A complete solution with 9 modules

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

  • CAP-PCC : Communication with the Central Point of Contact of the National Bank of Belgium
  • CKP-CCP : Central Individual Credit Register
  • CKO-CCE : Central Corporate Credit Register
  • INS : Communication to insurers
  • DAS : Communication regarding Dormant Assets
  • IDT : Identifin interrogation
  • MOB : Banking Mobility
  • BIP : Business Information Providers
  • BCR : Belgian Extended Credit Risk Information System (BECRIS - ANACREDIT)

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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