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Insolvency Check

Insolvency Check

– Confidence in business

– Confidence in business

Avoid financial risks and defaulters. With one click, gain insight into the insolvency status of your (potential) customers and suppliers via the Central Insolvency Register.

Avoid financial risks and defaulters. With one click, gain insight into the insolvency status of your (potential) customers and suppliers via the Central Insolvency Register.

CIR Scan

CIR Scan

insolvency check

insolvency check

only:

only:

€0.15

€0.15

*

per check

per check

*excluding volume discount

*excluding volume discount

Insolvency Check

– Confidence in business

Avoid financial risks and defaulters. With one click, gain insight into the insolvency status of your (potential) customers and suppliers via the Central Insolvency Register.

CIR Scan

insolvency check
only:

€0.15

*

per check

*excluding volume discount

Overview

Overview

Overview

The CIR (Central Insolvency Register) search service allows querying insolvency data registered in the CIR database.
Data is available for any insolvency published after January 1, 2005, and remains accessible for six months after termination.

The CIR (Central Insolvency Register) search service allows querying insolvency data registered in the CIR database.
Data is available for any insolvency published after January 1, 2005, and remains accessible for six months after termination.

The CIR (Central Insolvency Register) search service allows querying insolvency data registered in the CIR database.
Data is available for any insolvency published after January 1, 2005, and remains accessible for six months after termination.

Supported Search Fields

Supported Search Fields

Supported Search Fields
General Search Field:

General Search Field:

CIR Jurisdiction

Indicator of the CIR databases, currently NL (Netherlands).

List Publication

Indicate that the list of related publications should be included in the result.

Generic Reference Fields:

Generic Reference Fields:

Entrance Code

Reference of the supply-party (attribute)

DebtorCode

Customer reference

Natural person

Natural person

Initials

The initial of the person (characters and dots)

Fist names

The firstnames separated by space

Surname Prefix

The prefix of a surname, for example, 'van', 'van der', 'in het', etc.

Surname

The surname of the person (in most cases only one name)

Date of Birth

The date of birth YYYY-MM-DD

Birthplace

The place of birth

Organizations:

Organizations:

Company Names

The official name of the company including entity type (e.g., ltd, plc, etc)

Corporate Number

The number under which the company is registered at the Chamber of Commerce

Trade Names

The tradenames the company uses

Filtering

Filtering

The initial filtering uses the following fields:

The initial filtering uses the following fields:

Organization Matching Criteria
Organization Matching Criteria

Company name

Trade Names

Company number

Candidate Matching Criteria
Candidate Matching Criteria

Family Name Prefix

Last Name

Date of Birth

Postal Code

House Number

Primary and secondary match

Primary and secondary match

Primary match

Natural Person: match based on Initials, SurnamePrefix, Surname, BirthDate and BirthPlace.

Organisation: match based on CompanyName, TradeNames and CompanyNumber.

Natuurlijke Persoon: overeenstemming op basis van initialen, achternaamvoorvoegsel, achternaam, geboortedatum en geboorteplaats.

Organisatie: overeenstemming op basis van bedrijfsnaam, handelsnamen en bedrijfnummer.

Secondary Match

NaturalPerson: match based on FirstNames, BirthCountry, ZipCode, HouseNumber, Country

NaturalPerson: match based on FirstNames, BirthCountry, ZipCode, HouseNumber, Country

Name Normalization

Name Normalization

Names are converted to ASCII (diacritical marks removed).

Empty string fields must match exactly.

Missing (null) fields are ignored in matching.

Names are converted to ASCII (diacritical marks removed).

Empty string fields must match exactly.

Missing (null) fields are ignored in matching.

Result evaluation

Result evaluation

Each result is scored. Records with a score above 50 are returned. The result set may contain:

Each result is scored. Records with a score above 50 are returned. The result set may contain:

isRegistered

Indicates overall result across all registration cards:

Indicates overall result across all registration cards:

• True: At least one confirmed score ≥ 95%

• True: At least one confirmed score ≥ 95%

• Uncertain: Any score of 50% or higher

• Uncertain: Any score of 50% or higher

• False: No matching results

• False: No matching results

Primary match

Match

Secondary Match

Plausible additional matches

Response Fields

Response Fields

Possible response fields include:

Possible response fields include:

FirstNames

BirthDate

ZipCode

PrimaryMatch

InsolvencyReference

InsolvencyStageModificationDate

TransactionID

Bluem-generated

Bluem-generated

SurnamePrefix

Birthplace

HouseNumber

SecondaryMatch

InsolvencyStageCode

Address

Registered address. Add country code,

Provide code, and Building.

