Debt recovery · Czechia and Slovakia
Debtor creditworthiness checks
The most expensive recovery is where the debtor cannot pay even after a successful judgment. Before a larger deal, at the first unpaid invoices or before deciding to bring a claim, we check the other party in Slovak and Czech registers, from financial statements, enforcement and insolvency to personal connections. We give you a practical recommendation: trade, obtain security, recover immediately or save the money you would spend on proceedings.
- Slovakia and Czechia through one firm
- A report with conclusions and recommendations
- Fees agreed in advance
What we'll do for you
Registers reveal more about companies than it might seem, but only if read together. An individual extract tells you little; a picture emerges by combining accounts, enforcement, connections and the sequence of changes over time.
Select an item to see the details.
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Registers and records in Slovakia and Czechia
Commercial registers, the register of financial statements, insolvency registers, central enforcement records, tax authority and insurance debtor lists, and the register of public sector partners, covering both countries at once.
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Reading financial statements
Revenue, liabilities, equity and their trends over time. A company with rising liabilities and falling equity is a different debtor from one experiencing a one-off shortfall.
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Signs of insolvency and evasion
Frequent changes of registered office or directors, share transfers to front persons, new companies set up by the same people: patterns preceding insolvency appear in registers before they show up in invoices.
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Personal and ownership connections
Who is behind the company, which other companies they are involved in and how those companies fared. Statutory officers' histories are often the best predictor of a debtor's behaviour.
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Conclusion and recommendation
The report ends with a clear recommendation: whether to trade and with what security, whether to recover and by which route, or whether to avoid spending more money. Based on figures, rather than impressions.
Deliverablea written creditworthiness report with specific recommendations on next steps
How it works
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- Instructionday 0
Send us the registration number and purpose of the check. We confirm the price and report delivery date.
- Searches and analysis
We review registers and records in Slovakia and Czechia, accounts and connections. Where matters are unclear, we seek further information directly from public sources.
- Report with recommendationswithin a few days
You receive a written report with findings and a specific recommendation. If it identifies a further step, such as security, a demand or a claim, we can follow up immediately.
No-obligation enquiry
Ready to start?
Send us an enquiry. We reply within 24 hours with a price confirmation and next steps. The first 30-minute consultation is free and commits you to nothing.
- 1Send your enquiry via this form
- 2Within 24 h you get a price confirmation and plan
- 3We start work only after your approval
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Prefer to book a time right away? Book a consultation →
Or email us about this matter.
What clients ask
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What can public sources reveal about a company?
A surprising amount: financial statements showing revenue and liabilities, enforcement, insolvency proceedings, tax and contribution debts to the state, changes in statutory officers and shareholders over time, connections to other companies, and whether the company is a public sector partner. The value lies in combining the extracts into a picture, rather than in individual records.
When is a check most worthwhile?
At three points: before the first major deal with a new partner, when payment problems first arise and you must decide whether to apply more pressure, and before filing a claim when considering whether proceedings are worthwhile. After a final judgment, creditworthiness is already a matter for the enforcement officer; by then, it is too late for strategic decisions.
Will you also check an individual or sole trader?
Yes, within the scope of publicly available sources: the trade register, enforcement, bankruptcy and personal bankruptcy, and connections to companies. Public sources are more limited for individuals than companies. We explain in advance what can and cannot be established.
Is the check lawful? Will the subject find out?
We work exclusively with public registers and records established for this purpose. The subject will not learn about the search and no consent from them is required.
What if the check shows that the debtor has nothing?
That is also a valuable result, saving you a court fee and years of fruitless proceedings. In such cases, the report also sets out the remaining options: assignment of the claim, monitoring the debtor over time, lodging a claim in any bankruptcy or assessing statutory officers' liability.
How much does a check cost?
We confirm the price in advance according to scope. A one-off check of one company is a quick, affordable service; recurring customer checks can be arranged for a flat fee. The agreed price applies.
Legal Q&A
Common questions on this topic
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Our debtor obtained a personal bankruptcy discharge. Is our claim permanently lost?
Not necessarily. Discharge makes the claim unenforceable against the debtor but does not extinguish it: voluntary payment remains possible, as does recovery from a guarantor or security. Statutorily listed claims remain unaffected, including child maintenance and intentionally caused damage. If the debtor lacked honest intent, discharge may be challenged within six years.
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How do we check a new customer before supplying on credit?
Before the first credit delivery, review public registers: the Commercial Register and document collection, financial statements, Financial Administration lists of tax debtors and VAT deregistration grounds and its tax reliability index, the Central Register of Enforcement, insolvency records and the Commercial Bulletin, and social and health insurance debtor lists. It takes about fifteen minutes and guides terms such as advance payments, retention of title, shorter maturities or security.
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When does a claim become time-barred?
An ordinary civil claim becomes time-barred after three years; a claim between businesses arising from a commercial relationship after four. Time runs from when the right could first be exercised, generally when due. Limitation does not extinguish the claim, but if the debtor raises it in court, the court will not award the time-barred right. For consumer agreements, however, Section 54a precludes enforcement of a time-barred right even without such a defence. Debt acknowledgement and timely pursuit in court affect limitation differently under the applicable regime.
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Further reading
Debt recovery audit: eight questions showing how much money your business leaves uncollected
Invoices becoming time-barred this year, unclaimed interest and fixed compensation, reminders without legal effect and insolvencies discovered too late. Eight questions reveal where recovery loses money, with links to detailed guidance.
Read more →
When a director pays the company’s debts: three routes for creditors
A claim against an empty s.r.o. may still be recoverable. Slovak law allows creditors to claim damages directly for a late bankruptcy petition and to pursue the company’s claim against its managing director. Czech law provides statutory liability for company debts and late insolvency petitions.
Read more →
Damages under the new rules: what can and cannot be agreed
The new Civil Code addresses long-disputed questions about damages: advance waivers, disguised late-payment interest and non-pecuniary claims for breach of contract. Liability limitation clauses will have clear rules.
Read more →