B2B credit risk scoring: decisions in under 2 seconds
Our credit scoring engine combines artificial intelligence, machine learning and hundreds of real-time data sources to assess the risk of every B2B buyer with precision that traditional methods cannot match.
Request demo →Deciding blind is the most expensive luxury in B2B
Without robust scoring, every credit sale is a gamble. And B2B gambles are paid with defaults, cash tension and good clients you reject for lack of information.
You approve clients by intuition
Without enough data, credit decisions rely on the sales rep's gut feeling, a quick internet search or "they seem reliable". That works until it doesn't.
You reject good clients
Without precise scoring, you apply overly conservative criteria and reject solvent companies that would have paid without issue. Every good client you reject is a sale you lose.
Days to evaluate, seconds to lose the sale
Requesting credit reports, manually checking bureaus, waiting for the insurer's response. Meanwhile, your client buys from the competition. In digital B2B, those who hesitate lose.
Static models that age badly
A credit report from 6 months ago doesn't reflect a company's current situation. Static models don't detect early deterioration signals. By the time you find out, the default has already happened.
We do not assess with one source. We cross-check dozens in real time.
Every query triggers a cross-verification process combining financial, corporate, behavioural and sector data from multiple providers simultaneously.
Company registries
Corporate data, directors, share capital, company age and legal structure across Europe.
Credit bureaus
Solvency reports, external scoring, payment history and risk alerts from leading providers.
Official public data
Official gazettes, default registries, insolvency proceedings, liens, sanctions and compliance lists.
Open Banking (PSD2)
Consented access to buyer bank data: balances, transactions, spending patterns and real payment capacity.
Tax and VAT data
Intra-community VAT/tax ID verification, active fiscal status and declared information consistency.
Sector data
Industry benchmarks, sector default rates, payment cycles and macroeconomic trends.
Behavioural signals
Purchase patterns, frequency, volume, seasonality and buyer behaviour evolution on the platform.
Credit insurers
Complementary scoring from leading European insurers. Dual validation that reinforces engine accuracy.
Three intelligence layers that reinforce each other
Our engine is not static scoring. It is a system that learns, adapts and improves with every transaction it processes.
Data collection and cross-referencing
In milliseconds, the engine simultaneously queries dozens of external and internal sources. It cross-references financial, corporate, tax and behavioural data to build a 360° buyer profile. It does not depend on a single source: redundancy is what generates precision.
Predictive AI/ML models
Machine learning algorithms trained on thousands of real B2B transactions analyse patterns that a human analyst would never detect. Gradient boosting, neural networks and ensemble models work in parallel to calculate default probability with surgical precision.
Continuous learning
Every transaction the engine processes — approved, rejected, paid or defaulted — feeds back into the models. The system recalibrates automatically, improving accuracy over time. It is not a static model: it is a living organism that evolves with your portfolio.
// Engine response in under 2 seconds { "buyer_id": "ES-B12345678", "score": 847, "risk_level": "low", "credit_limit": 75000, "confidence": 0.94, "sources_checked": 43, "decision": "approved", "processing_time_ms": 1847 }
Why our scoring is unlike anything you have seen
Multi-layer ensemble models
We do not use a single model. We run multiple algorithms in parallel and combine their predictions with ensemble learning techniques. The result: more robust decisions than any individual model, with less bias and greater scenario coverage.
Automatic recalibration
Static models lose accuracy over time. Ours recalibrates automatically with every new transaction, detecting changes in market behaviour, new risk patterns and early deterioration signals before they become defaults.
International coverage
We have built a mosaic of data sources with a special focus on Europe, where we cover all markets with native sources. We also provide coverage outside the EU, adapting available sources in each country. The engine adjusts automatically to the buyer geography.
Specialist team behind it
Behind the engine is a team of data scientists, risk analysts and B2B credit experts who supervise, tune and improve the models continuously. The technology is powerful, but human intelligence is what makes it exceptional.
About the scoring engine
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