Collaterals Registration

Welcome to the RGM - Registo de Garantias Mobiliárias

The RGM is a public registry made available by the State through this web platform that is intended for publicizing of the constitution, modification and extinction of collaterals.

The information contained in the RGM database is of a public nature under the terms of the law.

Access the System

Log In with Autentika

Add a Registry

Fill the collaterals data and the supporting attachments

Pay the Service

Use your card to pay for the service

Issue the Certificate

Get the certificate

Context

Studies carried out show that the Micro, Small and Medium Enterprises sector, which represents 97% of the commercial entities in the country, faces restrictions on access to finance and that the banks installed in the country, would provide more credit if they could guarantee pledges of collaterals under conditions of relative safety.

In the sense that, if a credit is not paid on the agreed terms, the pledged movable asset can be sold efficiently to recover the balance due, this public service is a crucial instrument to improve the business environment in Cape Verde.


Greater legal certainty in the use of callaterals as a guarantee of compliance with obligations

The legal regime that supports the RGM presents a broad concept of movable assets, whether specific or generic, present or future, tangible or intangible, material or immaterial, extending the registration of ownership of movable assets to those of existing movers, cars, ships and aircraft.

A modern Collaterals Registration System

  • Web service, fully electronic and open to consultation

  • The same collateral can guarantee present and future debts

  • Purchased future assets serve as collateral under a prior agreement

  • The same property can guarantee more than one debt

  • Clear priority rules for creditors' rights

  • Non-possessive guarantees must be registered to ensure rights against third parties

  • In case of non-compliance, after notice to the debtor, the guarantee becomes immediately enforceable and the creditor can take protective measures to preserve the collateral given as a guarantee.

  • Assistance in extrajudicial execution

  • Direct sale

  • Acquisition of movable property in execution free of any encumbrance

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