Hybrid scoring technology

4 data typologies,
1 decisional score

Our hybrid engine combines accounting, banking, legal and extra-public data to generate a reliable credit score between 0 and 100.

The RocketFin Process in 3 Steps

From multi-source data collection to informed decision

01

4 Data Typologies

Accounting
Banking
Legal
Extra-Public
02

Hybrid Engine

Financial Algorithms
Artificial Intelligence
03

Informed Decision

📊
0-100 Score
💡
Detailed Insights
Actionable Advice

Why 4 typologies > 1 typography?

Multi-typology drastically reduces false positives and improves predictive accuracy

+35%
Accuracy vs traditional scoring
Combination of complementary sources
-60%
False negatives
Fewer good companies rejected
87%
Failure prediction
6-month advance non-payment anticipation
"RocketFin allows us to analyze our prospects in seconds with accuracy we never achieved before. Multi-source scoring is a real game-changer."
TB
Thomas Bovier
Head of Operations, Ankorstore

The 4 RocketFin Analysis Blocks

Each data source brings a unique dimension to solvency analysis

Accounting Data

In-depth analysis of company financial health via multiple channels

Open Data

Access to publicly filed balance sheets and accounts (Companies House, public registries) for instant analysis

Confidential Data

Exclusive partnerships with institutional sources for access to data filed under business secrecy (under strict legal constraints)

Upload & OCR

Automatic extraction technology (OCR): upload your tax returns, balance sheets or accounting documents for immediate analysis

Analyzed metrics:Full balance sheetIncome statementAnnexesCash flowFinancial ratios

Banking Data

Real financial flows analysis via Open Banking (PSD2) with company consent

Open Banking PSD2

Secure connection to bank accounts after explicit consent from the analyzed company

12-Month History

Retrieval and analysis of the last 12 bank statements for a complete view of activity

Weak Signals

Detection of payment behaviors, anomalies, incidents, rejected direct debits and other predictive indicators of non-payment

Analyzed metrics:Incoming/outgoing flowsPayment regularityBanking incidentsAverage cash positionAbnormal variations

Legal Data

In-depth verification of governance and directors' background

Directors & Officers

Complete analysis of current and historical directors, their cross-directorships, and entrepreneurial background

Beneficial Owners

Identification of Ultimate Beneficial Owners (UBO) and analysis of their history to detect any governance risk

Background & Sanctions

Verification of commercial sanctions, director disqualifications, previous bankruptcies, collective procedures and ongoing disputes

Analyzed metrics:Insolvency proceedingsDirector bansMultiple mandatesCommercial sanctionsActive litigations

Extra-Public Data

Analysis of macroeconomic environment and digital reputation

Digital Reputation

Analysis of online presence, customer reviews, digital reputation and weak signals from the web

Sector Data

Integration of sector indicators (failure rate, sector growth, seasonality, industry specifics)

Macro & Micro Environment

Analysis of economic context (inflation, interest rates, commodity prices, geopolitical tensions) and local (geographic area, economic fabric)

Analyzed metrics:Online reviewsDigital presenceSector riskMacro indicatorsCommodity prices
Hybrid scoring engine

Algorithms + AI = Actionable Score

Our engine combines deterministic algorithms and artificial intelligence to transform the 4 data sources into a 0-100 score, detailed insights and a clear decision recommendation.

Traditional Algorithms

  • Proven financial ratios (liquidity, profitability)
  • Sector scoring & size-based benchmarking
  • 3-year trend analysis
  • Configurable business rules

Artificial Intelligence

  • Detection of invisible complex patterns
  • Model trained on French public datasets
  • Predictive analysis (6-12 months)
  • Weak signals & behavioral anomalies

Result: 3 Actionable Outputs

📊

0-100 Score

Standardized credit rating comparable across all analyzed companies

💡

Detailed Insights

Point-by-point analysis of company strengths and weaknesses (cash, profitability, legal risk, etc.)

RocketFin Recommendation

Clear and personalized recommendation according to your use case (accept, reject, conditions, monitoring)

Adaptable to All Use Cases

RocketFin scoring adapts to your specific needs, whether you are in B2B, fintech, SaaS or supply chain management

Customer Onboarding

Quickly validate a new customer before granting payment terms

Learn more

BNPL / Fintech

Instant credit decision for B2B Buy Now Pay Later

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Supplier Management

Anticipate failures of your critical suppliers

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Portfolio Monitoring

Continuous monitoring of existing customers to detect warning signals

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Ready to Transform Your Customer Risk Management?

Join companies securing their business relationships with the most advanced multi-source scoring on the market.

No credit card
5-minute integration
Dedicated support