Registered address. Add country code,

Provide code, and Building.

Surname

BirthCountry

HouseNumberSuffix

isRegistered

InsolvencyStageDescription

DebtorReference

echo from request

echo from request

*If applicable

Optional Publication information

Optional Publication information

if

Listpublications

is

True,

the

following

structure

is

returned:

Publication Reference

PublicationDate

PublicationCode

PublicationDescription

Authentication

Authentication

Each

request

must

include

a

valid

token

(provided

bij

Bluem)

and

match

the

registered

SenderID

(format:

S####).

The

token

is

passed

in

the

request

URL,

and

SenderID

is

part

of

the

x-ttrs-filename.

Interpreting results

Interpreting results

The

result

consists

of

several

RegistrationCard

(one

for

each

matching

person

of

organization)

The

registration

card

has

the

following

sections.

MatchingResult:

MatchingResult:

PrimaryMatch

NP Match on Initial, SurnamePrefix, Surname, BirthDate, BirthPlace

ORG Match on CompanyName, CompanyNumber, TradeNames

NP Match on Initial, SurnamePrefix, Surname, BirthDate, BirthPlace

ORG Match on CompanyName, CompanyNumber, TradeNames

SecondaryMatch

NP Match on FirstNames, BirthPlace, ZipCode, Housenumber and CountryCode

NP Match on FirstNames, BirthPlace, ZipCode, Housenumber and CountryCode

InsolvencyDetails:

InsolvencyDetails:

InsolvencyReference

The case number

The case number

InsolvencyStageCode

F1, F2, F3, S1, S2, S3 or ??

F1, F2, F3, S1, S2, S3 or ??

InsolvencyStageDescription

Explanation of the StageCode.

Explanation of the StageCode.

InsolvencyStageModificationDate

The of the Stage modification

The of the Stage modification

CIRCheckTransactionResponse:

CIRCheckTransactionResponse:

entranceCode

The provided entranceCode (attribute)

The provided entarceCode (attribute)

DebtorReference

The same reference as in the request

The same reference as in the request

InsolvencyStageModificationDate

The unique reference of this transaction

The unique reference of this transaction

Technical Interface

Technical Interface

API Endpoints:

API Endpoints:

Test: https://test.v2.viamijnbank.nl

Test: https://test.v2.viamijnbank.nl
Test: https://test.v2.viamijnbank.nl

Acceptance: https://acc.v2.viamijnbank.nl

Acceptance: https://acc.v2.viamijnbank.nl
Acceptance: https://acc.v2.viamijnbank.nl

Production: https://v2.mybank.com

Production: https://v2.mybank.com
Production: https://v2.mybank.com

Mandatory HTTP Headers:

Mandatory HTTP Headers:

- x-ttrs-date

YYYY-MM-DDThh:mm:ss.SSSZ

YYYY-MM-DDThh:mm:ss.SSSZ

- number of x-ttrs files

: 1

: 1

- x-ttrs-filename

: CIX-S####-BSP1-YYYYMMDDhhmmssSS.xml

: CIX-S####-BSP1-YYYYMMDDhhmmssSS.xml

- Content-Type

: application/xml;type=CIX;charset=utf-8

: application/xml;type=CIX;charset=utf-8

Request Path:

Request Path:

/cir/CreateTransactionWithToken?token=<token>

/cir/CreateTransactionWithToken?token=<token>

HTTP Response Codes

HTTP Response Codes

200 OK – valid response

401 – Unauthorized

400 – Bad Request

500 – Internal server error

Request Format

Request Format

XML

of

type

CIRCheckInterfaceType

containing

one

CIRCheckTransactionRequest

which

may

include

either

NaturalPerson

or

Organization

Response format

Response format

CIRCheckInterface

returns

either

CIRCheckTransactionResponse

or

CIRCheckErrorResponse

Example Request CURL

Example Request CURL

curl -X POST "https://test.v2.viamijnbank.nl/cir/CreateTransactionWithToken?token=your_token_here"

curl -X POST "https://test.v2.viamijnbank.nl/cir/CreateTransactionWithToken?token=your_token_here"

