goscore
Goscore AS is a Bergen-based, Nordic-first Credit Reference Agency that uses Open Banking data and machine learning to deliver fair consumer credit scores (free app) and B2B credit risk, affordability, and solvency decisioning APIs to banks, insurers, and other Nordic financial institutions.
- Company typePrivate
- Founded2019
- HeadquartersBergen, Norway
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What goscore does
Goscore AS is a Bergen, Norway-based, Nordic-first Credit Reference Agency (CRA) supervised by Datatilsynet. Founded in 2019, the company operates a dual-segment credit scoring platform: a free consumer-facing app (plus the no-registration Debt-Free Tool) that delivers a 0–999 fair credit score, personalised tips, and budgeting features; and a B2B suite of ML-driven credit risk, affordability verification, and behavioural profiling solutions sold to banks, insurance companies, debt collection agencies, eCommerce platforms, and real estate landlords.
Under the hood, goscore ingests Open Banking transaction data via consent-based aggregation, enriches it with Norwegian public registers and behavioural signals, and applies proprietary machine-learning models — including a transaction classification engine — to produce explainable, real-time credit decisions. Its B2B go-to-market is direct enterprise sales to financial institutions in the Nordics, with an API-first delivery model and quote-based, multi-year contracts. Sub-brands include sprove (tenant solvency verification and rental payment insurance) and the in-development Accounting Data APIs and SME Lending Solutions.
The revenue model combines B2B SaaS/API subscriptions to financial institutions with data monetisation of aggregated, anonymised behavioural insights; the consumer app is explicitly 'forever free', implying no near-term direct consumer revenue. The company is privately held, founder/CEO-led (Maksim Hardziyenak), and bootstrapped beyond approximately $120K of disclosed external funding from Techstars and accelerator programmes. Disclosed client outcomes include a 49% default-rate reduction, a 17% conversion lift, and a 24% acceptance-rate lift, although these are vendor-reported without third-party validation.
goscore firmographics
Firmographics- Name
- goscore
- Legal name
- Goscore AS
- Website
- https://goscore.me
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Goscore AS is a Bergen-based, Nordic-first Credit Reference Agency that uses Open Banking data and machine learning to deliver fair consumer credit scores (free app) and B2B credit risk, affordability, and solvency decisioning APIs to banks, insurers, and other Nordic financial institutions.
- Ownership category
- akta.pro rank
goscore industry classification
Industry- Product category
- Credit Scoring & Risk Analytics
- NAICS
- Credit Bureaus (561450), Credit Bureaus (56145)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Credit & Underwriting Data Services (alt data feeds, affordability, bureau augmentation) (FSAGACAH)
- akta.pro secondary industries
- Alternative / Non-Traditional Credit Data Providers (FSAKAKAB), Credit Score Monitoring & Credit Building (FSAGADAE), BNPL Underwriting & Credit Decisioning Platforms (FSAGAIAD)
Keywords
Where goscore is headquartered
LocationHeadquarters
- HQ city
- Bergen
- HQ country
- Norway
- HQ region
- Europe
Offices1 record
Markets served
goscore business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- B2B SaaS / API Subscriptions for Financial Institutions: goscore provides banks, insurance companies, and other financial institutions with ML-driven credit scoring, risk profiling, and affordability verification solutions via API. Financial institutions pay for access to goscore's data insights and decisioning tools to improve loan approvals, reduce defaults, and enhance onboarding experiences.
- Consumer Freemium App: Free consumer credit scoring app with personal financial advice, budgeting, and credit reports. App is described as 'forever free' for basic features. Revenue may be generated through referral to financial products or premium features in the future.
- Data Monetisation (Risk & Behavioral Insights): goscore monetises aggregated and anonymised behavioral risk profiles and customer data insights, sold to financial institutions and other B2B clients to enrich their risk assessment, customer profiling, and pricing strategies.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free consumer credit score and financial advice app |
| Freemium | Pay-as-you-go | Free debt repayment planning tool |
| Subscription | Multi-year contract | B2B enterprise solutions (pricing not publicly disclosed) |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
goscore product offering
Product offeringCore offering
goscore is a Nordic-first Credit Reference Agency that provides ML-driven credit scoring, risk profiling, affordability verification, and behavioral analytics to financial institutions via APIs and zero-integration onboarding. On the consumer side it offers a free credit scoring app and a free Debt-Free Tool for personal debt repayment planning, plus an sprove product for tenant solvency verification.
Product overview
goscore operates as a Nordic-first Credit Reference Agency (CRA) offering a dual-segment credit scoring platform. The consumer-facing goscore App provides free fair credit scores (0-999 scale), real-time updates, personalized financial advice, and budgeting tools with multi-bank connectivity. The Corporate/Business Solutions segment offers banks, insurance companies, and other financial institutions ML-powered tools for loan pre-screening, credit risk assessment, suitability screening, and tailored pricing strategy. The product portfolio includes the Debt-Free Tool for personal debt repayment planning and sprove for tenant solvency verification. Upcoming offerings include SME Lending Solutions and Accounting Data APIs for corporate customers.
