Business Credit Reports on UAE-Registered Companies
Independent, licensed commercial credit reports to help you extend trade credit, onboard B2B customers and run due diligence with confidence — across the UAE and the wider GCC.
For commercial / B2B use only. Decol does not issue consumer credit reports — those are produced solely by Al Etihad Credit Bureau.
A clear, decision-ready view of your counterparty
Each report consolidates registry data, financial filings, payment behaviour and public-record screening into a single document with a recommended credit limit and risk grade — so your finance and credit teams can act on it the same day.
- Trade licence, registration & legal status verification
- Shareholding structure, UBOs & group affiliations
- Audited financial highlights (where publicly disclosed)
- Payment behaviour indicators from trade-reference network
- Court records, judgments & insolvency filings (public sources)
- Sanctions, PEP & adverse-media screening
- Recommended credit limit & risk grade (1–10 scale)
Data points that actually matter in a UAE credit decision
A UAE business credit report is only useful if it reflects how companies are actually licensed, structured and litigated here. Every Decol report is produced with UAE registries, courts and regulatory frameworks in mind — not a generic global template.
Mainland, Free Zone & Offshore coverage
Reports cover DED-mainland companies, all major free zones (DMCC, JAFZA, DIFC, ADGM, DAFZA, SHAMS, IFZA, RAKEZ, etc.) and offshore entities — with the correct registry mapped per jurisdiction.
Trade licence & establishment card verified
We validate the current status of the trade licence, activity codes, expiry date and establishment card against the issuing authority before any risk grading is applied.
UBO & shareholder chain
Aligned to UAE Cabinet Decision 58/2020 on Real Beneficial Owners — we map shareholders and Ultimate Beneficial Owners, flagging nominee structures and undisclosed control.
Bounced cheques & UAE court exposure
Public-record screening for civil, commercial and cheque-related cases before Dubai Courts, Abu Dhabi Judicial Department and other GCC forums — reflecting 2022 Commercial Transactions Law reforms.
Clearly stated deliverables — every report, every time
You get a structured PDF (English, Arabic on request) delivered via encrypted channel, plus a machine-readable summary on API/enterprise plans. Below is exactly what's inside — no surprises, no vague sections.
- 01
Executive summary
One-page snapshot with recommended credit limit (AED), Decol risk grade (1–10) and payment-behaviour indicator — designed for credit-committee sign-off.
- 02
Identity & licensing
Legal name (EN/AR), trade licence number, issuing authority, licence status & expiry, activity codes, registered address and establishment card.
- 03
Ownership & management
Shareholders, UBOs (per Cabinet Decision 58/2020), directors, authorised signatories and group/affiliate structure.
- 04
Financial position
Audited figures where publicly disclosed (revenue, equity, working capital, leverage) plus qualitative commentary from the analyst.
- 05
Payment behaviour
Trade-reference indicators from our reciprocal network — days-beyond-terms trend, disputes, cheque returns and settlement history.
- 06
Public-record screening
UAE court judgments, insolvency filings, sanctions lists (UN, OFAC, EU, UK, UAE), PEP status and adverse-media findings.
- 07
Risk opinion & credit limit
Analyst rationale, recommended AED credit limit, suggested payment terms and any conditions (e.g. PDC, LC, guarantees).
Every deliverable is produced under UAE Federal Decree-Law 45/2021 (PDPL). Personal data on individuals (directors, UBOs) is limited to what is lawful and necessary for the stated commercial purpose. Decol does not issue consumer credit reports — those remain the exclusive remit of Al Etihad Credit Bureau (AECB).
Built for the moments that put your receivables at risk
Onboarding new B2B customers
Validate a prospective buyer before extending open-account terms or signing a long-term supply agreement.
Setting & reviewing credit limits
Anchor your credit-limit decisions in independent financials and a documented risk grade — not gut feel.
Cross-border trade
Vet GCC, MENA and international counterparties through one workflow with consistent risk scoring.
Tender & vendor due diligence
Screen bidders and suppliers for sanctions, adverse media and undisclosed beneficial ownership.
Lawful sources, permissible purpose, regulated operations
Credit data is sensitive. We treat it that way. Every report is produced under a licensed UAE entity, sourced from lawful registries and trade-reference networks, and delivered under data-protection terms aligned with UAE PDPL and GDPR.
Licensed UAE operations
Reports are produced through ICG Middle East Commercial Services FZCO, a DMCC-licensed entity in Dubai.
B2B / commercial data only
We do not issue consumer credit reports. Personal credit information on UAE residents is the exclusive remit of Al Etihad Credit Bureau (AECB).
Lawful sources & permissible purpose
All data is sourced from registries, audited filings, court records and reciprocal trade-reference networks — never from unlawful or hacked sources. We require a stated permissible purpose for every order.
UAE PDPL & GDPR aligned
Our handling of personal data within commercial reports follows UAE Federal Decree-Law 45/2021 (PDPL) and, where applicable, EU GDPR principles of data minimisation and purpose limitation.
From request to report — the six-step UAE process
Each stage is documented, auditable and compliant with UAE PDPL and DMCC licensing requirements. Typical end-to-end turnaround is 24–72 business hours for UAE-registered subjects.
