RUBINLAKE vs Creditreform
Creditreform secures what comes after the deal. RUBINLAKE helps you find the right customers before it. Find out which tool fits your task, and why many teams use both.
Will this customer pay, and what do I do if they don't?
Business credit reports with a credit index and default probability, payment behaviour, monitoring, debt collection and factoring. Through membership and local offices.
Which company has a reason to talk now, and whom do I contact there?
Market intelligence for winning new customers: search in whole sentences, lookalikes, 82 signal types for sales and procurement, verified contacts and an AI assistant. From €59 a month.
Facts as of September 18, 2026
Task check
What do you need to get done?
Pick your task. We tell you which tool is the better fit, even when it is not ours.
- Creditreform
- RUBINLAKE
- A draw
Better fit
RUBINLAKE
- Creditreform
- 55
- RUBINLAKE
- 90
The bars show how well a tool fits this one task. It is our assessment, not a measurement and not an overall score.
RUBINLAKE is the better choice here.
- Search in whole sentences, lookalikes with a Lookalike Score and filter suggestions
- Creditreform offers about 5.6M verified addresses with about 100 filters
One company, two views
The credit view and the market view
Isartal Robotik AG is a fictional example. The credit view shows whether the company can pay. The market view shows whether now is the right moment to reach out, and who decides.
Will this customer pay?
Typical credit extract, simplified
Isartal Robotik AG, Munich
- Credit index
- 182, very good creditworthiness
- Default risk
- 0.4% over 12 months
- Payment behaviour
- within agreed terms
- Credit limit
- €250,000
- Monitoring
- active, 12 months
- 2026-03-02 Annual accounts 2024 evaluated
- 2025-11-18 Capital increase, index improved
Is now the moment to reach out?
Sales perspective · Structure & growth
New site in Leipzig announced, 60 jobs planned. Priority 82, three sources.
- Head of ProcurementEmail verified, mobile available1 credit
- Head of OperationsEmail verified1 credit
Simplified illustration with sample data and a fictional company. The extract does not show any particular provider's report. RUBINLAKE does not rate creditworthiness.
Strengths
Where each tool is stronger
We start with Creditreform. Knowing the other tool's strengths makes ours easier to judge.
Where Creditreform is stronger
- Creditworthiness and default riskA credit index from 100 to 600 with a 12-month default probability. RUBINLAKE does not rate creditworthiness.
- Payment experienceInformation on payment behaviour, complemented by the Debitorenregister Deutschland.
- Collection, factoring, insuranceThe whole path after the invoice, from open items to worldwide debt collection.
- International reportsReports on 88M companies from 35 countries online.
- In person, locally128 local offices in Germany, plus integrations with SAP and Microsoft Dynamics.
Where RUBINLAKE is stronger
- Start now, prices in the openFrom €59 a month, 7-day free trial, no membership. Creditreform publishes no nationwide price list.
- Find new customersSearch in whole sentences, lookalikes with a Lookalike Score and filter suggestions, instead of address lists by industry code.
- The right moment82 event types from the news with priority and sources, from the sales or supplier perspective.
- Contacts on demandVerified email for 1 credit, mobile number for 5 credits, right on the profile and in your CRM with one click.
- An AI assistant that actsBuilds lists, scores companies, drafts messages, account plans and market reports.
All criteria
The comparison in detail
Creditreform facts from the provider's public pages, as of September 18, 2026. Shaded cells show which side has the edge.
