Announcements, media coverage and practical perspectives on credit risk, compliance and risk intelligence from the RisQo and Infocredit Group team.
Practical guidance on credit risk and credit risk management.
Business intelligence in a risk context is not reporting on what your own systems already know. It is combining external company data — registry records, financial filings, ownership, payment behaviour, sector and country context, sanctions and news — with your internal exposure, so that a decision about a counterparty can be made on evidence rather than on familiarity.
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Third-party risk assessment (TPRA) is the discipline of understanding what your suppliers, vendors, distributors and outsourcing providers can do to you — financially, operationally, legally and reputationally — and keeping that understanding current for as long as the relationship lasts. Most programmes fail not because the questionnaire is wrong but because every third party is treated identically, so the critical ones receive the same attention as the stationery supplier.
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An ultimate beneficial owner (UBO) is the natural person who ultimately owns or controls a company — not the holding company on the share register, and not the nominee named in the filing. The distinction matters because sanctions, credit concentration and fraud all attach to people, while corporate documents describe entities.
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Know Your Business (KYB) is the process of establishing who a company actually is before you trade with it, lend to it, onboard it as a supplier or process payments on its behalf. Where KYC verifies a natural person, KYB verifies a legal entity — and a legal entity can be dissolved, renamed, re-registered in another country, or owned through several layers of holding companies that no single document reveals.
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A credit score tells you how likely a counterparty is to fail. A credit limit tells you how much that failure would cost you. Teams that conflate the two end up granting large limits to strong-looking companies with thin balance sheets, and refusing sound business because a score sits one band too low.
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Banks have quantified credit risk with three variables for decades. The same three work just as well for a supplier granting open payment terms, and they turn an argument about whether a customer 'feels risky' into a number you can price.
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Companies rarely fail without warning. They fail after a sequence of observable changes that were each individually explainable. Credit risk assessment is largely the discipline of noticing that sequence early enough to reprice, reduce or secure the exposure.
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Credit risk management is the discipline of deciding, in advance and in writing, how much exposure you are willing to carry against a counterparty — and then keeping that decision under review. Most bad debt is not the result of a reckless decision at onboarding; it is the result of a reasonable decision that nobody revisited. A framework exists to make the first decision consistent and the second one automatic.
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30 April 2026
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16 April 2026
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In an increasingly interconnected and regulated global environment, organisations are expected to make faster decisions, manage complex risks, and maintain the highest standards of compliance and governance. For more than five decades, Infocredit Group has been helping businesses, financial institutions, regulators, and public-sector organisations navigate this evolving landscape with confidence.
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As we look ahead to 2026, the global and Cypriot economies are entering a new era of adjustment and transformation. The three key factors that will determine business viability and competitiveness are rising energy costs, the upcoming tax reform, and the rapid application of artificial intelligence (AI) in production and business operations.
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Rome, Italy | 6 November 2025
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Infocredit Group is pleased to announce its participation in SiGMA Central Europe 2025, taking place in Rome, Italy, from 3–6 November 2025. Visitors are invited to meet the team at Booth 3067 and discover the latest innovations in compliance, risk intelligence, and business resilience.
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