What FourTwoThree does

FourTwoThree (K423 Limited) is a London-based B2B SaaS company that provides climate action and SME (small and medium enterprise) intelligence to financial institutions. Founded in 2024, the company targets banks and financial institutions seeking to embed SME-focused climate data, risk analytics, and sustainability workflows into their core processes. The platform launched in June 2025.

The platform is built to integrate with a financial institution's core banking systems, CRM, and onboarding tools. Its product surface comprises four modules: SME-Facing Workflows, Portfolio Intelligence, Monitoring & Analytics, and a Connected Ecosystem that operates as a marketplace of partner products and services. AI is positioned as a core layer for surfacing portfolio risks and decision-grade opportunities, automating monitoring, and optimizing SME banking workflows. The Connected Ecosystem extends the platform beyond direct bank customers by aggregating third-party provider products and services.

FourTwoThree operates a subscription-based B2B SaaS model targeting banks, with pricing details not publicly disclosed. It has secured strategic investment and co-creation partnerships with three tier-one financial institutions — NatWest Group, NAB, and Standard Chartered (via SC Ventures) — at launch. The company maintains offices in London and Singapore and has announced a pending acquisition of PointSource Technologies, which is subject to regulatory approval. Headcount is reported at 1-10 employees.

Name

FourTwoThree

Legal name

K423 Limited

Website

https://fourtwothree.io

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Short description

FourTwoThree is a London-based B2B SaaS platform providing AI-driven climate action and SME intelligence to banks and financial institutions, launched in June 2025 with strategic backing from NatWest, NAB, and SC Ventures.

Ownership category

akta.pro rank

Product category

Sustainable Finance and Climate Intelligence Software

NAICS

Computer Systems Design and Related Services (54151), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)

SIC

Services-Prepackaged Software (7372), Services-Computer Integrated Systems Design (7373)

akta.pro primary industry

Model Development & Training Platforms (AutoML, Notebooks, Feature Stores) (HDAEANAB)

akta.pro secondary industry

Data, Analytics & AI Consulting (BPAHAEAF)

Keywords

• Sustainable finance platform
• SME portfolio intelligence
• Climate data software
• Enterprise banking analytics
• Carbon footprint tracking

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Platform Subscription: SaaS platform provided to financial institutions on a subscription basis, with platform deployment, SME onboarding support, and access to climate action and portfolio intelligence tools. The company mentions plans to expand platform deployment and acquire PointSource Technologies, suggesting a B2B subscription model targeting banks and financial institutions.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

FourTwoThree provides an AI-augmented business intelligence and action platform that financial institutions deploy to gain unprecedented visibility into their SME clients' operations across regions and industries. The platform connects directly to core banking, CRM, and onboarding systems; enriches data with open and commercial datasets; collects operational, sustainability, and strategic data from SMEs through guided workflows; maps every data point against TCFD, PCAF, CSRD and other frameworks; and uses AI to surface portfolio-level risks, decision-grade opportunities, and prioritised next-best-step engagement for relationship managers, risk analysts, and programme leads.

Product overview

FourTwoThree is a unified SME intelligence and action platform deployed as a full platform or select modules. The core FourTwoThree Platform serves as the central intelligence layer, which can be supplemented with four modular components: the SME-Facing Workflows Module for data collection, the Portfolio Intelligence Module for institutional analytics, the Monitoring and Analytics Module for real-time portfolio tracking, and the Connected Ecosystem Module for marketplace functionality. All modules share a common data architecture and AI decision-support layer, and can be deployed white-label via API integration into existing banking systems.

Differentiator

Problem solved

Functional benefit

Products and services

• FourTwoThree Platform AI-augmented business intelligence and action platform for financial institutions that delivers unprecedented visibility into SME operations across regions and industries. Connects to core banking, CRM, and onboarding systems; enriches data with open and commercial datasets; maps every data point against TCFD, PCAF, CSRD, and other risk, resilience, and reporting frameworks; and uses AI to surface portfolio-level risks, decision-grade opportunities, scenario planning, and prioritised next-best-step engagement for relationship managers, risk analysts, and programme leads.

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature6 records

Partnerships

Two partnerships are on record, tiered flagship and core.

• PointSource TechnologiesflagshipStrategic or Co-development Partner · 25 June 2025PointSource is a climate data platform incubated by SC Ventures that is planning to merge with FourTwoThree. The merger aims to extend PointSource's climate data impact and enhance climate disclosure outcomes. The deal is pending regulatory approval. FourTwoThree plans to acquire PointSource Technologies Pte., a climate data startup.
• Standard CharteredcoreStrategic or Co-development PartnerStandard Chartered is a co-creation partner for FourTwoThree, with its innovation arm SC Ventures incubating PointSource climate data platform. Standard Chartered helped shape the platform's development, contributing to the institutional-grade design aligned with banking governance standards.

Scale indicators4 records

Recent moves1 record

Expansion highlights6 records

Direct peers

• Persefoni: Persefoni is a climate management and accounting platform that helps enterprises and financial institutions measure, report, and act on carbon emissions — directly comparable to FourTwoThree's climate intelligence and framework-mapping capabilities for institutional clients.
• Watershed: Watershed is an enterprise climate platform providing carbon accounting, reporting, and reduction tools for large corporates and financial institutions — a direct competitor in the AI-augmented climate disclosure and portfolio intelligence category.
• Sweep: Sweep is a sustainability management platform enabling businesses and financial institutions to map ESG data, manage carbon footprints, and meet reporting frameworks — closely aligned with FourTwoThree's framework-mapping and SME-facing workflow approach.
• Greenly: Greenly provides carbon accounting and climate action tooling primarily for SMEs and the banks/financiers that serve them — directly comparable to FourTwoThree's bank-to-SME climate intelligence model.
• Plan A: Plan A is a carbon accounting and decarbonization SaaS platform for SMBs and enterprises — a direct competitor in the SME-facing climate data capture and reduction workflow category.

Broad incumbents

• Workiva: Workiva is a large, established ESG and regulatory reporting platform serving thousands of enterprises including financial institutions — a broad incumbent whose ESG disclosure capabilities overlap with FourTwoThree's framework-mapping engine.
• IBM Envizi: IBM Envizi is an enterprise ESG data, accounting, and reporting platform acquired by IBM — a broad incumbent with deep coverage across sustainability reporting, energy management, and supply chain data relevant to financial institutions.
• Salesforce Net Zero Cloud: Salesforce Net Zero Cloud is an enterprise sustainability platform within the broader Salesforce ecosystem — a broad incumbent offering carbon accounting, ESG reporting, and sustainability management for large enterprises and financial services clients.
• Sphera: Sphera is a long-established enterprise ESG, EHS, and sustainability software provider with broad portfolio coverage — an incumbent serving large industrial and financial clients with overlapping climate/portfolio reporting capabilities.

Emerging players

• Emitwise: Emitwise is a carbon accounting platform focused on enterprise and supply chain Scope 3 emissions — an emerging player with partial overlap to FourTwoThree's SME-facing data capture and Scope 3 measurement capabilities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FourTwoThree