Credit status of Spanish companies
Thread poster: Edward Potter

Edward Potter  Identity Verified
Spain
Local time: 03:05
Member (2003)
Spanish to English
+ ...
Feb 11, 2005

Does anyone know of a semi-reliable (I cannot expect reliable) way of checking out the credit status of Spanish companies?

 

Parrot  Identity Verified
Spain
Local time: 03:05
Member
Spanish to English
+ ...
RAI Feb 11, 2005

or Registro de Aceptaciones Impagadas. For more information, see: http://www.el-mundo.es/sudinero/noticias/act-137-05.html

This is very reliable, but for that reason may take quite a long time before people are registered (i.e., the information may come too late). Understandably, not an open register for free consultation. You may need to go to an authorized agency.


 

peixe
Local time: 03:05
Member (2005)
Portuguese to Spanish
+ ...
Registro Mercantil Feb 11, 2005

Si se trata de sociedades mercantiles puede verse un resumen de las cuentas anuales, que, si no me equivoco se entregan en junio o en julio. A la vista de las mismas, si hay pérdidas o beneficios, puede deducirse, con bastante aproximación, cómo va esa empresa. En otro ámbito, en el Registro de la Propiedad, que también es público, puede verse si el inmueble de la empresa, y que parece de la propiedad de ella, lo es realmente o no ; así como si está hipotecado, tiene algún embargo, etc. Luego está el RAI (registro de impagados) que creo - no lo conozco muy bien - está relacionado con títulos valores impagados y que manejaría la banca para conocer la solvencia de eventuales clientes. No sé me ocurre más. Buen fin de semana.

 

Ralf Lemster  Identity Verified
Germany
Local time: 03:05
English to German
+ ...
English, please... Feb 11, 2005

Hi 'peixe',
Thanks for responding - would you mind re-posting in English, so others can benefit, too?

Thanks, and best regards,
Ralf


 

Parrot  Identity Verified
Spain
Local time: 03:05
Member
Spanish to English
+ ...
I'll pick it up a bit, Ralf Feb 12, 2005

What peixe was pointing out is that the annual reports submitted to the Commercial Register by business companies around June-July are open documents, and if you're looking into assets, the Register of Deeds will tell you whether or not there are any liens/embargoes on real property declared. Then, there is the RAI.

I suggested that in the first place because the RAI reflects smaller cases of default like promissory notes, unpaid bills, homeowner association receipts, bad trading debts, etc.. Understandably, though, it is a last resort and a year or two can pass in fruitless collection before the case gets there. Once registered, however, it marks the person almost practically for life, so the banks use it as a gauge of credit-worthiness (for credit cards, overdraft accounts, mortgages and consumer credit). It works for both legal and physical persons.


 

Ralf Lemster  Identity Verified
Germany
Local time: 03:05
English to German
+ ...
Thanks, Ceci... Feb 12, 2005

...much appreciated!

 

Edward Potter  Identity Verified
Spain
Local time: 03:05
Member (2003)
Spanish to English
+ ...
TOPIC STARTER
speed Feb 12, 2005

And how fast can you check using these resources?

 


To report site rules violations or get help, contact a site moderator:


You can also contact site staff by submitting a support request »

Credit status of Spanish companies

Advanced search







memoQ translator pro
Kilgray's memoQ is the world's fastest developing integrated localization & translation environment rendering you more productive and efficient.

With our advanced file filters, unlimited language and advanced file support, memoQ translator pro has been designed for translators and reviewers who work on their own, with other translators or in team-based translation projects.

More info »
Déjà Vu X3
Try it, Love it

Find out why Déjà Vu is today the most flexible, customizable and user-friendly tool on the market. See the brand new features in action: *Completely redesigned user interface *Live Preview *Inline spell checking *Inline

More info »



Forums
  • All of ProZ.com
  • Term search
  • Jobs
  • Forums
  • Multiple search