We analyse your company's ledgers with artificial intelligence to identify risk patterns in your client and debtor portfolio, and recommend the most suitable financial products for your actual situation.
Finance teams have no systematic way to identify which clients show signs of default risk until it is already too late.
Manually reviewing the ledgers of hundreds of clients takes weeks and is error-prone, potentially hiding critical exposures.
Without a real analysis of the financial position, it is impossible to know which instruments are most appropriate to cover the existing exposure.
As the company grows, so does the portfolio and the risk. Without adequate tools, exposure multiplies with no active management.
Our AI financial risk service analyses your company's general ledger to identify behavioural patterns across your client and debtor portfolio. The system learns from your historical data and generates early warnings about potential risks.
Automatic processing of the company's general ledger to identify patterns, anomalies and risk behaviours across the portfolio.
AI models that identify early warning signs of default risk, excessive concentration and exposure per client or sector.
A system that allows questions in natural language about your portfolio risk: "Which clients have more than 90 days of outstanding debt?"
Clear visualisation of total exposure, concentration per client and risk evolution over time.
Risk score per client based on historical payment behaviour and external sector signals.
Identification of the most suitable financial instruments to cover the exposure: factoring, credit insurance, guarantees.
A structured process from data extraction to actionable financial recommendations.
We connect to your accounting system or ERP to securely retrieve the ledgers and portfolio data.
Our models analyse historical data and identify risk patterns and anomalous behaviours across the portfolio.
Presentation of findings: clients by risk level, total exposure, concentration and warning signals.
Proposal of financial products and strategies tailored to your actual situation to cover the identified exposure.
This service is designed for organisations that need visibility and control over their portfolio risk.
At medium and large companies who need a clear, automated view of portfolio risk.
With recurring billing where manual analysis is no longer viable or reliable.
With high client exposure and a need to consolidate risk visibility at group level.
That need to justify credit, provisions or hedges to financial institutions or auditors.
Construction, distribution, manufacturing and other sectors with high structural default risk in their portfolios.
That want to analyse the quality of their credit or insured portfolio with greater depth and automation.
The general ledger contains all accounting movements grouped by account, including client receivables and supplier payments. It is the primary source for portfolio risk analysis, as it faithfully reflects the historical payment behaviour of each client.
From 50 active clients with recurring billing the analysis is especially valuable, as manual review becomes unviable. In companies with portfolios of 200 or more clients, the impact is immediate and the return on investment very clear.
Not necessarily. The analysis can be performed on your own infrastructure or in an isolated environment with full confidentiality, without any data leaving the company's systems. We adapt the deployment model to your security and compliance requirements.
The first risk report can be ready within 5 to 10 business days from data extraction. The exact timeframe depends on the portfolio volume and the quality and accessibility of the available accounting information.
Yes, we offer both one-off analyses and continuous portfolio monitoring with automatic alerts when relevant changes are detected in the risk profile of a client or the portfolio as a whole.
We'll call you within 24 hours to understand your situation and explain how we can help.
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