-H "Content-Type: application/xml;type=CIX;charset=utf-8" \


-H "x-ttrs-date: 2025-07-10T11:00:00.123Z" \


-H "x-ttrs-files-count: 1" \

-H "Content-Type: application/xml;type=CIX;charset=utf-8" \


-H "x-ttrs-date: 2025-07-10T11:00:00.123Z" \


-H "x-ttrs-files-count: 1" \

-H "x-ttrs-filename: CIX-S441-BSP1-20250710110000123.xml" \


-d @CIX-S441-BSP1-20250710110000123.xml

-H "x-ttrs-filename: CIX-S441-BSP1-20250710110000123.xml" \


-d @CIX-S441-BSP1-20250710110000123.xml

Matching Engine (planned)

Matching Engine (planned)

The CIR system uses hybrid field-level comparison and fuzzy matching algorithms. This section will be expanded in a future release.

The CIR system uses hybrid field-level comparison and fuzzy matching algorithms. This section will be expanded in a future release.

Example Request XML for a natural person

Example Request XML for a natural person

<?xml version="1.0" encoding="UTF-8"?>

<CIRCheckInterface mode="direct" senderID="S001" version="1.0" createDateTime="1970-01-01T00:00:00.000Z" messageCount="1" type="TransactionRequest">

<CIRCheckTransactionRequest entranceCode="EC00000000000000000">

<CirJurisdiction>NL</CirJurisdiction>

<ListPublications>false</ListPublications>

<CIRCheckNaturalPerson>

<NaturalPerson>

<Initials>N.S.</Initials>

<FirstNames>Namra Sopra</FirstNames>

<SurnamePrefix>van der</SurnamePrefix>

<Surname>Veen</Surname>

<BirthDate>1968-01-01</BirthDate>

<BirthPlace>Broek in Waterland</BirthPlace>

<BirthCountryCode>NL</BirthCountryCode>

</NaturalPerson>

<Address>

<Street>Beethovenlaan</Street>

<HouseNumber>90</HouseNumber>

<ZipCode>2151GT</ZipCode>

<Place>Nieuw-Vennep</Place>

<ProvinceCode>NH</ProvinceCode>

<CountryCode>NL</CountryCode>

</Address>

</CIRCheckNaturalPerson>

<DebtorReference>DR-00000000000000000</DebtorReference>

</CIRCheckTransactionRequest>

</CIRCheckInterface> ​

<?xml version="1.0" encoding="UTF-8"?>

<CIRCheckInterface mode="direct" senderID="S001" version="1.0" createDateTime="1970-01-01T00:00:00.000Z" messageCount="1" type="TransactionRequest">

<CIRCheckTransactionRequest entranceCode="EC00000000000000000">

<CirJurisdiction>NL</CirJurisdiction>

<ListPublications>false</ListPublications>

<CIRCheckNaturalPerson>

<NaturalPerson>

<Initials>N.S.</Initials>

<FirstNames>Namra Sopra</FirstNames>

<SurnamePrefix>van der</SurnamePrefix>

<Surname>Veen</Surname>

<BirthDate>1968-01-01</BirthDate>

<BirthPlace>Broek in Waterland</BirthPlace>

<BirthCountryCode>NL</BirthCountryCode>

</NaturalPerson>

<Address>

<Street>Beethovenlaan</Street>

<HouseNumber>90</HouseNumber>

<ZipCode>2151GT</ZipCode>

<Place>Nieuw-Vennep</Place>

<ProvinceCode>NH</ProvinceCode>

<CountryCode>NL</CountryCode>

</Address>

</CIRCheckNaturalPerson>

<DebtorReference>DR-00000000000000000</DebtorReference>

</CIRCheckTransactionRequest>

</CIRCheckInterface> ​

Example Response XML for a natural person

Example Response XML for a natural person

<?xml version="1.0" encoding="UTF-8"?>

<CIRCheckInterface mode="direct" senderID="S001" version="1.0" createDateTime="2025-07-14T10:36:02.000Z" messageCount="1" type="TransactionResponse">

