A Foundation of Trust
Instant affordability decision
Document verified
PSD2 Bank connected
Income Calculated
Risk profile complete
Wealth Check is built by Bluem: a fintech and regtech specialist with a proven track record in creditworthiness and business-critical transaction services.
Bluem’s WealthCheck combines multiple sources (income docs, PSD2 and public registers), improving check quality and providing end-users flexible ways to prove financial health.
Banking & Lending
Business to Business
Real Estate & Mortgages
Gambling & Player Protection
BNPL, Retail Finance & Leasing
A Foundation of Trust
Instant affordability decision
Wealth Check is built by Bluem: a fintech and regtech specialist with a proven track record in creditworthiness and business-critical transaction services.
Bluem’s Wealth Check combines multiple sources (income docs, PSD2 and public registers), improving check quality and providing end-users flexible ways to prove financial health.
Banking & Lending
Business to Business
Real Estate & Mortgages
Gambling & Player Protection
BNPL, Retail Finance & Leasing
Document verified
PSD2 Bank connected
Income Calculated
Risk profile complete
Document verified
PSD2 Bank connected
Income Calculated
Risk profile complete
01
Who we are ?
Bluem Wealth Check and Why It Is Special?
Bluem Wealth Check and Why It Is Special?
Wealth Check is based on new sources, technologies and methods to determine affordability or creditworthiness. Next it is instant, fully automated, utilizing machine learning, and based on multiple sources (income docs, PDS2, public registers) improving the quality of the decision-making. Industries that benefit most are banking, lending, real-estate, mortgage, BNPL, retail finance, leasing, gaming and B2B.
Wealth Check is based on new sources, technologies and methods to determine affordability or creditworthiness. Next it is instant, fully automated, utilizing machine learning, and based on multiple sources (income docs, PDS2, public registers) improving the quality of the decision-making. Industries that benefit most are banking, lending, real-estate, mortgage, BNPL, retail finance, leasing, gaming and B2B.
2001
Founded in
1300+
Clients
15M+
Users verified
2001
Founded in
1300+
Clients
15M+
Users verified
02
Features
The Wealth Check Features
The Wealth Check Features
Upload or scan any income document
Supports payslips, annual salary statements, tax statements, and bank statements. Real-time OCR and AI-driven data capture with metadata checks, format validation, and fraud scoring.
Disposable income calculation
We assess financial stability, affordability, and free income to provide a realistic view of disposable income.
Risk profile
We cross-check documents, public registers, and bank data to spot inconsistencies, unrealistic income profiles, and behavioral or stability risk indicators.
PSD2 bank data analysis
With user consent, we access transactions via open banking. Transactions are automatically classified and interpreted to verify income, fixed expenses, loans, and credit cards.
Upload or scan any income document
Supports payslips, annual salary statements, tax statements, and bank statements. Real-time OCR and AI-driven data capture with metadata checks, format validation, and fraud scoring.
Disposable income calculation
We assess financial stability, affordability, and free income to provide a realistic view of disposable income.
Risk profile
We cross-check documents, public registers, and bank data to spot inconsistencies, unrealistic income profiles, and behavioral or stability risk indicators.
PSD2 bank data analysis
With user consent, we access transactions via open banking. Transactions are automatically classified and interpreted to verify income, fixed expenses, loans, and credit cards.
Upload or scan any income document
Supports payslips, annual salary statements, tax statements, and bank statements. Real-time OCR and AI-driven data capture with metadata checks, format validation, and fraud scoring.
Disposable income calculation
We assess financial stability, affordability, and free income to provide a realistic view of disposable income.
Risk profile
We cross-check documents, public registers, and bank data to spot inconsistencies, unrealistic income profiles, and behavioral or stability risk indicators.
PSD2 bank data analysis
With user consent, we access transactions via open banking. Transactions are automatically classified and interpreted to verify income, fixed expenses, loans, and credit cards.
Upload or scan any income document
Supports payslips, annual salary statements, tax statements, and bank statements. Real-time OCR and AI-driven data capture with metadata checks, format validation, and fraud scoring.
Disposable income calculation
We assess financial stability, affordability, and free income to provide a realistic view of disposable income.
Risk profile
We cross-check documents, public registers, and bank data to spot inconsistencies, unrealistic income profiles, and behavioral or stability risk indicators.
PSD2 bank data analysis
With user consent, we access transactions via open banking. Transactions are automatically classified and interpreted to verify income, fixed expenses, loans, and credit cards.
Upload or scan any income document
Supports payslips, annual salary statements, tax statements, and bank statements. Real-time OCR and AI-driven data capture with metadata checks, format validation, and fraud scoring.
Upload or scan any income document
Supports payslips, annual salary statements, tax statements, and bank statements. Real-time OCR and AI-driven data capture with metadata checks, format validation, and fraud scoring.
PSD2 bank data analysis
With user consent, we access transactions via open banking. Transactions are automatically classified and interpreted to verify income, fixed expenses, loans, and credit cards. Bank data can’t be manipulated making PSD2 highly reliable.
PSD2 bank data analysis
With user consent, we access transactions via open banking. Transactions are automatically classified and interpreted to verify income, fixed expenses, loans, and credit cards. Bank data can’t be manipulated making PSD2 highly reliable.
Disposable income calculation
We assess financial stability, affordability, and free income to provide a realistic view of disposable income.
