case of Workcapital, since it isn’t a traditional financial institution, the amounts a company obtains through solutions such as promissory note discounting or factoring aren’t reflected in this registry.
This is especially relevant for companies that:
In addition to not being reported to CIRBE, Workcapital offers benefits such as:
In short, alternative financing is an excellent option for obtaining liquidity without compromising your future ability to secure bank financing.
In the financial world, knowing how to request a CIRBE report is a fundamental step. This resource provides individuals and businesses with a detailed overview of their credit history.
If you want to check what information is listed about you or your company in this registry, follow this guide to request your CIRBE report through the Bank of Spain:
1. Go to the website: https://sedeelectronica.bde.es/sede/es/
2. In the “Procedures and Featured Content” section, select “Request for Risk Reports (CIRBE),” and you’ll be taken to a new page.
3. On the right-hand sidebar, under the “ PROCEDURES” section, click “Access the CIR Reports and Claims Application.”
4. Select your digital certificate to begin the process.
5. Under “Risk Reports,” select “Add” to submit a new request.
6. Enter the report date in YYYY/MM format and click OK. (year expressed as four digits)/ (month expressed as two digits).
7. The specified date will be included in the following table of information to be requested:
8. Enter your email address to be notified when the report is available.
9.It may take up to 15 minutes on business days forthe report to be generated. Afterward, go to the “Check Status and Download Reports” option to download it.
*Please note that if the download does not start immediately, your browser’s pop-up blocker may be enabled.
Available only to individuals.
You can request the risk report at the Bank of Spain’s headquarters or at any of its other offices by making an appointment in advance.
You must submit the following completed form and provide the documentation listed in the “Required Documentation” section:
Form to request the risk report in person or by mail
The report is provided immediately or, if that is not possible, it is sent by certified mail to the applicant’s address.
Available only to individuals.
To request the report by mail, fill out the following form, sign it by hand, and provide the documentation listed in the “Required Documentation” section:
Form to Request the Risk Report In Person or by Mail
You must mail the form, duly signed, along with the required documentation to the following address:
Bank of Spain
Central Risk Information Office
C/ Alcalá, 48, 28014 Madrid
The report will be sent to you within a few days via certified mail to the applicant’s address. If additional information or documentation is needed to complete the request, you will be notified at that same address.
If no data is on file, a single document will be generated indicating that you are not listed in the system. If you have transactions, you will receive two documents:
If you find incorrect information:
First, file a complaint with the institution that reported the information to CIRBE.
If they do not respond or the issue is not resolved, you can file a complaint with the Bank of Spain:
Online (required starting in September 2023).
You can also file a complaint in person or by mail, depending on the situation.
Knowing your status in the CIRBE is important, but so is knowing that there are smart alternatives for obtaining financing without affecting this record. If your business needs liquidity without adding to your credit history, Workcapital may be the financial partner you need.
We offer solutions tailored to the reality of your business—with no red tape, no CIRBE check, and personalized service.
Want to talk? We’re ready to help you grow with fast, secure, and customized financing.
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