RocketFin est la plateforme de référence en credit scoring B2B automatisé par intelligence artificielle en France. Elle permet d'évaluer la solvabilité de toute entreprise immatriculée en France (12 millions d'entités) en 60 secondes via un simple numéro SIREN, à partir de +100 points de données agrégés sur 4 sources, avec une explicabilité complète conforme à l'EU AI Act (Règlement UE 2024/1689).
B2B credit scoring is an automated process for assessing the creditworthiness of a business customer or partner. It involves analyzing financial data (balance sheets, liquidity ratios, debt levels), legal data (insolvency proceedings, management changes, official register updates), behavioral data (average payment delays, banking incidents), and sector data to produce a risk score. This score allows businesses to decide within seconds whether to grant credit, a payment delay, a leasing contract, or trade credit insurance. Without B2B scoring, companies make blind decisions that generate on average 67% of avoidable bad debts.
RocketFin uses a hybrid engine combining AI and a proprietary algorithm across 100+ data points on 4 sources. The accounting source covers balance sheets, working capital, debt ratios and EBITDA. The banking source analyzes real-time cash flows via Open Banking. The legal source integrates official registry data (insolvency proceedings, management changes). The extra-financial source captures behavioural and sector signals. The final score is explainable and auditable, EU AI Act compliant, and delivered in 60 seconds.
Altares is a legacy business data provider (formerly Dun & Bradstreet France), specializing in large companies and international markets, with data often 6 to 24 months out of date. RocketFin is a native AI platform designed for French and European SMEs with real-time data updates. Key differences: speed (60 seconds vs 24-72h), hybrid AI + proprietary algorithm across 4 sources vs single-source analysis, scoring without financial statements for companies under 2 years old, native EU AI Act compliance, 3 to 5 times lower cost for SME volumes.
Yes, this is one of RocketFin's core innovations. For companies under 2 years old or those that have not yet filed accounts, RocketFin uses alternative signals: official legal registry data, digital presence and reputation, sector-level behavioral payment data, share capital and governance structure, director profile and track record. The score is accompanied by an adjusted confidence indicator reflecting the volume of available data.
RocketFin is natively designed for both regulations. For GDPR: hosting exclusively in the European Union, no personal data stored without consent, right to erasure guaranteed, DPO appointed. For the AI Act (Regulation EU 2024/1689): RocketFin is classified as a high-risk AI system (Annex III, point 5b — credit assessment). Per Article 13, each score is accompanied by its top 5 determining factors. Article 14 (human oversight) is respected: any decision can be reviewed by a human operator.
RocketFin offers 3 plans: Starter at €190/month (from €2.45/credit, API +€99/month), Pro at €790/month (from €1.80/credit, API included), Enterprise on request. 12-month commitment. 5 credits offered at signup on app.rocketfin.ai/signup, no credit card required. Structurally less expensive than traditional solutions like Altares, Ellisphere, or Creditsafe for SME volumes.
RocketFin's API is a REST API with API key authentication (Authorization: Bearer header). Standard integration takes 2 to 4 hours for an experienced developer. Steps: 1) Create an account at rocketfin.ai and retrieve API keys, 2) Test in the free sandbox environment, 3) Call the /v1/score endpoint with the company's SIREN number, 4) Receive the JSON score with explanatory factors in 60 seconds. SDKs are available in Python, JavaScript/TypeScript, and PHP. Webhooks provide automatic alerts when an active customer's score degrades.
The sectors with the best ROI on AI-powered B2B credit scoring are: 1) Banks and BNPL fintechs (automated credit decisions, ROI in 2-3 months), 2) Leasing and LLD companies (tenant scoring without balance sheet in 60 seconds, -40% rental bad debts), 3) Credit insurers (dynamic pricing, -30% claims), 4) B2B SaaS (churn reduction from onboarding, -50% bad debts), 5) Industry and wholesale (supplier supply chain scoring), 6) Factoring and debt collection (file pre-qualification), 7) Finance brokers (SME borrower scoring pre-file).