- 01
Submit the subject
Share the company name (EN/AR), trade licence number if known, jurisdiction (mainland / free zone / offshore) and your permissible-purpose statement.
- 02
KYC & permissible purpose
We validate your entity and the stated lawful basis for the report (credit decision, KYC, due diligence, tender vetting) under UAE PDPL Article 4.
- 03
Registry & licensing check
Analyst verifies the trade licence, establishment card, activity codes and legal status directly with the issuing authority (DED, DMCC, JAFZA, DIFC, ADGM, RAKEZ, etc.).
- 04
Ownership, financial & court review
Shareholders and UBOs mapped, audited financials collated where publicly disclosed, and UAE court / insolvency / cheque records screened.
- 05
Sanctions, PEP & adverse-media screening
Screening against UN, OFAC, EU, UK and UAE lists plus PEP databases and adverse-media sources. Any hits are analyst-reviewed, not just algorithmic.
- 06
Risk grading & delivery
Analyst assigns a 1–10 risk grade, a recommended AED credit limit and suggested terms. Report delivered via encrypted channel within 24–72 business hours.
Common questions about UAE business credit reports
- Is this the same as an Al Etihad Credit Bureau (AECB) report?
- No. AECB is the UAE's federally-mandated bureau for consumer and bank credit data. Decol provides commercial business intelligence reports on companies — covering licence status, ownership, financials, payment behaviour and risk scoring — for B2B credit and due-diligence decisions.
- Can you report on a company outside the UAE?
- Yes. Through the Infocredit Group network and reciprocal partners we can produce credit reports on companies in 190+ countries, with consistent risk grading.
- How fast can I receive a report?
- Standard turnaround for UAE-registered companies is 24–72 business hours. Express options are available for urgent decisions.
- Do I need consent from the subject company?
- For commercial reports on legal entities, consent of the subject company is not required under UAE law, provided the report is used for a permissible commercial purpose (e.g. credit risk, KYC, due diligence). Consent rules differ for any personal data on individuals included in the report.
- What information do I need to provide to request a UAE business credit report?
- At minimum: the subject company's legal name (English and Arabic if available), its trade licence number or the emirate/free zone of registration, and a brief permissible-purpose statement (e.g. credit decision, tender vetting, KYC). Anything else — website, key contacts, invoice amount at risk — helps but is optional.
- What is the turnaround time for a Dubai business credit report?
- Standard turnaround is 24–72 business hours for Dubai-registered companies (DED-mainland, DMCC, JAFZA, DIFC, DAFZA and other free zones). Express same-day delivery is available on request where public registries and financial disclosures allow.
- Which UAE businesses are eligible to order a report?
- Any legally-registered UAE entity with a valid commercial reason to assess a counterparty — banks, insurers, trading companies, contractors, logistics operators, law firms, auditors and government entities. We KYC every client before onboarding and require a signed service agreement and permissible-purpose statement.
- Can I order a report on a Dubai free zone company (DMCC, JAFZA, DIFC, DAFZA)?
- Yes. We cover every major Dubai free zone including DMCC, JAFZA, DIFC, DAFZA, Dubai South, DSO, DMC and the SHAMS/IFZA free zones. Data is verified with the relevant free-zone authority and registrar of companies.
- Do you cover sole establishments and civil companies, not just LLCs?
- Yes — LLCs, sole establishments, civil companies, branches of foreign companies, free-zone establishments (FZE), free-zone companies (FZC/FZ-LLC) and offshore companies (JAFZA Offshore, RAK ICC, Ajman Offshore) are all in scope.
- How much does a UAE business credit report cost?
- Pricing depends on jurisdiction, depth (standard, enhanced, monitored) and turnaround. Standard UAE reports start from a fixed per-report fee; enterprise clients typically move to a monitored-portfolio subscription. Request a quote for exact pricing.
- Is the report legally admissible in UAE courts?
- The report itself is business intelligence, not a court instrument. However, because sources (trade licences, court records, sanctions lists) are individually verifiable, the report is regularly used to support demand letters, credit-committee minutes and pre-litigation briefs before Dubai Courts and other UAE forums.
- Can the report be issued in Arabic?
- Yes. Reports are issued in English by default and can be produced bilingually (English + Arabic) on request — useful for internal credit committees, legal counsel and regulator submissions.
Pair your credit report with the right next step
A credit report is one input in your receivables workflow. Explore how Decol supports the rest — from recovery on overdue invoices to broader credit intelligence and our international coverage footprint.
Debt collection in Dubai
Licensed B2B recovery on bounced cheques, unpaid invoices and cross-border claims — under UAE law.
Explore serviceCredit intelligence
Ongoing monitoring, portfolio scoring and KYC/due-diligence reports beyond a single snapshot.
See credit servicesGlobal coverage
GCC, MENA and 190+ countries through the Infocredit Group network and vetted partners.
View coverageReady to credit-check a UAE company?
Tell us the subject company and the decision you're making. We'll come back with a quote, expected turnaround, and a sample report on request.