What Finance Active does

Finance Active is a Paris-based provider of debt management and financial risk forecasting software, operating as a wholly-owned subsidiary of Altus Group Limited (TSX: AIF). The company has spent more than 25 years building a vertical SaaS platform that serves three primary customer segments: local public sector authorities (2,500+ clients), corporates (450+ clients), and financial institutions (4,000+ clients), collectively monitoring €1.7 trillion in debt.

The product portfolio centers on Fairways Debt, a SaaS debt portfolio management solution offering real-time market data integration (rate curves, swap curves, exchange rates, forward rates, Mark-to-Market valuations), debt position tracking, leasing management, covenant tracking, and regulatory reporting. This is complemented by Finance Active Debt and Finance Active Foresight (financial forecasting and scenario modeling for local authorities), Grants & Subsidies (a 17,000+ funding opportunity database from 10,000+ sources), and Riskedge advisory services delivering financial engineering, hedging strategy, and debt restructuring support. The technology stack is ISO/IEC 27001 certified, OAuth 2.0 / JWT-secured, hosted on Equinix data centers in France with AWS backup, and built on Salesforce CRM and Zendesk support operations.

The business model combines recurring SaaS subscriptions (quote-based annual enterprise pricing, no public tiers) with professional services revenue from Riskedge consulting missions. GTM is predominantly enterprise field sales targeting large public sector organizations and corporates, supplemented by inside sales via website demo CTAs and a channel partnership with Finances et Territoires for the Grants & Subsidies offering. Named enterprise customers include BNP Paribas Real Estate, CBRE, EDF, Ville de Lyon, Essone, and Metropole. In November 2024, parent Altus Group announced the sale of certain non-core Finance Active assets for approximately $12.1 million as part of strategic portfolio simplification, though the core debt management business continues to operate.

Name

Finance Active

Legal name

Altus Group Limited

Website

https://financeactive.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

101–250 employees

Short description

Finance Active is a Paris-based vertical SaaS provider of debt management and financial risk forecasting solutions, serving 2,500+ public sector, 450+ corporate, and 4,000+ financial institution clients with €1.7T in monitored debt. It operates as a subsidiary of Altus Group Limited (TSX: AIF).

Ownership category

akta.pro rank

Product category

Treasury and Debt Management Software

NAICS

Credit Intermediation and Related Activities (522), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)

SIC

Investment Advice (6282), Finance Services (6199)

akta.pro primary industry

Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit) (BPAHAOAD)

akta.pro secondary industry

Debt Advisory & Financing Advisory (FSAEAGAD)

Keywords

• Debt management software
• Financial risk forecasting
• Treasury management solutions
• Debt portfolio management
• Financial engineering services

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Platform Subscriptions: Finance Active generates revenue primarily through SaaS subscription fees for its debt management and financial risk forecasting platforms including Fairways Debt, Finance Active Debt, and Foresight. These are recurring subscription-based revenues from enterprise clients accessing cloud-hosted software.
2. Professional Advisory Services: Revenue from Riskedge consulting services providing customized financial engineering missions for public and private sector clients. These include debt restructuring analysis, hedging strategy development, structured product risk assessment, and bank negotiation support.

Pricing tiers

Go-to-market motion4 records

Distribution channels4 records

Marketing channels5 records

Core offering

Finance Active develops and sells SaaS platforms (Fairways Debt, Finance Active Debt, Finance Active Foresight) for debt portfolio management and financial risk forecasting, primarily for local public sector authorities, corporates, and financial institutions. The company also delivers expert advisory/financial engineering services under the Riskedge brand, plus a Grants & Subsidies service that helps clients identify and apply for government and private funding opportunities.

Product overview

Finance Active offers a modular platform of debt management and financial risk forecasting solutions. The portfolio includes Finance Active Debt and Finance Active Foresight for public sector debt and financial forecasting management; Fairways Debt as a comprehensive debt portfolio management solution; Grants & Subsidies for funding opportunity identification; and Riskedge advisory services for both public and private sector clients. The platform serves local authorities, commercial real estate, and financial institutions, monitoring €1.7T in debt across 2,500+ public sector clients, 450+ corporate clients, and 4,000+ financial institution clients.

