MODEFINANCE SRL

Their core work

modeFinance is an Italian fintech SME specializing in automated credit rating, financial scoring, and ESG assessment tools. Their core product (S-PEEK) provides instant, affordable access to company credit ratings and financial health data. They apply statistical modeling and data analytics to financial risk assessment across sectors — from evaluating SME creditworthiness to benchmarking energy efficiency within ESG frameworks. More recently, they have expanded into sustainable finance analytics, helping standardize how energy efficiency performance is disclosed and rated.

What they specialise in

How they've shifted over time

modeFinance began with a tight focus on fintech fundamentals — their 2016 S-PEEK project built an accessible credit rating tool, and the 2019 FIN-TECH project extended into financial compliance training. From 2020 onward, their work shifted decisively toward sustainable finance and ESG: TranspArEEnS (their largest project by far) applies their rating expertise to energy efficiency scoring, while PERISCOPE showed they can deploy their statistical modeling skills outside finance entirely. The trajectory is clear — from generic credit scoring toward specialized ESG and sustainability assessment.

modeFinance is repositioning from general-purpose credit scoring toward ESG and green finance analytics — a high-growth area where their rating methodology gives them a natural advantage.

How they like to work

modeFinance primarily operates as a participant (3 of 4 projects), contributing specialized financial analytics within larger consortia. They coordinated one SME Phase 1 project (S-PEEK) to develop their own product, then joined progressively larger teams as a domain expert. With 56 unique partners across 24 countries from just 4 projects, they work in broad, diverse consortia rather than repeating with the same partners — suggesting they are valued as a niche specialist brought in for specific financial modeling tasks.

Despite being a small company with only 4 H2020 projects, modeFinance has built connections with 56 unique partners across 24 countries — reflecting their participation in large pan-European consortia like PERISCOPE and TranspArEEnS. Their network spans well beyond Italy across most of Europe.

What sets them apart

modeFinance sits at a rare intersection: they combine automated financial rating technology with deep expertise in ESG and energy efficiency assessment. While many fintech companies do credit scoring and many consultancies advise on ESG, few SMEs can offer both standardized rating methodologies and the technical infrastructure to scale them. For consortium builders, they bring a ready-made financial analytics platform that can be adapted to new domains — as demonstrated by their pivot from credit ratings to ESG benchmarks to epidemiological modeling.

Highlights from their portfolio

• TranspArEEnS
  Their largest project (EUR 280,750) and clearest signal of strategic direction — standardizing how energy efficiency is rated within ESG frameworks, with direct implications for sustainable finance policy.
• PERISCOPE
  Demonstrates versatility: a fintech company contributing statistical modeling to a major pan-European COVID-19 response project, showing their analytics skills transfer beyond finance.
• S-PEEK
  Their only coordinated project and origin story — an SME Phase 1 that built their core credit rating product, the foundation for everything that followed.