BIK scoring, how calculated?

Dear community, i have financial question.

I have BIK scoring 68, quite low , but not bad. It was year ago. I never was late to pay, but scoring is so-so because I have quite big amount to pay out (2 consumer loans and one mortgage for apartment)

I paid out 2/3 of total amount of my loan. Despite of that, my BIK scoring still 68, and didn't change , same as it was year ago

Shouldn't it proportionally increase, as my amount of debt decreased? It would be logical. Or it is only changed after complete payout?