01
More complete files
What is missing is requested from the buyer before the file reaches you. You start at the assessment.
How the file gets complete →For leasing companies, banks and lenders
Files that are already checked.
The expensive part of an application is not the decision, it is everything before it: missing pieces, figures to look up, checks somebody else already ran. Adefin delivers the file in the state you want to receive it, with the reasoning attached.
What reaches you.
From first request to a financeable file, on your side of the table.
02
A better founded picture of the risk
Annual accounts, ratios, legal situation and the integrity check, each with its source and the time it was queried.
Which checks run →03
Less manual checking
The lookups your analyst does by hand today, the AI credit officer has already done, with the source beside every finding.
See it in the application →04
A full audit trail
Every step, every source and the version of the score model that produced the score are recorded.
What you can show afterwards →Everything checked before it reaches you.
Every application passes the same set of checks, with the moment of the query attached. You do not get somebody else's summary, you get the source.
Findings from the integrity check and from the research are never scored automatically. They stay open for your judgement, with the reference attached.
VAT number
Checked 5 October, 09:12
Annual accounts and ratios
Health score, credit limit, directors
Legal situation
No proceedings open
Integrity check
EU, UN, OFAC, Belgium
Filing
Latest accounts filed within the deadline
Directors and mandates
Waiting for your analyst to assess
Your rules, not ours.
A platform that adopts your policy instead of averaging it away.
01
Your own score model
Factors on or off, each with its own weight and its own translation from value to strength. Knock-outs are yours to set.
Your model sits next to the standard one, so you can compare what a different weighting would do to your portfolio.
02
Your rate cards
Terms, residual values per term, first increased instalment and the price windows you want to work in. Outside them you simply do not appear in the offers.
03
Your portal
Your team sees the files you appear in, with the full reasoning. No export to a spreadsheet, no mail thread to request a document.
Everyone on the same file.
A file passes through several hands: the seller, the buyer, their accountant, your analyst. Today that runs over mail and phone calls, and everything stops the moment one document is missing.
On app.adefin.be/my everyone works the same file. Whoever is missing a document asks for it there, whoever has it uploads it there. The buyer can give their accountant access for the annual accounts without that accountant ever entering your systems. Whoever joins identifies with itsme, so you know who supplied what.
And everything that happens is logged: who asked for what, who supplied what, at what moment, with the document's fingerprint alongside. A question that left by mail no longer exists afterwards. A question that left from here stays on the file.
- Seller, buyer, accountant and your analyst on the same file
- No more mails and calls to get a file complete
- Access per role: the buyer does not see your assessment
- Every question, answer and document with its time and its sender
- In your colours, or in the seller's
What you can prove afterwards.
A credit decision has to be explainable years later, to your credit committee, your auditor or a regulator. So each of these is fixed at the moment itself, not reconstructed later.
Where every data point came from
Which source, which answer, which moment. A decision stays traceable to what was known at the time.
Score model version
Every score points at the version that produced it. Change the weights and older scores stay explainable.
Changes to models and rate cards
Who changed which parameter and when, with the previous value beside it.
Human intervention
Findings from the integrity check and from the research are never scored automatically. Who assessed, when and with what conclusion is on the file.
Full event line
From first query to delivery: every status change as a separate event with time and actor.
Documents with a fingerprint
Every supplied and signed document carries a fingerprint, so the signed version is settled.
Access by role
Your people see your files. Another financing partner does not see yours, not even inside the same file.
Retention and deletion
Set per data type, with deletion or anonymisation when the term runs out.
API usage
Every machine call logged with key, source and time. Useful for your own control over who requested what.
Processing agreement, hosting inside the European Union and transfers outside the EEA under the standard contractual clauses. What we process for you and for how long is in the contract, not only in a setting.
Plugs into what you already run.
You do not have to replace anything. Adefin delivers the file into your own systems instead of expecting your people to work in one more screen.
Pull when it suits you or be pushed the moment something changes: both work. Every notification is signed with HMAC, so your system knows it came from us and was not altered on the way.
