Financial questions: what is RAI?
Posted: Thu Dec 26, 2024 3:28 am
As with the CIRBE , the RAI is a term that is rarely used in universities and yet is basic in the reality of the finances of any company or self-employed person. In fact, it is one of the things that your bank will look at when you apply for financing. For this reason, and as with the CIRBE, it is important that you know if you have any RAI because otherwise you would be making a big mistake when applying for financing, because your application would be rejected with total certainty.
The RAI is a register of unpaid shares, which is consulted to see the solvency of a company based on its history of unpaid debts, since its objective is to improve commercial traffic by avoiding unpaid debts , something that can lead to the closure of many businesses. Unlike other registers of unpaid debts, the RAI only affects legal entities (public limited companies, limited liability companies, etc.) and for operations of an amount equal to or greater than 300.50 euros .
Furthermore, these operations must belgium whatsapp number data have been accepted by the debtor, so only those in which the debtor's signature appears are included. This is very common in bills of exchange, promissory notes, or checks. Previously, information on this type of non-payment was only known by credit institutions, since, as I said, it is key information when granting financing. If the applicant has a non-payment, it does not matter what the rest of the documentation or data says, the operation is denied.
To make a query in the RAI, it must be done through the CIF of the company that we want to analyze, obtaining the amount pending payment as well as the number of annotations. Creditors and solvency analysis companies can access the RAI information online and according to the rates set by the RAI file. There are also other ways to access the RAI information, such as through third parties such as Axesor , which offer reports but also warn that the information must be consulted for monitoring or credit study purposes as well as protecting said information from access by third parties, given its sensitivity.
The RAI is a register of unpaid shares, which is consulted to see the solvency of a company based on its history of unpaid debts, since its objective is to improve commercial traffic by avoiding unpaid debts , something that can lead to the closure of many businesses. Unlike other registers of unpaid debts, the RAI only affects legal entities (public limited companies, limited liability companies, etc.) and for operations of an amount equal to or greater than 300.50 euros .
Furthermore, these operations must belgium whatsapp number data have been accepted by the debtor, so only those in which the debtor's signature appears are included. This is very common in bills of exchange, promissory notes, or checks. Previously, information on this type of non-payment was only known by credit institutions, since, as I said, it is key information when granting financing. If the applicant has a non-payment, it does not matter what the rest of the documentation or data says, the operation is denied.
To make a query in the RAI, it must be done through the CIF of the company that we want to analyze, obtaining the amount pending payment as well as the number of annotations. Creditors and solvency analysis companies can access the RAI information online and according to the rates set by the RAI file. There are also other ways to access the RAI information, such as through third parties such as Axesor , which offer reports but also warn that the information must be consulted for monitoring or credit study purposes as well as protecting said information from access by third parties, given its sensitivity.