Differentiator

Problem solved

Functional benefit

Brands

• Fairways Debt: Leading debt portfolio management solution enabling users to monitor debt, optimize financial costs, and reduce risk exposure.
• Finance Active Debt
• Finance Active Foresight
• Riskedge
• Grants & Subsidies

Products and services

• Fairways Debt

Quantifiable outcome

• 96% customer loyalty rate
• +1 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Partnerships

Seven partnerships are on record, tiered core infrastructure, core, support operations, core operations, internal operations, data protection and strategic.

• Equinixcore infrastructureTechnology or IntegrationEquinix provides data center hosting services for Finance Active's servers in France. The facilities are ISO/IEC 27001 certified with state-of-the-art physical security, redundant power supply, and physical access controls. This is a critical infrastructure partnership ensuring the availability and security of Finance Active's SaaS platforms.
• Auth0coreTechnology or IntegrationAuth0 provides user authentication services for Finance Active's platforms, implementing OAuth 2.0 standard for authorization delegation. This enables secure user authentication across all Finance Active applications.
• Zendesksupport operationsTechnology or IntegrationZendesk handles support request management for Finance Active customer service operations, enabling efficient tracking and resolution of customer inquiries and technical support tickets.
• Salesforcecore operationsTechnology or IntegrationSalesforce provides CRM functionality for Finance Active's sales and customer relationship management operations across the EU region.
• Microsoft (Office 365)internal operationsTechnology or IntegrationMicrosoft Office 365 provides collaborative corporate IT infrastructure for Finance Active's internal operations across the EU region.
• Amazon Web Servicesdata protectionTechnology or IntegrationAWS provides backup retention services for Finance Active's data protection strategy. Part of the multi-tiered backup system including daily, weekly, monthly, and annual backup retention schedules.
• Finances et TerritoiresstrategicStrategic or Co-development PartnerFinances et Territoires is a strategic partner for the Grants & Subsidies service, developed in collaboration to provide expert advisory support for identifying and obtaining public and private financing opportunities. They provide guidance on eligibility criteria, application best practices, and support for preparing applications.

Scale indicators12 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• TIS (Treasury Intelligence Solutions): TIS provides a SaaS treasury management platform covering payments, bank connectivity, cash positioning, and debt operations. It competes head-to-head with Finance Active in mid-market and enterprise European corporates.
• Kyriba: Kyriba is a leading cloud-based treasury and debt management SaaS platform serving corporate treasurers worldwide. It directly competes with Finance Active's Fairways Debt and Optim Debt offerings across corporate treasury, cash forecasting, and debt structure management.
• GTreasury: GTreasury offers integrated treasury management, payments, and risk SaaS for corporate treasuries. Its cash forecasting, debt, and hedge accounting modules overlap directly with Finance Active's product suite.

Broad incumbents

• Oracle Treasury: Oracle's Treasury Management module, part of its EPM/ERP Cloud suite, offers debt, investment, and cash management functionality. It overlaps with Finance Active in large enterprise and public sector procurements seeking single-vendor ERP coverage.
• Finastra: Finastra provides treasury, capital markets, and banking software to financial institutions. Its corporate and bank treasury offerings compete with Finance Active's financial institution segment and broader debt/risk workflows.
• ION Wallstreet Suite: Wallstreet Suite (part of ION Group) is a long-standing treasury and capital markets trading platform. It competes with Finance Active for sophisticated debt and FX management use cases at large financial institutions and corporates, though it is broader in scope.
• Quantum (FIS Treasury): FIS's Quantum treasury platform serves multinational corporates with cash, debt, and FX workflows. As a larger, broadly-positioned treasury vendor, it competes for enterprise RFPs where Finance Active is also evaluated.
• SAP Treasury Management: SAP embeds cash, debt, and risk management modules in its S/4HANA finance suite. As a horizontal ERP incumbent, SAP competes with Finance Active where customers prefer integrated core-plus-treasury solutions.

Regional players

• Cegid: Cegid is a French-headquartered ERP and finance software provider whose treasury and public sector accounting modules overlap with Finance Active in France. It is the most relevant regional incumbent competing for the same French local authority and mid-market corporate buyers.

Emerging players

• Bloomberg TMS (Treasury & Trading): Bloomberg's treasury and trading solutions serve capital markets and corporate treasurers with market data-integrated debt and FX tools. It overlaps with Finance Active's real-time market data and risk forecasting capabilities at sophisticated desks.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/financeactive
• LinkedInlinkedin.com/company/finance-active

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds4 records

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 Finance Active