A scoring engine built on proven algorithms and specialised AI agents.
RocketFin is not a generic AI wrapper. Our hybrid architecture breaks down analysis into 4 independent blocks — each powered by the technology best suited to its data source: proprietary financial algorithms and specialised AI agents. Every decision remains explainable, traceable and auditable at any time.
A hybrid architecture — the right technology for each data source
Rather than an opaque monolithic model, RocketFin breaks analysis into 4 specialised blocks. Each uses the technology best suited to its data type. A fusion engine orchestrates the 4 outputs into a single final score.
Accounting Block
Analysis of balance sheets, income statements, tax filings and confidential data via institutional partnerships. Powered by our proprietary financial algorithms — proven ratios, sector benchmarks, trend analysis over 3 consecutive fiscal years.
Banking Block
Analysis of PSD2 Open Banking flows: payment regularity, banking incidents, predictive behaviours, real 12-month cash position. Powered by our proprietary algorithms for detecting weak behavioural signals.
Legal Block
Verification of directors, UBO, cross-mandates, collective proceedings, sanctions and management bans. Our AI agent analyses complex governance patterns and detects high-risk configurations invisible to explicit rules.
Extra-Public Block
E-reputation, digital reputation, sector indicators, macro and micro-economic signals. Our AI agent fuses heterogeneous unstructured sources to detect weak signals that no deterministic algorithm could capture alone.
Fusion Engine
The 4 blocks feed the fusion engine, which orchestrates and weights each source according to the use case, sector and available data — then produces the final score, insights and decisional recommendation.
The foundation: proprietary financial algorithms
Financial rigour first. Our proprietary algorithms form the core of every analysis — calibrated on years of French VSE/SME observation.
Proven financial ratios
Current ratio, solvency, economic profitability, working capital, net cash — calibrated against French sector standards and benchmarked by company size (VSE, SME, mid-cap). Not generic ratios — thresholds adjusted to the reality of French businesses.
Proprietary sector scoring
Every sector has its specificities: seasonality, average margins, failure rates, standard payment terms. Our model integrates these parameters to avoid scoring a bakery like a tech consultancy — a systematic error made by generalist tools.
Weak signal detection
Our algorithms detect predictive failure patterns: progressive ratio deterioration, cash flow anomalies, atypical treasury behaviour. Rules built on years of analysis of real VSE/SME files.
Specialised AI agents where data warrants it
AI adds value when data is unstructured, heterogeneous or complex. RocketFin deploys AI agents on blocks where they outperform deterministic rules — and proven algorithms where financial rigour is paramount.
Legal AI Agent
Our AI agent analyses complex governance patterns: mandate combinations, director histories, high-risk shareholding configurations. Signals that explicit rules cannot capture in their full complexity.
Extra-Public AI Agent
Our AI agent fuses heterogeneous and unstructured data — online reviews, sector signals, local macroeconomic data — to produce a predictive and nuanced contextual indicator.
AI-powered but audit-proof.
In financing, leasing and credit insurance — a refusal decision must be regulatorily justifiable. Every RocketFin score is broken down component by component.
Score broken down by block
The final 0-100 score is decomposed into 4 sub-scores — accounting, banking, legal, extra-public. You see exactly which block is pushing the score up or down — and why.
Explanatory factors in business language
For each file, RocketFin lists positive and negative factors in plain business language. An analyst reads and understands every decision without any technical expertise required.
Full traceability
Every score is timestamped, versioned and archived. Retrieve any past decision with its exact context. PDF report exportable and attachable to any compliance or audit file.
Regulatory compliance
Compliant with GDPR, AML/CFT, and Sapin II. Our explainable AI approach is aligned with EU AI Act requirements for credit scoring systems classified as high risk.
Built for regulated sectors
Sovereign French hosting
100% hosted in France on Scaleway. No data leaves French territory. Meets the sovereignty requirements of financial institutions, factors and public buyers.
Certifications
ISO 27001 certification in progress. Native GDPR — data minimisation, explicit Open Banking consent, right to erasure implemented. TLS 1.3 encryption, OAuth 2.0.
Human oversight
RocketFin is a decision-support tool — not an autonomous system. Human validation remains possible at every step. Compliant with EU AI Act supervision requirements.
Why RocketFin for French VSEs/SMEs
| Criterion | Traditional players | Generic AI | RocketFin |
|---|---|---|---|
| Calibrated on French VSE/SME | |||
| Scoring without filed accounts | |||
| Score explainable by component | |||
| Specialised hybrid architecture | |||
| Sovereign French hosting | Variable | ||
| Configurable by risk policy |
Compliance and infrastructure
Built for regulated players from day one.
EU AI Act compliant
ActiveNative explainability of every decision. Documented score factors. Complete audit trail. You are compliant from integration — no extra work required.
ISO 27001 in progress
End 2026Certification in progress, expected end 2026. Security policies, access management and business continuity already in place.
Hosted in France
ActiveData processed and stored on French infrastructure. Native GDPR. No transfer outside the EU.
Open Banking via Linxo
ActiveBank aggregation via Linxo Connect, the French Open Banking reference used by banking institutions. PSD2 compliant.