BKR assessment If you have a negative BKR code, it is not possible to qualify for a loan through us. All loans and credits that you take out are registered at the BKR in Tiel. Even if you are in arrears on a loan on a loan of 2 months or longer, the registration will also make a late notification. When this is the case, there is a negative BKR coding. Even when the arrears have been made up and the loan has been repaid in full, the arrears notification remains in the register for another 5 years.