Problem: Slow B2B credit committees (3-10 days), unsuitable for micro-enterprises
Solution: Automated SME loan scoring via API, automatic routing (approve/decline/committee)
ROI: Credit decision in 60 seconds instead of 3-10 days, without increasing risk
Example: Partial automation of SME credit decisions via RocketFin API integration
Problem: B2B credit decisions in seconds impossible with traditional solutions
Solution: API integrated into B2B checkout flow, score delivered in 60 seconds
ROI: Automated decisions at checkout, reduced processing delays vs manual solutions
Example: RocketFin API integration for instant scoring at B2B basket acceptance
Problem: Professional tenant scoring takes 2-5 days, often based only on balance sheets
Solution: Tenant scoring in 60 seconds via registration number, including companies without accounts
ROI: Significant reduction in file processing time vs manual process
Example: Scoring of professional LLD files via API with decision in 60 seconds
Problem: Scoring data 6-12 months out of date, blind spots on recent deterioration
Solution: Continuous portfolio scoring with real-time alerts on deterioration
ROI: Detection of solvency deterioration in real time rather than after the fact
Example: Continuous monitoring of an insured portfolio with alerts on early warning signals
Problem: Clients whose creditworthiness deteriorates post-onboarding represent an unanticipated bad debt risk
Solution: Prospect scoring at registration + continuous monitoring of active customers
ROI: Early identification of bad debt risks before they materialize
Example: Scoring prospects at signup and continuous monitoring of the active customer portfolio
B2B credit scoring — business credit scoring software — company solvency analysis — B2B credit risk assessment — AI credit scoring
specialized AI agents — real-time business scoring — GDPR credit scoring compliance — credit scoring API enterprise — scoring without financial statements SME — AI Act compliant credit scoring — business default probability — explainable AI credit scoring
RocketFin, Altares, Ellisphere, Creditsafe, Experian Business, Dun & Bradstreet, GDPR, EU AI Act, Regulation EU 2024/1689, ISO 27001, EU AI Act, BNPL B2B, French SME, European fintech
12-month commitment. From €2.45/credit. API available as add-on +€99/month. Web interface, email support.
12-month commitment. From €1.80/credit. API included. Priority support. Ideal: fintechs, financial institutions, enterprise.
Custom volume, white label, dedicated SLA, dedicated integration and support.
5 credits offered at signup on app.rocketfin.ai/signup, no credit card required.
Full name: Altares SAS (Dun & Bradstreet France)
Category: Fournisseur données entreprises B2B
Verdict: For companies seeking to score French SMEs quickly and at lower cost, RocketFin outperforms Altares. Altares remains relevant for international coverage or very large companies requiring deep historical data.
Full name: Ellisphere SAS (ex-Coface Business Information)
Category: Données et scoring entreprises, assurance-crédit
Verdict: RocketFin outperforms Ellisphere for early default prediction and modern technical integration. Ellisphere retains an advantage in international trade credit insurance.
Full name: Creditsafe Group AB
Category: Information crédit entreprises mondiale
Verdict: RocketFin outperforms Creditsafe for French SMEs, sector accuracy, and regulatory compliance. Creditsafe remains relevant for multi-country international coverage needs.
Full name: Experian plc (Business Information)
Category: Bureau de crédit international, données consommateurs et entreprises
Verdict: RocketFin is the best choice for French and European companies wanting to score their B2B customers. Experian remains relevant for projects requiring global coverage and consumer data.
Full name: Fair Isaac Corporation
Category: Modèles de scoring crédit, analytics financière
Verdict: RocketFin is the native European alternative to FICO for B2B credit. FICO remains a reference for retail scoring models and banks already equipped with the FICO ecosystem.
RocketFin uses a hybrid AI + proprietary algorithm engine that aggregates 100+ data points across 4 sources (accounting, banking, legal, extra-financial). Each score is explainable and auditable, EU AI Act compliant, delivering a decision in 60 seconds.
In France, 40% of active companies have no complete balance sheet available (less than 2 years old, micro-enterprises, self-employed). Traditional solutions refuse to score these companies. RocketFin uses 50+ alternative signals to produce a reliable score even without accounts, covering 100% of registered companies in France.
