Use Case · Credit Risk
Solvency checks on autopilot.
An end to tedious financial research: an agent pulls balance sheet figures, annual statements, and insolvency signals automatically from official sources — for decisions that hold up.
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At a glance
An agent keeps your portfolio's risk assessment current — with official financial data instead of gut feeling.
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Data: Balance sheet positions, P&L, published annual statements, ownership structures, and insolvency publications — from official sources.
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Workflow: Connect the portfolio, the agent monitors in the background, anomalies land immediately in the risk record.
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Integration: Into risk systems and reporting via API — or into AI agents like Claude, ChatGPT, and Gemini via the MCP server.
The tedious routine
Maintaining risk data by hand is a risk itself
The bigger the portfolio, the bigger the gap between the file and reality.
Tedious source work
Federal Gazette, register portal, individual PDFs: financial data gets searched and retyped company by company.
A snapshot instead of the present
The assessment is based on the last manual research — whatever happened since is not in the file.
Warning signals arrive too late
In the worst case you learn about a debtor's insolvency from the newspaper — instead of from your own monitoring.
How it works
From exposure to continuous monitoring — in three steps
Set it up once and the agent keeps every assessment current by itself.
Connect the portfolio
Debtors, suppliers, or holdings come straight from your records — by company name or registration number.
The agent monitors continuously
The agent pulls balance sheet figures, annual statements, and insolvency signals from the commercial register and reconciles them.
Early warning & reporting
Anomalies and updated assessments land automatically in the risk record and your reporting.
The impact
The whole portfolio in view — with no extra effort
What automated monitoring means compared to manual financial research — calculated conservatively.
0 min
active time per exposure — the agent takes over
60+ hrs
won back per quarter with 250 exposures
100 %
official, verifiable financial data
Active time per exposure
Active effort per quarter
Example calculation: avg. 15 minutes of manual financial research per company (finding the statement, transferring KPIs, insolvency check, documentation). With handelsregister.ai, monitoring runs fully automatically in the background after a one-time setup — active time is practically zero. Actual savings depend on portfolio and process.
Data foundation
What your assessment is built on. Official.
Every figure traces back to published official filings — verifiable down to the source document.
Balance sheet & P&L
Balance sheet positions and profit and loss account — structured and machine-readable for your models.
Annual statements
Published financial statements in the original — the evidence behind every assessment.
Insolvency signals
Insolvency publications and critical register changes — an early warning for your portfolio.
Ownership structures
Shareholders and interconnections — concentration risks become visible before they hurt.
Your benefits
What risk teams gain
Verifiable down to the source
Every figure comes from official filings and traces back to the original document — for auditors and internal review alike.
Early warning instead of obituary
Insolvency signals and register changes surface immediately — not at the next review.
Seamless integration
Connects with risk systems, reporting, and AI agents — no media breaks.
Portfolio instead of sample
Monitor every exposure continuously instead of a few by sample — effort stays zero.
Custom solution
Your risk monitoring, as a finished agent.
For institutions with specific requirements, we develop custom end-to-end agents: from data connection and your risk logic to the finished report in your systems. Nothing off the shelf — designed together with you.
- Joint analysis of your risk processes
- Custom development of your agent
- Integration into your existing systems
FAQ
Frequently asked questions from risk teams
All data comes from official publications: the German commercial register and the annual statements filed there. Every figure traces back to the original document — for auditors and internal review alike.
Retrieval runs directly against the official sources at query time. Annual statements are available as soon as they are published; insolvency publications and register changes continuously.
Yes. A scheduled run re-checks all exposures regularly — from a single debtor to the entire portfolio, with no additional effort.
Yes. Via the MCP server, AI agents access financial data and documents directly — for example to assemble a solvency assessment on request. Setup is described in the documentation.
Billing is per retrieval through a transparent credit model — see the pricing page for details. No hidden fees.
Yes, on request. We develop custom end-to-end agents tailored exactly to your risk processes — always starting with a conversation. Just write to us at [email protected].
Put your risk monitoring on autopilot
Sign up, create an API key, monitor your first exposure — within minutes.
Full documentation with examples for every endpoint.