Borrower verification & distress monitoring API

Prometiam is the registry-data and distress-signal layer for lenders, invoice financiers and factoring companies underwriting and monitoring European counterparties — one REST API, one bearer token, one schema across every registry the API covers.

The problem it solves

Underwriting confirms a borrower exists and who controls it. The harder problem is the months afterwards, when a director resigns, capital is reduced, the registered office moves, or a winding-up petition is filed — and nobody notices until an invoice goes unpaid. A bureau score is a compressed opinion that tells you a number moved, not that the sole director resigned last Tuesday.

What Prometiam serves

Corporate insolvency across sixteen markets — France, Finland, Germany, the UK, Austria, Norway, Switzerland, the US, the Netherlands, Denmark, Croatia, Sweden, Spain, Latvia, Estonia and Singapore, plus Spanish concursal filings, from official gazettes. Corporate only; personal insolvency is never returned.
German distress beyond the LEI-registered entities — company lookup covers German companies that hold an LEI, not the commercial register, but German corporate insolvency is covered for all debtors.
Daily corporate events — director changes, capital reductions, address and name changes, dissolutions, as a queryable timeline for Spain, France and the UK, plus register-change events for every other live country except Chile (none before 14 Oct 2026 for Ireland, Poland and Norway; Argentina is read monthly, none before 28 Oct 2026; Mexico covers its LEI-registered entities only).
Director networks — cross-directorship rollups that surface phoenix patterns.
Company age filters — a counterparty registered six weeks ago asking for sixty-day terms is a policy question.
Flat-rate monitoring — a fixed monthly price with credits included (2 per insolvency check or events search), not a fee per report or per monitored company.

What it deliberately does not do

No credit score, no rating, no recommended credit limit, no probability of default and no estimated financials. Prometiam returns registry facts, risk signals and, for GB, FR, DK, SE, NO and SEC filers in the United States (plus digitally filed statements for Finland, about one filer in twenty, and listed companies in ES, PL, HR and BE) from the Scale plan, filed financial statements (France: not for companies that declare their accounts confidential, about 45% of French filers). If your process needs a bureau score, it complements that vendor rather than replacing it. Contains CVR data (Erhvervsstyrelsen), CC BY 4.0.