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 bank statements (PDF, OCR): payment regularity, banking incidents, real 12-month cash position.
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
GDPR-compliant processing. Every score comes with an explainable PDF report you can add to your compliance and audit files.
Built for regulated sectors
Sovereign French hosting
Platform and client data hosted by Scaleway in the Paris region. No client data leaves the European Union. A key point for financial institutions, factors and public buyers who care about data sovereignty.
Certifications
Data hosted on Scaleway (France, EU). Bank statements are provided by the company itself. API key authentication.
Human oversight
RocketFin is a decision-support tool — not an autonomous system. Human validation remains possible at every step.
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.
Explainable PDF report
ActiveEvery score comes with a PDF report that details its factors. Your teams can justify each decision and keep control of the final call.
Access security
In placeSecurity policies, access management and business continuity in place. Encrypted communications (HTTPS/TLS) and a personal API key.
Hosted in France
ActiveData processed and stored on French infrastructure. Native GDPR. No transfer outside the EU.
Lecture et analyse des documents financiers
ActiveLecture et analyse des documents financiers pour faciliter l'évaluation de la solvabilité.