Credit, compliance, supplier, and data quality assurance, orchestrated across the full business-partner lifecycle. We deliver final, auditable decisions directly into your existing workflow. You manage the business; we handle the integrity of the decision.
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The problem
Your risk lives in disconnected silos.
Credit, compliance, supplier risk, and treasury each run on separate tools, separate data, separate truths. The same business partner gets reviewed multiple times by the same people. The time spent on gathering the required data is wasted multiple times. The audit trail is scattered.
How was this decision made, and can we defend it to the auditor?
Treasury / CFO
Is our insurance coverage sufficient? Are we exposed?
Risk & control
Why can't our credit policy be enforced consistently across regions?
Credit / compliance
Why do I need to work in multiple systems for the same customer?
nRisk answer
Each question crosses 2–4 functions and 3–5 systems. nRisk turns these into one decision, one record, one audit trail, built on three layers that every team shares.
Risk vectors are converging. Your platform should too.
Business partner risk is no longer a set of separate problems. Credit, sanctions, ABC, ethics, and fraud all share the same customers, the same master data, the same invoices and disputes. As risk grows more complex and more compounded (especially in international B2B), managing each risk vector in its own silo creates friction, and things fall between the cracks.
Historically, different functions owned different risk dimensions. But the data sources, the case processes, and the institutional knowledge were always closely aligned. Merging them isn't just possible. It's overdue.
Don't bet on one single provider
Data providers want to inject their identifiers into your decisions and make switching costs as high as possible. Nobody can predict the landscape in five years. Putting all your eggs in one data or LLM basket is a strategic risk in itself. nRisk stays data-agnostic and provider-neutral.
Workflow software isn't enough
You don't want workflow for its own sake. You want every decision (whoever makes it) to align with internal policy and external regulation, made as efficiently as possible. The outcome is the product, not the workflow.
Software wraps around you
As coding becomes commoditised, no one should accept bending their bespoke processes around what a SaaS platform can deliver. nRisk wraps around your processes and policies, almost effortlessly. Configuration, not customisation.
Built for the EU AI Act
AI brings productivity but also governance, explainability, and compliance risk. A precise audit trail on how every outcome is reached is no longer optional. It's a regulatory requirement. nRisk is built deterministic-first, explainable by design.
"We believe software should be invisible. nRisk works in the background to orchestrate data and verify compliance with internal and external policies and regulations, delivering a final, auditable 'Yes' or 'No' directly into your existing workflow. You manage the business; we handle the integrity of the decision."
nRisk: the harness for corporate trade risk. Rules based where possible, AI supported where needed, always with humans in the loop.
Business-partner lifecycle
One record. The full lifecycle.
nRisk orchestrates the entire business-partner lifecycle (onboarding, renewal, and ongoing monitoring) across credit, KYC, and fraud risk, for international corporates.
01
Onboarding
New prospect or supplier? Credit assessment, sanctions screening, KYC, and fraud checks run together in one flow, not five separate processes across five systems.
02
Renewal
Periodic reviews triggered automatically. Limits re-assessed, compliance re-screened, exposure re-evaluated, all against the same up-to-date business-partner record.
03
Ongoing monitoring
Continuous signal and delta detection. A credit downgrade, a sanctions hit, a payment deterioration: surfaced the moment it happens and routed to the right flow for action.
Why nRisk
Built for CFOs leading digitalisation.
Not a point solution. A platform designed for the CFO who needs to break down risk silos and build a defensible, scalable operation.
Live in 2–3 weeks
Configuration, not customisation. Zero custom code. Wrapped around your existing processes.
Defensible by design
Built on a methodology from an ESMA-registered rating agency. Every decision is auditable, explainable, and policy-aligned.
Modular by nature
Start with credit risk. Add compliance, supplier, or fraud risk when your remit expands.
AI native
Agentic task support, NL2SQL reporting, ML scoring: intelligence shared across every flow.
Data agnostic
BYO data or leverage our reseller network. Coface, CreditSafe, LSEG, LexisNexis and more.
One record
Every risk lens looks at the same business-partner record. No duplicate reviews. No scattered audit trail.
For the office of the CFO
Risk is your remit.
As corporates digitalise, the full spread of business-partner risk (credit, compliance, supplier, fraud) converges on the office of the CFO. nRisk gives finance leaders one defensible, auditable, board-ready view of it all.
Defensible to the board, the auditor, the regulator
Every decision carries a precise, step-by-step audit trail of how the outcome was reached. Built deterministic-first for the EU AI Act: no black-box scores you can't explain when challenged.