<CIRCheckTransactionResponse entranceCode="EC00000000000000000">

<CIRCheckResult>

<IsRegistered>true</IsRegistered>

<RequestType>NP</RequestType>

<RegistrationCardsCount>1</RegistrationCardsCount>

<RegistrationCards>

<RegistrationCard>

<PrimaryMatch>100</PrimaryMatch>

<SecundaryMatch>33</SecundaryMatch>

<NaturalPerson>

<Initials>N.S.</Initials>

<FirstNames>Namra Sopra</FirstNames>

<SurnamePrefix>van der</SurnamePrefix>

<Surname>Drift</Surname>

<BirthDate>1968-01-01</BirthDate>

<BirthPlace>Broek in Waterland</BirthPlace>

</NaturalPerson>

<InsolvencyDetails>

<InsolventReference>R.18/24/50</InsolventReference>

<InsolvencyStageCode>S1</InsolvencyStageCode>

<InsolvencyStageDescription>Ruling Suspension</InsolvencyStageDescription>

<InsolvencyStageModificationDate>2024-02-29</InsolvencyStageModificationDate>

</InsolvencyDetails>

<Publications/>

</RegistrationCard>

</RegistrationCards>

</CIRCheckResult>

<DebtorReference>DR-00000000000000000</DebtorReference>

<TransactionID>CIR-TST-1-e511f855-becb-4d58-9e15-4a6463044f52</TransactionID>

</CIRCheckTransactionResponse>

</CIRCheckInterface> ​

<?xml version="1.0" encoding="UTF-8"?>

<CIRCheckInterface mode="direct" senderID="S001" version="1.0" createDateTime="2025-07-14T10:36:02.000Z" messageCount="1" type="TransactionResponse">

<CIRCheckTransactionResponse entranceCode="EC00000000000000000">

<CIRCheckResult>

<IsRegistered>true</IsRegistered>

<RequestType>NP</RequestType>

<RegistrationCardsCount>1</RegistrationCardsCount>

<RegistrationCards>

<RegistrationCard>

<PrimaryMatch>100</PrimaryMatch>

<SecundaryMatch>33</SecundaryMatch>

<NaturalPerson>

<Initials>N.S.</Initials>

<FirstNames>Namra Sopra</FirstNames>

<SurnamePrefix>van der</SurnamePrefix>

<Surname>Drift</Surname>

<BirthDate>1968-01-01</BirthDate>

<BirthPlace>Broek in Waterland</BirthPlace>

</NaturalPerson>

<InsolvencyDetails>

<InsolventReference>R.18/24/50</InsolventReference>

<InsolvencyStageCode>S1</InsolvencyStageCode>

<InsolvencyStageDescription>Ruling Suspension</InsolvencyStageDescription>

<InsolvencyStageModificationDate>2024-02-29</InsolvencyStageModificationDate>

</InsolvencyDetails>

<Publications/>

</RegistrationCard>

</RegistrationCards>

</CIRCheckResult>

<DebtorReference>DR-00000000000000000</DebtorReference>

<TransactionID>CIR-TST-1-e511f855-becb-4d58-9e15-4a6463044f52</TransactionID>

</CIRCheckTransactionResponse>

</CIRCheckInterface> ​

Example Request XML for Organizations

Example Request XML for Organizations

<?xml version="1.0" encoding="UTF-8"?>

<CIRCheckInterface mode="direct" senderID="S001" version="1.0" createDateTime="1970-01-01T00:00:00.000Z" messageCount="1" type="TransactionRequest">

<CIRCheckTransactionRequest entranceCode="EC20250612114354886">

<CirJurisdiction>NL</CirJurisdiction>

<ListPublications>true</ListPublications>

<CIRCheckOrganisation>

<Organisation>

<OrganisationName>Validoku</OrganisationName>

</Organisation>

<Address>

<HouseNumber>7</HouseNumber>

<ZipCode>1822BK</ZipCode>

</Address>

</CIRCheckOrganisation>

<DebtorReference>DR-20250612114354.886</DebtorReference>

</CIRCheckTransactionRequest>

</CIRCheckInterface> ​

<?xml version="1.0" encoding="UTF-8"?>

<CIRCheckInterface mode="direct" senderID="S001" version="1.0" createDateTime="1970-01-01T00:00:00.000Z" messageCount="1" type="TransactionRequest">