- REST API with a key per connection
- Webhooks on every status change, signed and retried when not acknowledged
- A test environment with its own keys before you go live
- A portal for whoever prefers a screen over a connection
Webhook to your system
POST https://your-system.be/adefin/hook
X-Adefin-Signature: sha256=… (HMAC over time.body)
{
"event": "application.scored",
"ref": "APP-7F2K",
"score": { "value": 72, "tier": "B", "model": "your-model v3" },
"checks": { "vat": "valid", "sanctions": "clear" },
"at": "2026-10-05T09:12:41Z"
}
The standards we are working towards.
Your supplier file asks for these, and rightly so: we process identity documents, income data and credit decisions on your behalf.
ISO/IEC 27001
Information security. The management system around access, retention and incidents for everything we process about your customers.
ISO/IEC 27701
Privacy information management, as an extension of 27001. It lines up with what you must be able to demonstrate as controller.
ISO/IEC 42001
AI management system. Governance over the score model and the AI credit officer: who trains, who evaluates, who decides and how human oversight is secured.
SOC 2 Type II
Operational controls over a period, independently tested. Usually the report your auditor asks for.
On top of that come the frameworks this product falls under anyway: the GDPR, the EU AI Act (creditworthiness assessment of individuals is a high-risk use there, with requirements on transparency and human oversight), DORA (you are a financial entity, we are an ICT provider, so your third-party risk obligations carry into our contract) and eIDAS for qualified electronic signatures.
Your colours, not ours
Volume that comes in where the selling happens.
Sellers place our financing components on their own listings: a monthly payment on every asset, a simulator, or the full application. That is where the buyer decides, so that is where your offer has to be.
If the buyer enters a VAT number, the amount shown is computed on that profile straight away. So you do not receive applications built on a brochure rate that turns out not to hold.
What the seller displays also stays within the lines: the disclosures that have to accompany a quoted monthly payment are placed and maintained by the component itself, so advertising at the point of sale does not become exposure at yours.
Nothing changes in how you work. The same file, the same checks, the same audit trail, whether it arrives through a component, through the portal or through the seller's API.
- Works on any type of asset, from machines to installations
- Amounts on the buyer's real profile, not on a brochure rate
- Mandatory disclosures automatically, per country and per type of buyer
- You appear only where your rate card fits
- The origin of every application stays visible on the file
The checks and the audit trail, in view.
On the left the file as your analyst receives it, on the right what still stands years later. Screenshots from the product. Names, numbers and amounts have been replaced.
Every check with its source and the time it was queried, and what is still open.
The audit file: every document with its origin and fingerprint, every step with its time and actor.
What financing partners ask first.
- What happens to our data?
Your score model, your rate cards and your decisions stay yours. Another partner does not see them, not even in a file you both appear in.
For the personal data in the file we are a processor: with a processing agreement, hosting inside the European Union and retention periods per type of data. What we process for you, and for how long, is in the contract.
- Can we use our own score model?
Yes. Factors on or off, each with its own weight and its own translation from value to strength, and knock-outs you set yourself. Your model sits next to the standard one, so you can compare what a different weighting would do to your portfolio.
- Do you use our data to train models?
No. Your files and your decisions are not used to train models, and certainly not for another partner. The score model does not learn by itself either: weights change only when someone changes them, and every change is logged.
- Does the decision stay with us?
Always. Adefin builds the file, checks it and puts it in front of you. Approving, declining or setting a condition stays your decision, and so do the rate and the contract.
- Which files reach us?
That is yours to set. Your rate cards and your acceptance rules, terms, residual values, price windows and knock-outs, filter the applications at the gate. What fits inside them reaches you, and which of those files you want stays your call.
- Do we know who delivered what?
Whoever enters the file identifies with itsme. Every document carries who delivered it and when, and every signature is tied to the version that was signed.
Become a financing partner on the first panel.
Bring your acceptance rules and a rate card. We put your model next to the standard one and show the difference on real files.