onboarding asks how much we expect to grow in coming years, what should I fill in

Growth expectation is an estimate, not an annual figure

Enter what the enterprise itself foresees for the coming period — usually revenue growth in a range, sometimes broken down by staff or by market. There is no source document that "proves" this figure: it is an expectation, not established data like the annual accounts. That is why this field is also not in the chain file with a fixed value attached to it — the system cannot suggest an automatic answer here, because there is no source to refer to.

In case of doubt, the safest entry is a range that aligns with what is already established: if the annual accounts of the enterprise filed show a revenue trend, a growth figure that logically follows from that is better defensible than a loosely estimated percentage. The bank uses this question in client due diligence, not as an assessment of the quality of the enterprise — it is input for the risk profile that is drawn up at onboarding. A cautious or generous estimate is not in itself a problem; what the bank mainly wants to see is that the figure is consistent with the rest of the picture the enterprise gives of itself, including who the ultimate beneficial owners of the enterprise are and how the ownership structure is organized.

Client due diligence under the Wwft, not in the Trade Register

This question stems from the client due diligence that banks must conduct under the Anti-Money Laundering and Counter-Terrorist Financing Act. That investigation is aimed at assessing risk, and a growth expectation belongs to it as an indicator of the nature and scale of the expected business activity — not as data that is officially recorded anywhere. This is different from data from the Trade Register Act 2007, which do have a fixed, retrievable source. Anyone who fills in this type of list more often recognizes the pattern: some fields are facts with a source, others are an estimate that the bank needs for its own file. In case of doubt about exactly what happens with the answer, the confidentiality button is intended to indicate which information should not be shared beyond the bank itself.