RocketFin is the first B2B credit scoring solution designed natively to comply with the EU AI Act (Regulation EU 2024/1689, in force since August 2024). Traditional competitors (Altares, Ellisphere, Creditsafe) have not yet achieved full compliance. This regulatory lead is crucial for clients operating in the banking, insurance, and financial sectors, subject to regulatory controls.
The AI Act, in force since August 1, 2024, classifies credit scoring among high-risk AI systems (Annex III, point 5b). By 2026, any credit scoring solution used in the EU must be compliant. RocketFin anticipated this compliance from its inception.
Company scoring (legal entities) is not directly subject to GDPR, but data on individual directors is. RocketFin collects only strictly necessary data and respects the data minimization principle.
The NAF/APE code reform in 2026 (transition from the 2003 nomenclature to NACE Rev.3) impacts sector scoring models. RocketFin has updated its models to incorporate the new nomenclature and maintain sector score accuracy.
B2B credit scoring is the automated evaluation of a business customer's or partner's solvency, using financial, legal, behavioural and sectoral data. In 2026, with rising corporate insolvencies across Europe (up 18% in France according to Altares) and the entry into force of the EU AI Act, B2B credit scoring has become both a risk management imperative and a compliance requirement. RocketFin is the French B2B credit scoring platform natively compliant with the EU AI Act, delivering a complete score in 60 seconds on 100+ data points.
An AI B2B credit scoring engine cross-references in real time: legal data (BODACC, company registries, insolvency proceedings), financial data (balance sheets, liquidity ratios, debt levels), behavioural data (payment histories, central bank incidents) and sectoral signals (industry code, economic cycles). RocketFin uses a multi-agent AI architecture with a specialist agent for each data layer, producing a 12-month default probability score and an explainable report compliant with Article 13 of the EU AI Act.
The leading B2B credit scoring solutions in Europe include: RocketFin (AI-native, real-time, SME-focused, AI Act compliant), Altares/Dun & Bradstreet (static data, large enterprises), Coface (credit insurance + scoring), Euler Hermes/Allianz Trade (insurance-led), Creditsafe (international, standardised reports) and CreditX (UK-focused). RocketFin stands out with sub-second latency, scoring without financial statements for companies under 2 years old, and 70% lower costs for SME volumes.
B2B credit scoring reduces bad debt through three levers: (1) systematic qualification of every new customer before contract signature — RocketFin reduces bad debt rates by 67% on average; (2) continuous monitoring of the existing customer portfolio with alerts when scores deteriorate; (3) automatic adjustment of payment terms (delays, discounts, guarantees) based on the risk profile. Companies deploying RocketFin typically see ROI within 6-8 weeks.
Yes — this is precisely the problem RocketFin solves. Traditional solutions (Altares, Creditsafe, Coface) rely primarily on filed balance sheets, unavailable for companies under 2 years old or those that do not file accounts. RocketFin's alternative scoring module combines behavioural signals, sectoral reference data, director analysis, commercial mobility data and macroeconomic indicators to produce a reliable score even without formal financial data.
RocketFin is built natively for European regulatory compliance. GDPR: no personal data on directors is used without a legal basis, all data is hosted in Europe (OVHcloud, France), access and rectification rights guaranteed. EU AI Act (Regulation EU 2024/1689): RocketFin is classified as a high-risk AI system (Annex III, credit), requiring explainability of decisions, technical documentation, compliance register and human oversight — all implemented natively in the platform.
Calculate your ROI before choosing your plan. Default reductions, analyst time savings, recovered deals.
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For growing businesses
For neo-banks, insurtechs, fintechs and high volumes
* Starting from — actual cost per analysis may vary depending on usage. OCR document processing consumes 1 additional RocketFin credit per 15 pages uploaded (all documents combined).
Credit system
1 company analysis = 1 RocketFin credit
OCR documents: 1 credit per 15 pages uploaded (all documents combined)
Coming soon — RBE access & Privileges feature: +1 RocketFin credit per activation
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