Within the KIBS INFO service, a number of services for exchange of information between the suppliers of data and their users, deriving as a legal obligation or on contractual grounds are provided.

1.    Exchange of information on newly registered legal entities and their alterations between the Central Register of the Republic of Macedonia (CR) - KIBS - operators of the payment transactions and vice versa. In line with the Law on One Stop Shop System and Trade Register and Register on Other Legal Entities, the Central Register, using KIBS INFO, delivers information and documents on persons for entry, requiring from the bank assigned by the person, to communicate the newly registered person’s first transaction account number. Within 24 hours upon the receipt of the reply to the requirement, the Bank delivers via KIBS the requested data to the Central Register. This service is not used for other transaction accounts the participant in payment transactions may use in one or more banks. The participants in this service are the payment transaction operators, KIBS and CR.

2.     Exchange of data on a blocked transaction account of a participant in payment transactions continually for more than 45 days In line with the Law on Payment Transactions the carrier of payment operations, submits electronically via ERTS data on the participants in payment transactions whose transaction accounts have been blocked continually for more than 45 days. The process takes place between the payment transaction operator – KIBS – CENTRAL REGISTER. The participants in this service are carriers of payment operations, KIBS and CR.

3.     Exchange of data for bankruptcy procedure The Central Register, using the KIBS INFO service, submits electronically data on an open bankruptcy procedure in the payment transactions or an open bankruptcy account or data on stopped bankruptcy. The process takes place between CR – KIBS – the payment transaction operator.

4.     Supplying data and information on holding a transaction account at an enforcement agent's request. KIBS provides this service in line with the Law on Enforcement. Under the assigned procedure, KIBS receives from debt collecting agents requests on receipt of data and information on holding transaction accounts with a view of allowing the debt collecting agent to refer properly an enforcement decision to the corresponding bank in the Republic of Macedonia. The request, and accordingly, the reply may be in the electronic or paper format. The debt collecting agent and KIBS are the participants in this service.

5.     Exchange of data on payment transactions issued upon calculation of gross salary KIBS is a part of the national system for gross salaries also aimed at calculating and paying in full net salary and contributions for any employee, where the Public Revenues Office, banks and legal entities are involved. The system enables complete electronic data processing in relation to the calculation, approval, payment, notification, from the beginning all through the end. KIBS provides this service in line with the Memorandum on Cooperation and the Agreement signed between the Ministry of Finance and KIBS. KIBS enables receipt of data on payment transactions from the Public Revenue Office issued upon calculation of gross salary of legal entities and making it available to payment transaction operators when carrying on payment transactions submitted by their clients on the specified grounds. The participants in this service are the Public Revenue Office, KIBS and payment transaction operators (banks).

6.     Processing payment information from mass payments KIBS provides this service to legal entities that are the receivers of mass payments. Depending on a request, the service may be used when receiving a payment transaction prior to or after their executing.

7.     Checking of payment transaction data KIBS offers this service to legal entities requiring to check the existence and the accuracy of related data which is a part of the payment transaction contents. This service is provided upon agreement. The participants in this service are legal entities – users of the service and KIBS.

8.    Exchange of data between the Central Register (CR) and banks, as well all other interested parties, for the changes made in the Register of Legal Entities in order to inform the parties for the newly established entities registered in the Register of Legal Entities and for all changes made regarding the status of the legal entities, including deleting of the entities from the Register.
With the exchanging of data for the status of the Legal Entities (LE), information regarding the current status (up-to-date) of the LEs are distributed from CR to the users of this service (Banks) via KIBS.

By using the service, bank (the user) will regularly receive up-to-date information for the current status of all user’s clients (including information for erased LE or changes made in the current status of the LE). Bank, the user, will receive by will information for the current status of the LE which is not client of the bank (user).

In the process of implementing and operating of this service all procedures and decisions which are in force (in KIBS) will be taken in consideration and will be respected, including the Rulebook of KIBS, Guidelines for type, form and method of data exchange, Technical Instructions for connecting with KIBS and acts to which they refer.

Successful work

KIBS AD Skopje continues with the successful work and positive growth in terms of financial results, scope of work, customer satisfaction and service, and commitment of the management board, management and employees. Success in the operation due to the excellent cooperation with the customer services, the monitoring of the financial sector and responding appropriately to changes and challenges, monitoring and development of information technology, maintaining and raising the level of automation of processes and the application of modern technologies, commitment and concern for the needs and requirements of users and the application of international standards activities.

Informations about Digital certificates

+ 389 (02) 3297 444 + 389 (02) 5513 444
fax:+389 2 3297 497

Direct Debit
KIBS AD Skopje application solution developed to simulate the process of direct debit  under the rules, practices and standards of SEPA. KIBS has signed an agreement with the European Payments Council to use the licenses to the rules, procedures, standards and formats schemes for direct debit. The Simulator is available to all interested parties and they can participate in the role of a bank, debtor or creditor. For more information please contact the e-mail:
Macedonian Credit Bureau AD Skopje

Macedonian Credit Bureau AD Skopje is the first private credit bureau in the country, founded by KIBS AD Skopje.

It`s main function is providing collection and processing data for the entity liabilities and other information determined by the Law of Credit Bureau, in order to provide debt reports and regularity in obligation accomplishment of the entities.

The product of Macedonian Credit Bureau is Report.

For more information please contact the:
phone.:+389 (0)2 3251 280
fax: +389 (0)2 3251 290