A complete solution with 9 modules

The design of CoCPit allows any module or combination of modules to be part of the installed solution :

  • CICR (CKP-CCP) : Central Individual Credit Register of the NBB. In order to tackle excessive indebtedness, recommendations and rules must be followed and respected by financial institutions. One of the mandatory actions that a financial institution must undertake is to send information regarding its loans to the Central Credit Registers (Individuals and Corporates) of the National Bank of Belgium. Furthermore depending on the type of loan, consultation of the Central Credit Register is mandatory before any new loan can be granted.
  • CCCR (CKO-CCE) : Central Corporate Credit Register of the NBB
  • INS : Communication to credit insurers. It is frequent that financial institutions request the service of a credit insurer to avoid suffering from any loss arising from borrowers’ insolvency. Information about the operations concerned are then regularly exchanged with the credit insurance company (such as Atradius, Euler Hermes, etc.).
  • BCR : Belgian Extended Credit Risk Information System (Becris - AnaCredit). This new module allows financial institutions to respect Becris - AnaCredit regulation in the Belgian context, consisting in reporting professional and, in a later stage, private loans to the NBB which, on its turn, reports to the European Central Bank.
  • MOB : Banking Mobility. The banking mobility module allows the financial institutions to transfer, at the request of the final customer, his bank accounts and payment orders to another institution within an automated framework, while respecting the regulations and offcial imposed delays. This is realized by automatically exchanging  the concerned files via Febelfin.
  • DAS : Communication regarding Dormant Assets. In order to handle unclaimed dormant assets, the financial institutions are required to contact the assets’ holders and beneficiaries. They therefore send requests to the national client registers (National Register of Belgium, CDV/CDO, through IDENTIFIN) to get some extensive information on these stakeholders. In case the financial institutions have not received any positive answer from the assets' holders, they contact the Deposit and Consignment Office and send them the required information concerning the holders and dormant assets.
  • IDT : Identifin interrogation. Apart of the Dormant Assets motive, the National Register can also be queried through Identifin for AML motives and for CPC (Central Point of Contact) purposes.
  • BIP : Business Information Providers. This module automates the collection of corporate information coming from business information providers (e.g. Graydon), allowing financial institutions to integrate this information in their own business models.
  • CPC (CAP-PCC) : Communication with the Central Point of Contact of the National Bank of Belgium. This ias a national register hosted at the National Bank of Belgium and containing bank accounts and contracts held by both resident and non-resident persons. Each year, the financial institutions have to communicate data regarding the identity of their clients, the identification of the clients’ bank accounts and the types of contracts that were in force in the previous year. As a consequence of the latest legal evolutions MAINSYS proposes the new version of this module, called PCC2, covering a large series of modifications that can be categorized in three areas. First, more institutions will have to report to the NBB (a.o. insurance and leasing companies). Second, more data will need to be reported. And third there will be a new reporting frequency that is incremental. Finally the communication management will be totally reviewed.


A large functional coverage


CoCPit collects information regarding the financial products and their stakeholders, controls the information and sends it, depending on the module, to Central Credit Registers, credit insurers, the Deposit and Consignment Office (CDV/CDO). The feeding process is done following the required specifications and protocols of those third-party institutions. A high level of automation is present throughout all process stages.


CoCPit sends queries to Central Client and Credit Registers, credit insurers, National Register of Belgium or business information providers in order to retrieve specific or even global information about the financial products and their stakeholders. The results are controlled, stored in CoCPit and become ready for consultation.
Moreover the results can be sent back to the financial institution information systems. This represents a real added value for the product manager as the results may influence their decisions. Queries can be scheduled to be generated either automatically or on demand through CoCPit on-line functionalities. Queries can be grouped in order to be cost efficient.


CoCPit offers a console and several visual functionalities to allow the communication manager to control the different stages of the feeding and questioning processes. Inflow and outflow messages are controlled, statuses are checked, logical and technical errors are tracked and handled.

Correct and improve

Every single feeding message or query is recorded and controlled by the Central Client and Credit Registers, the credit insurers, the Deposit and Consignment Office. In case of a negative response -- this could be a rejection by one of those third-parties -- CoCPit leads to the appropriate corrective functionalities. Then the messages and queries are recycled and the communication ends up by a success.

Furthermore the third-parties have encouraged CoCPit to develop their business validations and correction functions within CoCPit. This has strongly improved the efficiency of the communication process.


Each information flow that passes through CoCPit from financial institutions to third-parties and vice-versa leaves numerous marks in CoCPit. All the business information remains accessible and can be exploited on-line or by background processes without penalizing the operating tasks.


CoCPit now handles numerous types of feeding messages or queries between financial institutions, client and credit registers, credit insurers, the Deposit and Consignment Office. The range of the reports that can be generated has now broadened. Morever the configuration of the data warehouse opens the doors for further development.


CoCPit has been designed to have a large degree of configuration. Not only users, user groups, company visibility accesses and security rights can be configured but also values involved in the feeding, questioning, driving or other business processes. Visual functionalities allow appropriate users to easily manage the configuration.

All those functional components are available for any of the CoCPit modules throughout all the stages of the credit lifecycle: underwriting, approval, reimbursement, default and recovery…

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