Disposable income calculation
We assess financial stability, affordability, and free income to provide a realistic view of disposable income.
Risk profile
We cross-check documents, public registers, and bank data to spot inconsistencies, unrealistic income profiles, and behavioral or stability risk indicators.
Risk profile
We cross-check documents, public registers, and bank data to spot inconsistencies, unrealistic income profiles, and behavioral or stability risk indicators.
03
Beyond Traditional Credit Scores
Move beyond outdated company credit scores
Move beyond outdated company credit scores
Annual accounts are outdated and incomplete. PSD2 bank data delivers real-time financial insight.
Annual accounts are outdated and incomplete. PSD2 bank data delivers real-time financial insight.
Real-Time Financial Insight
Traditional annual accounts provide a snapshot that is often outdated and incomplete, making it hard to assess a company’s true financial health. With PSD2-enabled bank data, you gain live, accurate insight into a company’s cash flow, monthly turnover growth, and payment behavior, allowing you to understand a company’s financial position as it happens.
Real-Time Data vs. Annual Reports
Traditional credit scoring companies base their assessments on a company’s filed annual report at the Chamber of Commerce. By definition, this information is at least one year old.
Bluem’s Wealth Check provides real-time, up-to-date insights into a company’s financial performance and health. With Wealth Check, you make decisions based on current financial data - not outdated reports.
Company Insights at a Glance
Get a clear, real-time view of a company’s financial health.
Turnover and performance trends
(last 6 months)
Expense overview
(last 6 months)
Pre-tax net results
(last 6 months)
Customer concentration risk score
(1–5 Scale)
Payment behavior score
(1–5 Scale)
Real-Time Financial Insight
Traditional annual accounts provide a snapshot that is often outdated and incomplete, making it hard to assess a company’s true financial health. With PSD2-enabled bank data, you gain live, accurate insight into a company’s cash flow, monthly turnover growth, and payment behavior, allowing you to understand a company’s financial position as it happens.
Real-Time Data vs. Annual Reports
Traditional credit scoring companies base their assessments on a company’s filed annual report at the Chamber of Commerce. By definition, this information is at least one year old.
Bluem’s Wealth Check provides real-time, up-to-date insights into a company’s financial performance and health. With Wealth Check, you make decisions based on current financial data - not outdated reports.
Company Insights at a Glance
Get a clear, real-time view of a company’s financial health.
Turnover and performance trends
(last 6 months)
Expense overview
(last 6 months)
Pre-tax net results
(last 6 months)
Customer concentration risk score
(1–5 Scale)
Payment behavior score
(1–5 Scale)
Real-Time Financial Insight
Traditional annual accounts provide a snapshot that is often outdated and incomplete, making it hard to assess a company’s true financial health. With PSD2-enabled bank data, you gain live, accurate insight into a company’s cash flow, monthly turnover growth, and payment behavior, allowing you to understand a company’s financial position as it happens.
Real-Time Data vs. Annual Reports
Traditional credit scoring companies base their assessments on a company’s filed annual report at the Chamber of Commerce. By definition, this information is at least one year old.
Bluem’s Wealth Check provides real-time, up-to-date insights into a company’s financial performance and health. With Wealth Check, you make decisions based on current financial data - not outdated reports.
Company Insights at a Glance
Get a clear, real-time view of a company’s financial health.
Turnover and performance trends
Expense overview
Pre-tax net results
Customer concentration risk score
Payment behavior score
04
Designed by Experts
Built by Specialists
Wealth Check is built by a global team that combines financial, banking, and technical expertise with strong business know-how.
Rieko Kester
CEO
Aviël Ossi
CTO
Peter Meester
Lead Developer
Gian Lucas de Abreu
Full-Stack Developer
05
Culture of Trust
Trust in Every Detail
We evolve with regulations and technology, enabling clients to scale with confidence while remaining compliant, transparent, and user-focused. We sweat the details.
04
Designed by Experts
Built by Specialists
Wealth Check is built by a global team that combines financial, banking, and technical expertise with strong business know-how.
Rieko Kester
CEO
Aviël Ossi
CTO
Peter Meester
Lead Developer
Gian Lucas de Abreu
Full-Stack Developer
04
Designed by Experts
Built by Specialists
Wealth Check is built by a global team that combines financial, banking, and technical expertise with strong business know-how.
Rieko Kester
CEO
Aviël Ossi
CTO
Peter Meester
Lead Developer
Gian Lucas de Abreu
Full-Stack Developer
05
Culture of Trust
Trust in Every Detail
We evolve with regulations and technology, enabling clients to scale with confidence while remaining compliant, transparent, and user-focused. We sweat the details.
05
Culture of Trust
Trust in Every Detail
We evolve with regulations and technology, enabling clients to scale with confidence while remaining compliant, transparent, and user-focused. We sweat the details.
See Your Customer’s Financial Risk Like Never Before
See Your Customer’s Financial Risk Like Never Before
Request a demo today and see how Wealth Check delivers actionable affordability, risk, and fraud insights—fast, secure, and privacy-first.
Request a demo today and see how Wealth Check delivers actionable affordability, risk, and fraud insights—fast, secure, and privacy-first.
Bluem Websites
Contact us
+31 (0)85-222040
info@bluem.nl
Smallepad 30, 3811 MG Amersfoort, Netherlands
© 2025 Bluem. All rights reserved.