Digital services of the financial agency
Public services
FINA (Financial Agency), a Croatian state institution providing services in finance, accounting, and digital business, aims to modernize and improve the business environment. It offers tools such as e-Signature, e-Archive, and e-Invoice, which facilitate compliance with regulations, reduce administrative burdens, and increase business security. In line with digitalization, FINA is developing comprehensive digital public services, which will be discussed further below.
Digital services – public services
The Register of Annual Financial Statements (RGFI) is a public service that provides access to the financial statements of business entities in the Republic of Croatia. Through this register, annual and consolidated financial statements, audit reports, and data on profit distribution or loss coverage for reporting entities are available. The ability to check the financial status of legal entities helps reduce the risk of business failures and unprofitable investments. Additionally, this service allows the submission of annual financial statements.
RGFI Public Disclosure is a service that enables the public disclosure of annual financial statements and other related documentation of business entities. According to the Accounting Act, entrepreneurs are required to submit these reports for publication, ensuring transparency and accessibility of financial data to all interested parties. Public disclosure includes balance sheets, income statements, audit reports (for entities subject to audit), and proposals for profit distribution or loss coverage. The data is available free of charge through the RGFI – Public Disclosure application.
The Unified Register of Accounts (JRR) managed by Fina is a system for recording all bank accounts in Croatia, including accounts of business entities, individuals, and accounts related to public budgets and shared revenue collection. This register contains data such as the personal identification number (OIB), account number, bank name, and account opening date. Information regarding individuals’ monetary funds is not public and is protected under the Personal Data Protection Act. The register also includes information about account blockages and data changes, providing users with easy access via a web application. This register is crucial for financial transparency, with access available through subscriptions on a semi-annual or annual basis.
Register of Concessions is a public service managed by Fina, designed to provide transparency and access to information about all concession contracts in Croatia. Through this register, users can review details about concessions, which include rights to use public goods or services under specific agreements. The data in the register offers insights into the terms, status, and other relevant information regarding concession rights.
The Register of Beneficial Owners is an electronic database operated by Fina on behalf of the Anti-Money Laundering Office, containing information about individuals who ultimately control legal entities in Croatia, including companies, associations, foundations, and similar organizations. All obliged entities, such as companies and other organizations, must enter data about their beneficial owners into the register.
Beneficial owners are defined as natural persons who exercise control over a legal entity, either through ownership of shares or other forms of control. The public can access information free of charge, including the name and surname of the beneficial owner, their country of residence, and the nature of their ownership or control.
Register of lien rights is a database recording encumbrances, rights, or restrictions on movable assets, shares, stakes, and business interests. The register protects creditors by ensuring their rights to assets in case of a debtor’s non-fulfillment of obligations and enhances transparency in the business sector.
The Register of e-Invoice Users is a service for the secure and reliable sending, receiving, and storage of e-invoices. It allows users to create and send e-invoices through the Fina e-Invoice web application or accounting software integrated with Fina e-Invoice. Invoices issued via this service are equivalent to paper invoices. The register also enables users to receive e-invoices.
REGOS (Central Register of Insured Persons) is a system managed by Fina that facilitates the administration and record-keeping of mandatory pension funds for members of the second pillar of mandatory pension insurance in Croatia. REGOS allows for the submission of R-S and R-Sm forms, retrieval of reports on the status of submitted forms, and verification of membership in the second pillar of mandatory pension funds.
Through REGOS, Fina provides key services such as:
- Enrolling new members into mandatory pension funds
- Monitoring contributions to pension insurance
- Changing the selected pension fund,
- Issuing certificates and reports for members and employers.