- available
- partly
- not available
| Criterion | Creditreform | RUBINLAKE |
|---|---|---|
| Data and coverage | ||
| Companies | availableReports on 88M companies from 35 countriesSource | partly7M+ with a focus on DACH |
| People and decision-makers | partlyAbout 4.2M decision-makers in the address dataSource | available47M+ profiles with role, skills and career history |
| Financial data | availableBalance sheet data and business figures in the reportSource | availableBalance sheet and P&L read from annual accounts by AI |
| Credit and risk | ||
| Credit index | available100 to 600, with default probabilitySource | not availableNot available |
| Payment behaviour | availableIn the report, complemented by the DebitorenregisterSource | not availableNot available |
| Collection and factoring | availableWorldwide debt collection, factoringSource | not availableNot available |
| Find and reach out | ||
| Search | partlyAddress selection with about 100 filters and 5,500 industriesSource | availableSearch in whole sentences, 25+ filters, a map |
| Similar companies | not availableNot describedSource | availableLookalikes with a Lookalike Score |
| Contact data | partlyDecision-makers in the address dataSource | availableVerified email 1 credit, mobile 5 credits, one at a time |
| AI assistant | not availableNot describedSource | availableLists, scoring, messages, account plans |
| Monitor | ||
| Monitoring | availableCredit changes, 12 months in the reportSource | available82 event types from the news, daily summary |
| Perspectives | partlyRiskSource | availableSales and supplier |
| Hand over | ||
| Systems | availableSAP, Microsoft Dynamics, Windows, CrefoSystemSource | partlyHubSpot, Pipedrive and Zoho, from Premium |
| Personal advice | available128 local offices in GermanySource | partlySupport by plan |
| Terms | ||
| Prices | not availableNo nationwide price list, on requestSource | available€59, €199 and €449 a month |
| Getting started | partlyMembership through the local officeSource | availableOnline right away, 7-day trial |
All information without guarantee. Creditreform publishes no nationwide price list, so we compare only the terms the provider itself states. Report a mistake
Both together
RUBINLAKE before the deal, Creditreform after it.
Most companies that sell to other companies already work with a credit bureau. RUBINLAKE starts earlier, with the question of who should become a customer at all.
- RUBINLAKE1FindTarget accounts by sentence and lookalikes.
- RUBINLAKE2Reason and contactSpot the signal, unlock decision-makers, hand over to the CRM.
- Creditreform3Check creditworthinessBefore the offer: index, payment behaviour, credit limit.
- Creditreform4SecureMonitoring, debt collection and factoring.
Pricing
Prices compared: what each provider publishes itself
Creditreform works with memberships through its local offices and publishes no nationwide price list. RUBINLAKE publishes every price and can be tried free for 7 days. We compare only what both providers state themselves.
Creditreform
- Membership
- on request
- Through the local office
- Business credit report
- on request
- With credit index, twelve months of monitoring included
- Addresses
- CrefoAddress
- About 5.6M B2B addresses from Germany and Austria
- Advice
- 128 local offices
- In person, across Germany
Debt collection, factoring and insurance are available on top, also by quote.
Source: www.creditreform.de · Facts as of September 18, 2026
RUBINLAKE
- Essential, 1 seat, 500 credits
- €59 / month
- Premium, 3 seats, 2,000 credits
- €199 / month
- Enterprise, 10 seats, 5,000 credits
- €449 / month
- Annual billing
- about 20% cheaper
- Credits come as an annual balance instead of monthly.
- Trial
- 7 days free
- No credit card, with 60 credits, 25 contacts and 10 companies.
Signals are included in every plan. No membership needed.
If you mainly want to know whether a customer can pay and to secure your receivables, Creditreform fits. If you want to find new customers and reach them at the right moment, RUBINLAKE fits. Many teams need both.
Transparency
We love transparency. That is why this page also says where others are better.
Competitive intelligence is what RUBINLAKE does every day for sales, procurement and recruiting teams. We hold ourselves to the same standard: public sources, a date and an honest verdict for every task.
Questions about Creditreform and RUBINLAKE
For winning new customers, yes: RUBINLAKE finds target accounts, spots reasons to reach out and delivers verified contacts. For credit checks, payment behaviour and debt collection, Creditreform is the right tool. RUBINLAKE does not offer these.
No. RUBINLAKE shows figures from annual accounts such as revenue or equity ratio, but calculates no credit index and no default probability. That is a job for a credit bureau like Creditreform.
Creditreform publishes no nationwide price list. Membership and reports are agreed through the local offices by quote. RUBINLAKE costs €59, €199 or €449 a month and can be tried free for 7 days.
With CrefoAddress, Creditreform offers about 5.6M verified addresses with about 100 filters. RUBINLAKE adds search in whole sentences, lookalikes and signals from the news, and delivers contact data one at a time on demand. If you search by reason and similarity, RUBINLAKE is the better fit.
Yes, they complement each other well. RUBINLAKE helps before the deal with finding and reaching customers. Creditreform checks creditworthiness afterwards and secures receivables.
No. You sign up online, try it free for 7 days and then choose a plan from €59 a month.
Yes, for 7 days free, with no credit card and every feature. The trial includes 60 credits, enough for your first verified contacts.
Find the customers whose credit you will check tomorrow.
7 days free, with every feature and no credit card.