Young companies, sole traders and businesses without visible financial history are invisible to traditional tools. RocketFin scores them using open banking and real-time behavioral data.
Average delay between a company's financial reality and its available balance sheet
Of French SMEs have no usable balance sheet during their first year of activity
Open banking data reflects the current financial situation, not 18 months ago
Traditional tools based on balance sheets
Next-generation scoring via open banking
Real-time cash flows, average balance over the last 3 months, regularity of receipts, presence of overdrafts.
Company registry, official gazette, commercial register: incorporation, capital changes, insolvency proceedings, tax privileges.
Average financial health of the sector, default rates, market trends and economic cycles.
Director seniority, risky multi-mandates, judicial history, presence on watchlists.
Financing companies under 2 years old is your market. With RocketFin, you assess their real solvency without relying on missing balance sheets — and make better decisions than your competitors.
Startups, freelancers, growing micro-businesses: your natural target often has no available balance sheet. RocketFin lets you trust them (or not) based on objective data.
A new reseller without history isn't necessarily a bad payer. Their bank flows and financial behavior say far more than an absent balance sheet.
Evaluate receivables on young or poorly documented debtors. Open markets you were forced to refuse due to lack of historical data.
"RocketFin enabled us to save at least 40% of our time qualifying prospect files. The solution instantly analyzes financial credibility and helps us prioritize the most promising opportunities."
Secourou BA
Broker at Yooliz
Today's bank flows are worth more than 18-month-old balance sheets. RocketFin gives you a current snapshot, not a historical portrait.
Stop rejecting good customers just because they are young. Expand your addressable market without increasing your risk.
Your competitors stop where there is no balance sheet. You keep going. That's an entire market you capture alone.
Via open banking (PSD2), with the consent of the scored company, or through licensed financial data aggregators. Data is anonymized and processed in compliance with GDPR.
Yes. Our model is trained on companies at all stages of maturity. With 3 months of bank data, we produce a meaningful score. With 6 months, accuracy is comparable to companies with a balance sheet.
No, it complements it. For companies with accounting history, RocketFin crosses both sources. For those without a balance sheet, open banking becomes the primary source. It's always better than a decision without data.
RocketFin complies with the PSD2 and GDPR framework. Access to bank data is always done with the explicit consent of the account holder, in accordance with European regulation.
Traditional credit scoring relies on accounting balance sheets filed at the registry. The problem: these balance sheets are published 12 to 18 months after the fiscal year-end. A company in difficulty today can show an excellent N-2 balance sheet. A solid young company will be systematically rejected for lack of history.
Open banking, made possible by the European PSD2 directive, enables analysis of a company's real bank flows with its consent. RocketFin aggregates this data in real time to produce a solvency score without accounting balance sheets: monthly receipts, regularity, cash flow tension, presence of persistent overdrafts.
Combined with legal registries, sector data and the director's behavioral signals, this scoring reaches accuracy comparable to traditional methods — even for new companies without history. It's the same engine that powers RocketFin's 30-second credit validation.
Expand your addressable market without increasing your risk. Scoring without balance sheets is your competitive edge.
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