Fincent
Fincent is web-based debt counseling software for organizations that support residents from early signs of financial difficulty through debt resolution.
What Fincent is
Fincent is web-based debt counseling software for organizations that support residents from early signs of financial difficulty through debt resolution. Its modules can be selected individually or combined, and the SaaS service receives automatic updates. An early-warning module processes signals from housing associations, energy and water suppliers, and health insurers, with a route planner. For debt settlement, counselors can build debt lists, prepare and send proposals, negotiate with creditors, and communicate with residents. Residents can view their file in a smartphone-friendly web app, sign in with DigiD, and share documents securely. Fincent lists connections to case systems through the ZGW API, BRP, VISH, and the Debt Junction; VISH and Debt Junction interfaces are included as standard. The maker says the product is ISO 27001 certified, has an annual independent ICT security assessment, and stores data in the European Economic Area. It was developed for municipalities, credit banks, neighborhood teams, money counters, and social counselors. Pricing is on request.
Good
- Modules can be bought individually or as a package.
- Early-warning signals include a route planner.
- Residents can securely share documents through the portal.
- VISH and Debt Junction interfaces are standard.
- Updates run automatically in the background.
Watch out
- Pricing is available only on request.
- Implementation averages 3 to 6 months.
- Available on web only.
Who it suits
Fincent suits municipalities and other counseling organizations that need tools for early intervention, debt settlement, and resident communication. Its listed customer types include credit banks, neighborhood teams, money counters, and social counselors.
Verdict
Fincent covers both early warning and debt settlement, with a resident portal and listed integrations for organizational workflows. Organizations should account for a customized quote and an implementation period that averages 3 to 6 months.
Plans and prices
From Fincent's own pricing page, checked 4 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Fincent SaaS subscription | Priced on request | Price depends on selected modules · municipality size · required external system links |
The facts
Each one read from Fincent's own pages, with the date it was checked.
What it does
- Accessibility
- Fincent was developed according to WCAG 2.1 level AA guidelines.checked 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.checked 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.checked 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.checked 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.checked 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.checked 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.checked 4 Oct 2026
- Modular SaaS
- Organizations can buy individual modules or a total package, and the software is provided as SaaS with automatic updates.checked 4 Oct 2026
- Purpose
- Fincent is an application for debt counseling that supports the process from early detection through becoming debt free.checked 4 Oct 2026
- Resident portal
- Residents can view their file through a smartphone-friendly web app, log in with DigiD, and securely share documents.checked 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.checked 4 Oct 2026
- Updates
- The maker says updates run automatically in the background without downtime and are provided every two weeks.checked 4 Oct 2026
The company
- Headquarters
- Enschede, Netherlandschecked 28 Sep 2026
- Maker location
- Innovadis lists its address as Brouwerijstraat 1-A1, 7523 XC Enschede, Netherlands.checked 4 Oct 2026
Money
- Price availability
- The maker offers a customized quote after an introductory meeting and inventory; the SaaS subscription includes maintenance, updates, and security.checked 4 Oct 2026
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