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Fincent
Enschede, Netherlands
What it is
Fincent is a web application for debt counseling, covering the path from early signs of financial difficulty through becoming debt free. Organizations can select individual modules or a complete package, delivered as SaaS with automatic updates. Early-warning tools process signals from housing associations, energy and water suppliers, and health insurers, with a route planner. Debt-settlement tools help create debt lists, prepare and send proposals, negotiate with creditors, and communicate with residents. A smartphone-friendly resident portal supports DigiD login, file viewing, and secure document sharing. Listed connections include case systems through the ZGW API, BRP, VISH, and the Debt Junction, with VISH and Debt Junction interfaces included as standard. Fincent states that it is ISO 27001 certified, receives an independent annual ICT security assessment, stores data in European Economic Area data centers, and follows AVG requirements. It was developed for municipalities, credit banks, neighborhood teams, money counters, and social counselors. Implementation averages three to six months, depending on modules and integrations.
For and against
For
- Modular SaaS package options
- Processes several early-warning signal sources
- Resident portal supports DigiD and documents
- Includes listed case-system integrations
- Automatic updates without downtime
Against
- Pricing requires a customized quote
- Implementation averages three to six months
- Available platform is web only
The verdict
Fincent brings early detection, settlement work, resident communication, and integrations into a modular SaaS application. Organizations should map required modules and external links before requesting a quote.
Who it suits
Fincent is aimed at municipalities, credit banks, neighborhood teams, money counters, and social counselors. It fits organizations that need early-warning, debt-settlement, creditor-tracking, and counselor workspaces.
Plans and prices
Fincent SaaS subscription
Price depends on selected modules · municipality size · required external system links
Read 4 Oct 2026 · innovadis.com
On the record
- Accessibility
- Fincent was developed according to WCAG 2.1 level AA guidelines.innovadis.com · read 4 Oct 2026
- Data location
- The maker says data is stored and processed in secure data centers within the European Economic Area and that Fincent complies with AVG requirements.innovadis.com · read 4 Oct 2026
- Debt settlement
- The debt settlement module supports building a debt list, preparing and sending proposals, negotiating with creditors, and communicating with residents.innovadis.com · read 4 Oct 2026
- Early warning
- The early warning module processes financial difficulty signals from housing associations, energy suppliers, water suppliers, and health insurers, and includes a route planner.innovadis.com · read 4 Oct 2026
- Implementation
- The maker says implementation averages 3 to 6 months depending on modules and required integrations, and includes configuration, team training, and go-live support.innovadis.com · read 4 Oct 2026
- Integrations
- Fincent lists integrations with case systems via the ZGW API, BRP, VISH, and the Debt Junction; the VISH and Debt Junction interfaces are included as standard.innovadis.com · read 4 Oct 2026
- Intended customers
- Fincent was developed for municipalities, credit banks, neighborhood teams, money counters, and social counselors, and the maker says it scales from 10,000 to 1,500,000 residents.innovadis.com · read 4 Oct 2026
- Maker location
- Innovadis lists its address as Brouwerijstraat 1-A1, 7523 XC Enschede, Netherlands.innovadis.com · read 4 Oct 2026
- Modular SaaS
- Organizations can buy individual modules or a total package, and the software is provided as SaaS with automatic updates.innovadis.com · read 4 Oct 2026
- Price availability
- The maker offers a customized quote after an introductory meeting and inventory; the SaaS subscription includes maintenance, updates, and security.innovadis.com · read 4 Oct 2026
- Purpose
- Fincent is an application for debt counseling that supports the process from early detection through becoming debt free.innovadis.com · read 4 Oct 2026
- Resident portal
- Residents can view their file through a smartphone-friendly web app, log in with DigiD, and securely share documents.innovadis.com · read 4 Oct 2026
- Security certification
- The product page states that Fincent is ISO 27001 certified and undergoes an independent annual ICT security assessment, including for the DigiD connection.innovadis.com · read 4 Oct 2026
- Updates
- The maker says updates run automatically in the background without downtime and are provided every two weeks.innovadis.com · read 4 Oct 2026
