Recommended INPS scheme:
SEPARATA
Flat-rate scheme (forfettario)
Eligible for the flat-rate scheme?
Yes
Threshold:
€85,000
Profitability coefficient:
67%
Calculate your taxes
Classification
- OATTIVITÀ AMMINISTRATIVE E DI SERVIZI DI SUPPORTO
- 82Attività amministrative, di supporto per le funzioni di ufficio e altri servizi di supporto alle imprese
- 82.9Servizi di supporto alle imprese n.c.a.
- 82.91Attività di recupero crediti, di informazioni commerciali e di rating
- 82.91.20Attività di raccolta e fornitura di informazioni commerciali e di rating
Description
- compiling and the provision of information (e.g. credit or employment history), for financial institutions, retailers and others who have a need to evaluate the creditworthiness of individuals or businesses
- activities of rating agencies
Exclusion notes
Excluded from class 82.91:
- factoring activities, see 64.92
- assessment and collection of taxes on behalf of third parties, e.g. for local governments, see 84.11
Frequently asked questions
I sell creditworthiness reports on businesses and individuals — which ATECO code applies?
82.91.20. The collection and provision of commercial information on creditworthiness and the activities of credit rating agencies belong here. If, on the other hand, you collect outstanding debts on behalf of clients, the code is 82.91.10.
Rating agency: 82.91.20 or management consulting 70.20.09?
Usually 82.91.20 if you produce and sell credit information and ratings. 70.20.09 covers personalised management consulting for individual clients. The key distinction is whether you sell standardised data and assessments or bespoke advisory services.
I collect employment history data to assess creditworthiness — does this fall here?
Yes. 82.91.20 includes the provision of information on the creditworthiness and professional and employment history of individuals and businesses to parties that need to assess reliability. Processing such data is subject to the rules of the Italian Data Protection Authority (Garante per la protezione dei dati personali).
Replaces the following ATECO 2007 code
This 2025 code replaced the code in force until 31 March 2025:
- 82.91.20— Agenzie di informazioni commerciali(corrispondenza diretta)