Compare approaches from major market players: historical actors, data/tech solutions, and explainable AI. An honest guide to choosing the solution that fits your needs.
The B2B scoring market has considerably diversified in recent years. Between established historical players and new technological solutions, choosing an adapted solution depends on several fundamental criteria:
Geographic and sectoral extent of available data, as well as historical depth and information freshness.
The ability to understand and justify assigned scores, essential for compliance and trust.
Simplicity of connection to your existing systems via API, webhooks, or other technical means.
Time required between subscription and obtaining concrete operational results for your business.
Beyond these criteria, compliance posture (GDPR, AI explainability) and ability to adapt to your business sector are determining elements for an informed choice.
Established solutions with historical expertise and international coverage
Historical leader in credit insurance with a documentary approach
Key strengths:
Traditional approach based on documentary analysis and financial statements
B2B data provider with focus on compliance and risk
Key strengths:
Data-oriented with strong regulatory and legal component
European business information player
Key strengths:
Enhanced documentary approach with real-time monitoring tools
Modern API-oriented solutions with a technological and developer-friendly approach
Platform for accessing public business data
Key strengths:
Developer-oriented API with focus on raw data
Scoring solution for fintechs and neobanks
Key strengths:
API-first approach with predictive models adapted for fintechs
Legal and financial information platform for businesses
Key strengths:
Data approach oriented towards legal information and business intelligence
Next-generation solution combining explainable artificial intelligence and advanced technical integration
RocketFin relies on AI agents capable of analyzing financial and extra-financial data from European companies in an automated way. Unlike black-box approaches, each decision is justified and traceable, enabling natural regulatory compliance.
Explainability is not a feature added afterwards, but the core of our architecture. Each score is accompanied by decision factors, sources used, and the reasoning followed by the AI.
Positioning: intermediate solution between tech players' flexibility and historical players' analysis depth, with the advantage of explainable AI for regulated use cases.
Qualitative comparison of main solutions on essential criteria
| Criteria | Coface | Altares | Creditsafe | Pappers | Algoan | RocketFin |
|---|---|---|---|---|---|---|
| Data coverage | International, large accounts focus | France + Europe, exhaustive | Europe, complete | France, public data | France + alternative sources | Europe from February 2026 with AI enrichment |
| Explainability | Classic documentary approach | Transparent methodology | Standardized scoring | Raw data available | Configurable models | Explainable AI with justifications |
| Technical integration | Web portal + exports | API + web access | REST API available | API-first, clear documentation | SDK and webhooks | Modern API + AI agents |
| Time-to-value | Traditional setup | Medium deployment | Fast implementation | Immediate for API | Fast for fintechs | 2 weeks on average |
| Compliance posture | Strong regulatory expertise | Legal and compliance focus | European compliance | GDPR public data | Fintech compliance | GDPR + AI explainability |
Selection guide according to your profile and objectives
Need for global coverage and deep regulatory expertise
Recommended solutions:
Coface for international, Altares for France with strong legal component. These players offer the historical depth and guarantees needed for large accounts.
Need for fast integration and technical flexibility
Recommended solutions:
Pappers for basic data needs, Algoan for fintechs. Simple APIs, clear documentation, integration in a few days.
Need for explainability and regulatory compliance
Recommended solutions:
RocketFin for explainable AI and native compliance, with possibility of customizing models by sector. Creditsafe as established alternative with good European coverage.
Need for innovation and product differentiation
Recommended solutions:
RocketFin to differentiate with AI and create new products (credit-as-a-service, real-time scoring). Algoan as fintech-oriented alternative with good integration.
Evaluate your monthly decision volumes and use case complexity (multi-sector, international, regulated)
API-first solutions (Pappers, Algoan, RocketFin) offer the best time-to-value for urgent projects
Regulated sectors (banking, insurance): favor explainability (RocketFin) or legal expertise (Altares)
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