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SPECIFICTION
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Fincent

innovadis.com

Web
Visit innovadis.com
Spec score 6.9 #21 of 23 in Debt Management Software

What it is

Fincent is a web application for debt counseling, covering early signs of financial difficulty through becoming debt free. Organizations can buy individual modules or a complete SaaS package, with automatic updates. The early-warning module processes signals from housing associations, energy suppliers, water suppliers, and health insurers, and includes a route planner. Debt-settlement tools support debt lists, creditor proposals, negotiations, and resident communication. Residents can view their file in a smartphone-friendly web app, sign in with DigiD, and share documents securely. Integrations include case systems through the ZGW API, BRP, VISH, and the Debt Junction; VISH and Debt Junction interfaces are standard. Fincent lists balance tracking, creditor tracking, and a counselor workspace. The maker states ISO 27001 certification, annual independent ICT security assessments, European Economic Area data centers, AVG compliance, and WCAG 2.1 AA development. Implementation averages three to six months, depending on modules and integrations. Pricing is customized by modules, municipality size, and external links.

Spec sheet

Purpose
Fincent is an application for debt counseling that supports the process from early detection through becoming debt free.Read 4 Oct 2026 · innovadis.com
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.Read 4 Oct 2026 · innovadis.com
Headquarters
Enschede, NetherlandsRead 28 Sep 2026 · innovadis.com
Accessibility
Fincent was developed according to WCAG 2.1 level AA guidelines.Read 4 Oct 2026 · innovadis.com
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.Read 4 Oct 2026 · innovadis.com
Debt settlement
The debt settlement module supports building a debt list, preparing and sending proposals, negotiating with creditors, and communicating with residents.Read 4 Oct 2026 · innovadis.com
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.Read 4 Oct 2026 · innovadis.com
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.Read 4 Oct 2026 · innovadis.com
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.Read 4 Oct 2026 · innovadis.com
Maker location
Innovadis lists its address as Brouwerijstraat 1-A1, 7523 XC Enschede, Netherlands.Read 4 Oct 2026 · innovadis.com
Modular SaaS
Organizations can buy individual modules or a total package, and the software is provided as SaaS with automatic updates.Read 4 Oct 2026 · innovadis.com
Price availability
The maker offers a customized quote after an introductory meeting and inventory; the SaaS subscription includes maintenance, updates, and security.Read 4 Oct 2026 · innovadis.com
Resident portal
Residents can view their file through a smartphone-friendly web app, log in with DigiD, and securely share documents.Read 4 Oct 2026 · innovadis.com
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.Read 4 Oct 2026 · innovadis.com
Updates
The maker says updates run automatically in the background without downtime and are provided every two weeks.Read 4 Oct 2026 · innovadis.com

Plans and prices

Fincent SaaS subscription Priced on request Price depends on selected modules · municipality size · required external system links Read 4 Oct 2026 · innovadis.com

Every Fincent plan and price →

Strong points and limits

Strong points

  • Modular SaaS purchase options
  • Resident portal supports DigiD and document sharing
  • Early-warning signals cover several providers
  • VISH and Debt Junction included as standard
  • Automatic updates every two weeks

Limits

  • Pricing requires a customized quote
  • Implementation averages three to six months
  • Web platform only
  • Implementation depends on integrations

Who it suits

Fincent suits municipalities, credit banks, neighborhood teams, money counters, and social counselors. It is designed for organizations supporting residents through structured debt-counseling processes.

Verdict

Fincent combines early-warning, settlement, resident access, and listed Dutch integrations in one SaaS application. Plan for a customized quote and a multi-month implementation.

Where Specifiction places it

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