Company & Financial Checks

Company Data (KvK)

Verifies a company's registration details via the Dutch Chamber of Commerce (KvK).

{
  "checkName": "company-data",
  "importance": "SKIPPABLE",
  "configuration": {
    "checkLevel": "BASIC"
  }
}

Check Levels

Level	Description
BASIC	Basic KvK data: company name, registration number, legal form, addresses
EXTENDED	Extended data: all BASIC fields plus UBO information and credit check (optional)
FULL	Full data: all EXTENDED fields plus additional company insights

Configuration Parameters

Parameter	Type	Required	Description
checkLevel	string	No	Level of detail: BASIC, EXTENDED, or FULL (default: BASIC)
enableCreditCheck	boolean	No	Enable credit check sub-check (only available for EXTENDED or FULL)
creditCheckMandatory	boolean	No	If true, the professional cannot proceed without completing the credit check

Result Fields

Field	Type	Description
companyName	STRING	Registered company name
kvkNumber	STRING	KvK registration number
companyRsin	STRING	RSIN number
companyLegalForm	STRING	Legal form (e.g. BV, VOF, Eenmanszaak)
companyAddresses	LIST	Registered addresses
sbiCodes	LIST	SBI activity codes
sbiDescriptions	LIST	SBI activity descriptions

---

Credit Check

The credit check is an optional sub-check within Company Data. It retrieves a credit assessment from an external data provider and returns a standardised set of fields. No provider name is exposed via the API.

Availability

The credit check is only available when company-data is configured with checkLevel: "EXTENDED" or checkLevel: "FULL". Setting enableCreditCheck: true at a lower level has no effect.

Configuration

{
  "checkName": "company-data",
  "importance": "SKIPPABLE",
  "configuration": {
    "checkLevel": "EXTENDED",
    "enableCreditCheck": true,
    "creditCheckMandatory": false
  }
}

Set creditCheckMandatory: true if the credit assessment is required to proceed with the screening.

Result Fields

Field	Type	Description
creditCheckResult	STRING	Current credit rating label (e.g. A, B, C, or NOT_RATED)
creditCheckDescription	STRING	Human-readable description of the current rating
creditLimitCurrency	STRING	ISO 4217 currency code for the credit limit (e.g. EUR)
creditLimitValue	STRING	Credit limit amount
creditScore	STRING	Numeric credit score from the external data provider
creditScoreDescription	STRING	Description of the credit score
creditPod	STRING	Probability of default
creditRatingChangeDate	STRING	Date of the most recent rating change
creditPreviousResult	STRING	Previous credit rating label
creditPreviousDescription	STRING	Human-readable description of the previous rating
creditPreviousLimitCurrency	STRING	ISO 4217 currency code for the previous credit limit
creditPreviousLimitValue	STRING	Previous credit limit amount
creditPreviousProviderDescription	STRING	Description from the external data provider for the previous rating

Edge Case: Not Rated

When no credit rating is available for a company, the field values will reflect this:

{
  "fieldName": "creditCheckResult",
  "value": "NOT_RATED",
  "verified": true,
  "verifiedBy": "otentica",
  "verifiedOn": "2025-04-01T09:00:00Z"
},
{
  "fieldName": "creditCheckDescription",
  "value": "No rating available for this company.",
  "verified": true,
  "verifiedBy": "otentica",
  "verifiedOn": "2025-04-01T09:00:00Z"
}

In this case, creditLimitValue, creditScore, and creditPod may be null.

Privacy & Data Processing (AVG / GDPR)

The credit check is carried out by an external data provider acting as a processor under a data processing agreement. Processing is limited to the purpose of pre-employment screening and company verification. Personal and company data used for the credit check is not retained by Otentica beyond the standard screening retention period. Integration partners should ensure their own processing of these results is consistent with the original screening purpose.

---

Bank Account Verification

Verifies that a bank account belongs to the expected account holder. Supports both personal and business accounts.

{
  "checkName": "bank-data",
  "importance": "SKIPPABLE",
  "configuration": {
    "checkPersonalAccount": true,
    "checkBusinessAccount": false
  }
}

Configuration Parameters

Parameter	Type	Description
checkPersonalAccount	boolean	Verify the professional's personal IBAN
checkBusinessAccount	boolean	Verify a business IBAN (requires company-data)

Result Fields

Field	Type	Description
personalIban	STRING	Personal IBAN number
personalIbanName	STRING	Name of the personal account holder
personalIbanCountry	STRING	Country of the personal account
businessIban	STRING	Business IBAN number
businessIbanName	STRING	Name of the business account holder
businessIbanCountry	STRING	Country of the business account

Business Account Enforcement

Business-only IBAN required

When checkBusinessAccount: true is configured, the candidate must provide a business IBAN. If a personal IBAN is submitted instead, the API returns the following remark in the response:

business-personal-iban-not-allowed

This remark is returned at the API level and is also reflected in the PDF report and the Otentica dashboard.

Example: Personal Account Result

{
  "checkIdentifier": "bank-data",
  "status": "SUCCESS",
  "results": [
    {
      "checkName": "bank-data",
      "fieldName": "personalIban",
      "value": "NL00RABO0123456789",
      "verified": true,
      "verifiedBy": "otentica",
      "verifiedOn": "2025-04-01T09:00:00Z"
    },
    {
      "checkName": "bank-data",
      "fieldName": "personalIbanName",
      "value": "J. de Vries",
      "verified": true,
      "verifiedBy": "otentica",
      "verifiedOn": "2025-04-01T09:00:00Z"
    },
    {
      "checkName": "bank-data",
      "fieldName": "personalIbanCountry",
      "value": "NL",
      "verified": true,
      "verifiedBy": "otentica",
      "verifiedOn": "2025-04-01T09:00:00Z"
    }
  ]
}