Lower total cost of risk operations
Replace 5+ disconnected systems and the duplicated reviews between them. Automation handles the operational load. Live in 2–3 weeks with zero custom code, not a €500k, 6–12 month implementation.
Commercial agility, not just control
Faster, consistent credit and onboarding decisions reduce friction between sales and risk, turning risk management from a brake into a competitive advantage. We don't sell workflow; we sell agility and stakeholder trust.
A digitalisation step you can stand behind
A provider-neutral, future-proof architecture that wraps around your processes. No betting the function on a single data provider or LLM. A platform that advances your digitalisation objective without locking you in.
1
platform, every risk lens
2–3
weeks to go live
5+
disconnected systems replaced
€0
custom code required
From the founders
The same business partner gets reviewed multiple times by the same people in multiple systems. The audit trail is scattered. We built nRisk to fix exactly that.
Frank Hommersen & Mark Wessels Co-founders, nRisk · 44 years inside this exact market.
Frank Hommersen
Co-founder · 19 years
19 years in corporate trade risk, company information and risk technology. Built his career at Bureau van Dijk and Moody's, working with multinationals on credit-risk, data and business-partner management.
Mark Wessels
Co-founder · 25 years
25+ years in company information, software and commercial leadership. Built sales and sales-operations teams at Bureau van Dijk and Moody's, helping organisations get more value from their data and risk processes.
Our partners
Best-in-class data, provider-neutral by design.
nRisk stays data-agnostic: you're never locked into a single source. We partner with leading credit information and rating providers so you can choose the data that fits your portfolio, your regions, and your risk appetite.
Multiple roles
A Dutch credit-management specialist founded in 2001, combining in-house credit-management software with its own credit-information database. CreditDevice is also the source of PolisManager (the credit-insurance policy tool that links to the major trade credit insurers), underpinning nRisk TCI Connect, the trade credit insurance submodule of Credit Flow.
What they bring to nRisk
Dutch credit information & live payment experiences · credit-management tooling · PolisManager for TCI Connect policy management
Rating agency
Europe's first fintech credit rating agency, founded in 2009 and registered with ESMA as a Credit Rating Agency and ECAI since 2015. modeFinance is the source of the MORE score: a machine-learning credit-risk methodology that forms the transparent, explainable foundation beneath nRisk Limit IQ.
What they bring to nRisk
The MORE score · ESMA-registered rating methodology · explainable scoring as the basis for Limit IQ
Business information
The business-information arm of Coface, a global credit specialist with 70+ years of experience and data on 240 million companies worldwide. Coface Business Information supplies company credit reports and the Debtor Risk Assessment (DRA): a 0–10 score of a company's probability of default over 12 months.
What they bring to nRisk
Global company credit reports · Debtor Risk Assessment scores · worldwide coverage across 195 countries
Bring your own, or use ours. These partnerships sit alongside nRisk's API-first, data-agnostic architecture: you can connect your existing providers or leverage the nRisk reseller network. Either way, no single provider owns your decisions.
Frequently asked
Questions about nRisk
What is nRisk?
nRisk is a unified corporate trade-risk platform from Amsterdam. It brings credit, compliance, supplier and fraud risk together on one business-partner record and delivers final, auditable decisions directly into your existing workflow. The platform has three layers: nRisk One (data), nRisk Flows (decisions) and nRisk IQ (intelligence).
Who is nRisk built for?
nRisk is built for CFOs, finance directors and credit, risk and compliance leaders at international corporates who want to replace fragmented risk tools with one defensible, auditable process. It covers the full business-partner lifecycle: onboarding, renewal and ongoing monitoring.
How long does it take to implement nRisk?
Typical go-live is 2–3 weeks. nRisk is configured, not customised: zero custom code, wrapped around your existing processes and systems, instead of a 6–12 month implementation.
Which data providers does nRisk work with?
nRisk is data-agnostic and provider-neutral. You can connect your existing providers or use the nRisk reseller network, including Coface, CreditSafe, CreditDevice, LSEG and LexisNexis. modeFinance, an ESMA-registered credit rating agency, supplies the MORE score that underpins Limit IQ.
How does nRisk use AI?
nRisk is deterministic-first: rules-based where possible, AI supported where needed, always with humans in the loop. AI orchestrates; humans decide. Every decision carries a step-by-step audit trail, built for the transparency and oversight standards of the EU AI Act. nRisk is LLM-agnostic, so you can use the AI provider your organisation has already approved.
How much does nRisk cost?
nRisk starts from €7,999 per year on a two-year licence for Mid Corporate organisations, with nRisk One and Credit Flow included. Use the pricing configurator for an indicative annual price.
