[00] Overview
We turn fragmented, non-standardised statutory financials into a standardised, auditable credit view: AI-driven cash-flow forecasts, credit metrics and covenant headroom.
// every figure carries a provenance tag → source filing
Credit analysis in minutes. Numbers you can defend for years.
AI extracts and cites the inputs, a glass-box engine computes the metrics, traceable to the source filing and open to inspection at every step.
[01] The problem
Sub-investment-grade mid-market issuers file statutory accounts in national registries, fragmented and non-standardised. Incumbents serve the edges: Bloomberg and the rating agencies cover macro and large-cap rated, 9fin and Octus cover news-flow and distressed, none deliver a standardised fundamental view of the mid-market borrower.
The moat is standardisation, not data access.
[02] How it works
Ingest reclassified statutory financials through a source-agnostic adapter.
structuredAI extracts residual unstructured KPIs, flagged, cited and cross-checked.
llm-extractedAn AI glass-box forecast engine projects P&L, cash flow, credit metrics and covenant headroom.
derivedA draft credit memo, with provenance on every value.
output[03] Pricing
For sizing up the platform, no commitment.
Free
Includes:
For desks working with filings regularly.
€39.90/mo + VAT
€478.80 / yr billed annually
Everything in Free, plus:
For in-depth analysis and prospecting.
€59.90/mo + VAT
€718.80 / yr billed annually
Everything in Plus, plus:
For analysis that demands the deepest detail.
€79.90/mo + VAT
€958.80 / yr billed annually
Everything in Pro, plus:
Spread a new borrower from its filed accounts in minutes, then compare it against your existing book on the same basis.
Screen and monitor highly-levered names on metrics that mean the same thing across every issuer.
Take a memo to committee where every number ties back to a filing, and reruns reproduce it months later.
[05] Design partners
Programme · cohort 01 · symbolic price
Early access to the deep-dive underwriting API, direct influence on the roadmap, and a symbolic price, in exchange for your feedback and one real use case.
Prefer email? Write to partners@valentica.ai.
Yes. The AI delivers results in minutes that would normally take a human analyst days. It reviews the documents, extracts key information, calculates metrics, highlights risks and opportunities, and produces a decision-ready report quickly and transparently.
Official public statutory filings, acquired per document through paid APIs. We sell derived analytics, not the source database.
Yes. Every figure is traceable to its source document, with versioned assumptions and a full audit trail, so any analysis can be re-run and reviewed months later.
Italy-first. Coverage expands pan-European by swapping the data adapter. The rest of the system is source-agnostic.
Yes. Valentica is API-first and headless, designed to slot into a fund's own workflow.
The AI analysis is live with our first design partners today. We're expanding coverage and refining the credit memo together, that's what the programme is for.