Overview

The Czech Insolvency Register (Insolvencni rejstrik, ISIR) is the official public register maintained by the Ministry of Justice of the Czech Republic. It provides comprehensive information about all insolvency proceedings conducted by Czech courts, including bankruptcies (konkurs), reorganizations (reorganizace), and debt relief proceedings (oddluzeni).

ISIR is critical for due diligence, credit risk assessment, and compliance workflows. Any entity -- natural or legal person -- subject to insolvency proceedings in the Czech Republic will be recorded here with full procedural history. The register is updated in near real-time as courts publish decisions, making it one of the most timely public data sources in the Czech legal system.

The Czech insolvency framework, governed by Act No. 182/2006 Coll. (Insolvency Act), provides three resolution paths: liquidation bankruptcy (konkurs), where assets are sold and proceeds distributed to creditors; reorganization (reorganizace), where the business continues under a restructuring plan; and debt relief (oddluzeni), an individual debt discharge mechanism available to natural persons. The choice of path and the progression through each phase is fully documented in ISIR.

Data Coverage

Data Type	Description
Debtor Information	Name, ICO/birth number, address
Proceeding Type	Konkurs, reorganizace, oddluzeni
Proceeding Status	Filed, approved, active, completed, dismissed
Insolvency Administrator	Appointed administrator details
Creditor Claims	Filed claims with amounts and status
Court Decisions	All decisions, orders, and resolutions
Key Dates	Filing, approval, distribution, completion
Distribution Schedule	Creditor payment schedule and fulfillment

Proceeding Types

Type	Czech	Description	Typical Duration
Bankruptcy	Konkurs	Liquidation of debtor's assets	1-3 years
Reorganization	Reorganizace	Business restructuring plan	1-2 years
Debt Relief	Oddluzeni	Individual debt relief (5-year plan)	3-5 years
Moratorium	Moratorium	Temporary protection from creditors	3 months max

Proceeding Status Lifecycle

Each insolvency proceeding follows a structured lifecycle tracked in ISIR:

Status	Description	Significance
Filed	Petition submitted to court	Earliest warning signal
Under Review	Court evaluating petition	Proceeding may be dismissed
Approved	Insolvency declared by court	Entity confirmed insolvent
Method Selected	Konkurs/reorganizace/oddluzeni chosen	Resolution path determined
Active	Claims being filed and resolved	Creditor claims period
Distribution	Assets distributed to creditors	Recovery phase
Completed	Proceeding officially closed	Historical record
Dismissed	Petition rejected by court	No insolvency confirmed

Integration with Prismatic

The Insolvency Register is a core data source for the Prismatic platform's risk assessment and due diligence pipelines, integrated with the Czech registry intelligence layer.

# Search by company ICO
{:ok, proceedings} = InsolvencniRejstrik.search(ico: "12345678")
# => [
#   %{
#     case_number: "KSBR 44 INS 12345/2024",
#     debtor: "Example s.r.o.",
#     ico: "12345678",
#     type: :konkurs,
#     status: :active,
#     filed_date: ~D[2024-01-15],
#     administrator: "JUDr. Jana Novakova",
#     court: "Krajsky soud v Brne"
#   }
# ]

# Search by person name
{:ok, results} = InsolvencniRejstrik.search(
  first_name: "Jan",
  last_name: "Novak",
  birth_date: ~D[1985-03-15]
)

# Get full proceeding details
{:ok, detail} = InsolvencniRejstrik.get_proceeding("KSBR 44 INS 12345/2024")
# => %{
#   case_number: "KSBR 44 INS 12345/2024",
#   debtor: %{name: "Example s.r.o.", ico: "12345678", address: "..."},
#   type: :konkurs,
#   status: :active,
#   creditor_claims: [
#     %{creditor: "Bank A", amount: 5_000_000, status: :accepted},
#     %{creditor: "Supplier B", amount: 1_200_000, status: :disputed}
#   ],
#   court_decisions: [...],
#   key_dates: %{filed: ~D[2024-01-15], approved: ~D[2024-03-01]}
# }

# Quick insolvency check (boolean)
{:ok, check} = InsolvencniRejstrik.check("12345678")
# => %{has_proceedings: true, active_count: 1, historical_count: 0}

# Monitor for new proceedings (webhook-style)
{:ok, _} = InsolvencniRejstrik.subscribe(ico: "12345678", callback: &notify/1)