Differentiator
Problem solved
Functional benefit
Brands
- sprove: Solvency verification product for tenant verification and rental payment insurance in real estate sector
- Debt-Free Tool
Quantifiable outcome
- 49% default rate reduction for financial institution clients using ML-driven credit models
- +3 more outcomes
Companies that use goscore
Customer profileNamed customers5 records
Segments6 records
Ideal customer profiles6 records
goscore technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability4 records
Feature6 records
goscore partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Norwegian Fintech Ecosystem (Context)minorgoscore operates within Norway's broader fintech ecosystem. Norway has emerged as a significant fintech innovation hub driven by high digital adoption rates, supportive government policies, and widespread cashless payment usage. goscore competes alongside companies like Exabel (AI-driven investment analytics), Signicat (digital identity services), Neonomics (bank API connectivity), and Aprila Bank (embedded financing for SMBs).
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
goscore competitors and assessment
Company assessmentDirect peers
- ClearScore: Consumer credit score and financial marketplace platform offering free credit reports and personalised product recommendations. Directly comparable to goscore's freemium consumer credit-scoring app and Debt-Free Tool proposition, though operating at significantly larger scale primarily in the UK.
- Tink: European Open Banking platform (owned by Visa) providing PSD2 bank connectivity, account data aggregation, and risk/credit insights. Comparable to goscore as a Nordic/European Open Banking infrastructure and credit-data layer for lenders, though Tink is infrastructure-only without goscore's consumer-facing CRA product.
- UC (Upplysningscentralen): Swedish credit reference agency (now part of UC AB) providing consumer and business credit information to Nordic banks and lenders. Highly comparable to goscore as a Nordic CRA serving banks and financial institutions, though with longer operating history and Sweden-focused coverage.
- Bisnode (Dun & Bradstreet): Nordic and European business and consumer data provider (now part of Dun & Bradstreet) offering credit reports, business information, and decisioning data. Comparable to goscore's CRA and underwriting data services for Nordic financial institutions and B2B customers.
- Nordigen (GoCardless): Open Banking data provider (acquired by GoCardless) offering free PSD2 bank account data and credit-decisioning APIs. Comparable to goscore's Open Banking data aggregation and credit decisioning platform for lenders, with a focus on affordability and risk analytics.
- Creditsafe: Global business and consumer credit bureau offering credit reports, scoring, and monitoring via subscription. Comparable to goscore's credit reporting, scoring, and monitoring offering for SMEs and lenders, with overlapping enterprise sales motion and API-based delivery.
Broad incumbents
- Equifax: Global credit bureau and analytics incumbent providing consumer and business credit reports, scoring, and decisioning to financial institutions. Comparable to goscore in core CRA and underwriting analytics, though operating at much broader global scale and across multiple product lines.
- Experian: Global consumer and business credit bureau leader with deep data scale and established bank relationships. Comparable to goscore as a CRA and credit decisioning provider serving banks, insurers, and fintechs, but at vastly larger scale and across many geographies rather than Nordic-focused.
- TransUnion: Global credit information and risk management company offering credit reports, scores, and decisioning to banks, insurers, and consumers. Directly comparable to goscore's CRA, credit scoring, and consumer credit-monitoring offerings, though at global scale.
Emerging players
- Kontist: German fintech offering business banking and financial insights for freelancers and SMEs, including expense management and credit-related features. Comparable as a European emerging fintech using Open Banking and ML to deliver credit/financial insights to underserved segments, similar to goscore's SME and consumer positioning.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
goscore social profiles
Digital presencegoscore compliance and trust
Trust signalCompliance1 record
goscore financial estimates
Financial estimateRevenue estimate
Valuation estimate
goscore leadership team
Management profileNumber of profiles
Profiles5 records
goscore funding detail
Funding detailFunding overview
Funding rounds3 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
goscore M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about goscore
What does goscore do?
goscore is a Nordic-first Credit Reference Agency that provides ML-driven credit scoring, risk profiling, affordability verification, and behavioral analytics to financial institutions via APIs and zero-integration onboarding. On the consumer side it offers a free credit scoring app and a free Debt-Free Tool for personal debt repayment planning, plus an sprove product for tenant solvency verification.
Is goscore a public or private company?
goscore is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was goscore founded?
goscore was founded in 2019. It employs 11 to 50 people.
Where is goscore based?
goscore is headquartered in Bergen, Norway, in the Europe region.
How does goscore make money?
Three revenue lines are on record. B2B SaaS / API Subscriptions for Financial Institutions are the primary driver. The others are consumer Freemium App and data Monetisation (Risk & Behavioral Insights).
Who are goscore's main competitors?
Direct peers on record are ClearScore, Tink, UC (Upplysningscentralen), Bisnode (Dun & Bradstreet), Nordigen (GoCardless) and Creditsafe. Broad incumbents are Equifax, Experian and TransUnion. Kontist is listed as an emerging player.
Does goscore have an API?
Yes. goscore offers APIs for accounting data aggregation and enrichment, enabling retrieval of data from ERP and accounting services and platforms in Norway. The platform also leverages Open Banking APIs for consent-based customer data aggregation. SME lending solutions are in development, with accounting data APIs currently available through early access sign-up.
What industry is goscore in?
goscore's product category is Credit Scoring & Risk Analytics. Its primary akta.pro industry code is FSAGACAH, Credit & Underwriting Data Services (alt data feeds, affordability, bureau augmentation), with a secondary code of FSAKAKAB, Alternative / Non-Traditional Credit Data Providers. Its NAICS code is 561450 and its SIC code is 7320.