<CIRCheckTransactionRequest entranceCode="EC20250612114354886">

<CirJurisdiction>NL</CirJurisdiction>

<ListPublications>true</ListPublications>

<CIRCheckOrganisation>

<Organisation>

<OrganisationName>Validoku</OrganisationName>

</Organisation>

<Address>

<HouseNumber>7</HouseNumber>

<ZipCode>1822BK</ZipCode>

</Address>

</CIRCheckOrganisation>

<DebtorReference>DR-20250612114354.886</DebtorReference>

</CIRCheckTransactionRequest>

</CIRCheckInterface> ​

Example Response XML for Organizations

Example Response XML for Organizations

<?xml version="1.0" encoding="UTF-8"?>

<CIRCheckInterface mode="direct" senderID="S001" version="1.0" createDateTime="2025-07-14T10:36:08.000Z" messageCount="1" type="TransactionResponse">

<CIRCheckTransactionResponse entranceCode="EC20250612114354886">

<CIRCheckResult>

<IsRegistered>true</IsRegistered>

<RequestType>ORG</RequestType>

<RegistrationCardsCount>1</RegistrationCardsCount>

<RegistrationCards>

<RegistrationCard>

<PrimaryMatch>100</PrimaryMatch>

<SecundaryMatch/>

<Organisation>

<OrganisationName>Validoku B.V.</OrganisationName>

<TradeNames>

<TradeName>Validoku B.V.</TradeName>

</TradeNames>

<CompanyNumber>81032412</CompanyNumber>

</Organisation>

<Address>

<Street>Marterkoog</Street>

<HouseNumber>7</HouseNumber>

<ZipCode>1822BK</ZipCode>

<Place>Alkmaar</Place>

</Address>

<InsolvencyDetails>

<InsolventReference>F.15/25/12</InsolventReference>

<InsolvencyStageCode>F1</InsolvencyStageCode>

<InsolvencyStageDescription>Declaration of bankruptcy</InsolvencyStageDescription>

<InsolvencyStageModificationDate>2025-01-08</InsolvencyStageModificationDate>

</InsolvencyDetails>

<Publications>

<Publication>

<PublicationReference>15.nho.25.12.F.1300.1.25 </PublicationReference>

<PublicationDate>2025-01-08</PublicationDate>

<PublicationCode>1300</PublicationCode>

<PublicationDescription>Declaration of bankruptcy on January 7, 2025</PublicationDescription>

</Publication>

</Publications>

<?xml version="1.0" encoding="UTF-8"?>

<CIRCheckInterface mode="direct" senderID="S001" version="1.0" createDateTime="2025-07-14T10:36:08.000Z" messageCount="1" type="TransactionResponse">

<CIRCheckTransactionResponse entranceCode="EC20250612114354886">

<CIRCheckResult>

<IsRegistered>true</IsRegistered>

<RequestType>ORG</RequestType>

<RegistrationCardsCount>1</RegistrationCardsCount>

<RegistrationCards>

<RegistrationCard>

<PrimaryMatch>100</PrimaryMatch>

<SecundaryMatch/>

<Organisation>

<OrganisationName>Validoku B.V.</OrganisationName>

<TradeNames>

<TradeName>Validoku B.V.</TradeName>

</TradeNames>

<CompanyNumber>81032412</CompanyNumber>

</Organisation>

<Address>

<Street>Marterkoog</Street>

<HouseNumber>7</HouseNumber>

<ZipCode>1822BK</ZipCode>

<Place>Alkmaar</Place>

</Address>

<InsolvencyDetails>

<InsolventReference>F.15/25/12</InsolventReference>

<InsolvencyStageCode>F1</InsolvencyStageCode>

<InsolvencyStageDescription>Declaration of bankruptcy</InsolvencyStageDescription>

<InsolvencyStageModificationDate>2025-01-08</InsolvencyStageModificationDate>

</InsolvencyDetails>

<Publications>

<Publication>

<PublicationReference>15.nho.25.12.F.1300.1.25 </PublicationReference>

<PublicationDate>2025-01-08</PublicationDate>

<PublicationCode>1300</PublicationCode>

<PublicationDescription>Declaration of bankruptcy on January 7, 2025</PublicationDescription>

</Publication>

</Publications>