Credit Risk Assessment Pipeline

defmodule PrismaticPerimeter.Risk.CzechCreditAssessment do
  @moduledoc """
  Assesses credit risk for Czech entities by combining insolvency data
  with company registry information and execution proceedings.
  """

  def assess_credit_risk(ico) do
    with {:ok, insolvency} <- InsolvencniRejstrik.check(ico),
         {:ok, company} <- Ares.get_full_details(ico),
         {:ok, filings} <- JusticeCz.filings(ico),
         {:ok, executions} <- Executors.check(ico) do
      risk_factors = []

      risk_factors =
        if insolvency.has_proceedings do
          [{:insolvency, :critical, "Active insolvency proceeding"} | risk_factors]
        else
          risk_factors
        end

      risk_factors =
        if executions.active_count > 0 do
          [{:executions, :high, "#{executions.active_count} active executions"} | risk_factors]
        else
          risk_factors
        end

      risk_factors =
        if missing_financial_statements?(filings) do
          [{:missing_filings, :high, "Missing annual financial statements"} | risk_factors]
        else
          risk_factors
        end

      {:ok, %{
        ico: ico,
        company_name: company.nazev,
        risk_level: calculate_overall_risk(risk_factors),
        risk_factors: risk_factors,
        insolvency_status: insolvency,
        execution_status: executions,
        recommendation: generate_recommendation(risk_factors)
      }}
    end
  end
end

Creditor Recovery Analysis

For creditors monitoring their claims in active proceedings, ISIR data enables recovery tracking:

Recovery Metric	Description	Typical Range
Konkurs Recovery	Percentage of claims satisfied in liquidation	5-25%
Reorganizace Recovery	Percentage under restructuring plan	30-70%
Oddluzeni Recovery	Individual debt relief satisfaction	30-100%
Administrative Costs	Portion consumed by process costs	10-30%
Time to Distribution	Duration from filing to first payment	6-24 months

Rate Limits and Access

Aspect	Details
Authentication	None required (public register)
API	ISIR REST API available (isir.justice.cz)
Rate Limit	No official limit; responsible use expected
Data Format	JSON (REST API), HTML (web interface)
Cost	Free access
Real-Time	Near real-time updates as courts publish decisions

ISIR REST API

Unlike most Czech public registers, ISIR provides a proper REST API:

GET /isir/doc/isir_ws.html - API documentation
Structured JSON responses
Event-based updates for monitoring
Support for incremental data synchronization

Event-Based Monitoring

ISIR supports event-based monitoring, enabling the Prismatic platform to detect changes as they occur rather than polling:

Event Type	Description	Use Case
New Filing	New insolvency petition submitted	Early warning detection
Status Change	Proceeding status updated	Progress tracking
Claim Filed	New creditor claim registered	Claim monitoring
Decision Published	Court decision issued	Legal event tracking
Administrator Changed	New administrator appointed	Contact update

Use Cases

Credit Risk Assessment

Pre-contract insolvency screening for business partners
Ongoing monitoring of key suppliers and customers
Credit decisioning input for financial institutions
Combine with Executors for complete financial distress picture

Due Diligence

Part of comprehensive Czech entity checks with ARES, Justice.cz, and RZP
M&A target insolvency history verification
Vendor qualification for NIS2 supply chain requirements
Cross-reference with VR.cz for complete entity intelligence

Legal and Compliance

Creditor claim filing monitoring
Insolvency administrator identification
Court decision tracking for ongoing proceedings
Automated compliance monitoring for financial institutions

Market Intelligence

Sector-wide insolvency trend analysis
Early warning indicators for economic stress in specific industries
Geographic distribution of insolvency proceedings
Seasonal patterns in bankruptcy filings

ARES - Czech business register aggregator
Justice.cz - Commercial Register with filings
RZP - Trade Licensing Register
VR.cz - Czech Business Registry
Executors - Enforcement proceedings data
EU Sanctions - Sanctions screening for compliance

OSINT Core - Core OSINT framework and adapter layer
Prismatic Perimeter - Insolvency data in credit risk ratings

Connect & Contribute

Created by Tomáš Korcak (korczis) | Open Source under GHL

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Insolvency Register

Capabilities

Try Insolvency Register

Overview

Data Coverage

Proceeding Types

Proceeding Status Lifecycle

Integration with Prismatic

Credit Risk Assessment Pipeline

Creditor Recovery Analysis

Rate Limits and Access

ISIR REST API

Event-Based Monitoring

Use Cases

Credit Risk Assessment

Due Diligence

Legal and Compliance

Market Intelligence

Connect & Contribute

Intelligence Network

Related Content

Agent Ecosystem

Applications

Doctrine

Insolvency Register

Capabilities

Try Insolvency Register

Overview

Data Coverage

Proceeding Types

Proceeding Status Lifecycle

Integration with Prismatic

Credit Risk Assessment Pipeline

Creditor Recovery Analysis

Rate Limits and Access

ISIR REST API

Event-Based Monitoring

Use Cases

Credit Risk Assessment

Due Diligence

Legal and Compliance

Market Intelligence

Related Sources

Related Platform Components

Connect & Contribute

Intelligence Network

Related Content

Agent Ecosystem

Applications

Doctrine