We combine knowledge of the Dutch mortgage market with software, economics and econometrics. Data shows what is actually going on; engineering turns that into systems that work. Often with AI, never for its own sake.
We started with mortgages and banking. The work has grown wider since, but the combination is the same: domain knowledge, software engineering, economics and econometrics.
We know the Dutch mortgage chain from advice and application to underwriting, acceptance and servicing, and on the lender side, risk management and the regulation that comes with it.
Complete solutions, from backends and document extraction to full-stack applications, mobile apps and AI in everyday workflows.
Economics and econometrics inside the products we build, and as analysis in their own right: clear, rigorous and defensible, for companies, lawyers and courts.
The company grew out of an information-extraction pipeline for mortgage documents. It helps advisers prepare applications, and lenders check and accept them.
The same combination of knowledge turned out to be useful well beyond mortgages.
What we build is only as good as our grasp of the substance behind it. We use data to establish what can actually be measured and defended.
The work has academic roots: one of us is a full professor at Tilburg University.
Based in the Netherlands, close to our clients. No standard package, no favourite technology. As simple as the problem allows, and no simpler.
One is infrastructure that other software talks to. The other is an app you hold in your hand.
An extraction pipeline for the documents in a mortgage application: payslips, employer declarations, identity documents, purchase agreements, appraisal reports, DUO statements and Chamber of Commerce extracts. A document goes in; every relevant field comes back as structured data, each with a confidence score. Advisers work faster, lenders get what they need for their checks, and the complexity stays out of sight.
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Photograph a meal, add a few words if you like, and the app tells you what is in it and how the day adds up. Behind it, vision models, speech recognition and barcode lookup work together; in front, an iOS app that stays out of the way.
Read more →We know the mortgage application process from start to finish, and risk management at banks. We understand marketing, economics and how platforms work, and how systems fit together. You can leave the problem with us.
We start with what you want to achieve and what you need. Technology comes later.
Privacy, compliance and the GDPR shape the design from the first day, not at the end.
A lot is possible without hardware of your own. Where data has to stay in-house, everything can run locally too. What can be done changes quickly, and we follow it closely.
We take care of the difficult parts. You get a clean interface with modern sign-in that fits your systems, or simply an API: send something in, get something back.
Full stack, from the app to the servers behind it, often with AI. For instance:
And a good deal more.
You send the data. You get back a PDF report in your own template, with clear charts and an interpretation of what the numbers mean, ready to pass around by email. For those who have had enough of dashboards.
If our combination of expertise could help, we would like to hear from you.