What The Intelligence Company does

The Intelligence Company AB (publ) (TIC) is a Sweden-headquartered, IMY-licensed nationwide credit bureau and AI-driven decision-intelligence platform serving banks, financial institutions, lenders, insurance carriers, compliance teams, legal and investigation professionals. Its flagship product, LENS, unifies company, individual, property, vehicle and public-procurement data behind a knowledge-graph layer with 200+ automated AI checks covering risk indicators, anomaly detection, document intelligence (annual-report parsing), AML/KYC screening and continuous monitoring, delivered through a web app, REST/OpenAPI and native Slack/Microsoft Teams surfaces (the newer HQ product). Underlying technology combines classical ML methods (neural networks, cluster analysis, decision trees, regression, anomaly detection) with an in-memory database architecture returning sub-millisecond API responses, and is fed by hundreds of licensed Swedish government registers (Bolagsverket, SCB, SPAR, Lantmäteriet, Skatteverket, Kronofogden, Finansinspektionen, CSN, District Courts, PRV, Nasdaq Nordic venues) refreshed up to seven times per week, plus contributions from banks and credit-card issuers. The commercial model is hybrid: a self-serve subscription tier (LENS Pro at SEK 245/month, approximately $23), per-report unit pricing for individual credit reports (from SEK 39) and property reports (SEK 89–149), an enterprise custom-quote motion with 24-hour demo response, and API subscription access for developers, supported by free open-data datasets under CC0/CC BY-NC-SA and multi-language availability across SV/EN/NO/DK/FI. Governance and capital structure are notable: TIC operates as a Swedish public limited company (AB (publ)) with shares registered at Euroclear, ISO 27001/9001/14001 certifications issued in March 2025, and a concentrated shareholder base led by founder/CEO Jens Nylander (53.60% via J Nylander Invest AB) and CoFounded Capital AB (16.15%).

Name

The Intelligence Company

Legal name

The Intelligence Company AB (publ)

Website

https://tic.io

Company type

Public

Founded year

2024

Operating status

Operating

Headcount range

11–50 employees

Short description

The Intelligence Company (TIC) is a Swedish IMY-licensed nationwide credit bureau and AI-driven decision-intelligence platform serving banks, lenders, insurers and compliance teams with real-time risk assessment, AML/KYC screening, and ownership-network analysis over unified government register data.

Ownership category

akta.pro rank

Product category

Credit Information & Decision Intelligence Software

NAICS

Credit Bureaus (561450), Credit Bureaus (56145), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Services-Engineering, Accounting, Research, Management (8700)

akta.pro primary industry

AI Governance, Risk & Compliance (GRC) Platforms (HDAAAMAA)

Keywords

• Credit reporting services
• Decision intelligence software
• AML KYC compliance
• Business information data
• Real-time risk assessment

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Subscription-based Platform Access: Monthly or annual subscription for access to the LENS platform. Sold as an abonnemangsavtal (subscription agreement). Payment is invoiced monthly or annually in advance. Contract terms of 12 months with auto-renewal.
2. AI-driven Credit Reporting: Credit reports on Swedish companies and individuals (from age 15). National credit bureau with license from Integritetsskyddsmyndigheten (IMY). Inquiry copy sent when reports are retrieved.
3. Credit Rating & Scoring: AI-driven credit scoring service combining board assessment, compliance, real-time monitoring, and network analysis.
4. Individual Credit Report API: Per-report pricing for individual credit reports via API. Starting at 39 SEK per report. Credit reports include name, identity, address, marital status, income data, debt balance, property ownership, company engagement, risk forecast, and risk class.
5. Property Reports: Tiered property report pricing: Standard (included free), Allmän at 89 kr, and Allmän komplett at 149 kr. Includes title deed, registrations, mortgages, orthophotos, owner info, acquisition data, and valuation details.
6. Public Procurement Data: Data on supplier invoices to public sector entities (municipalities, regions, authorities, universities, municipal companies). Available via API for competitive intelligence, risk modeling, and sector analysis.
7. API Access (Company, Vehicle, Individual, Property): REST/OpenAPI-based data access. In-memory databases for millisecond-fast responses. Used for data enrichment, prospecting, and system integration across company, individual, vehicle, and property datasets.
8. HQ - Slack/Teams Decision Intelligence: AI specialist within Slack or Teams that performs everyday work tasks, research, documents, email, and scheduled jobs in secure sandbox environments. Sold as a platform add-on.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

The Intelligence Company (TIC) operates a Swedish nationwide credit bureau and AI-driven decision intelligence platform that aggregates government registers, property data, vehicle records, public procurement, and population data into real-time credit reports, knowledge-graph visualizations, AML/KYC screening, and risk-monitoring tools for banks, lenders, and compliance teams. Its flagship product LENS combines 200+ automated AI checks over unified Swedish data to deliver sub-millisecond API responses, with complementary modules for identity (BankID), credit scoring, document forensics, and Slack/Teams-native AI assistants.

Product overview

TIC is a real-time decision intelligence platform built as a platform-plus-modules architecture. The flagship LENS platform provides unified business intelligence over connected data for credit, risk and compliance. Complementary products include HQ (decision intelligence in Slack/Teams), IDENTITY (BankID integration), and CREDIT (credit reports). Modules include KYC/AML for compliance, NAVET for Swedish population registry, SENTINEL for document forensics, and BRF for housing cooperative data. The portfolio also includes specialized databases for properties, vehicles, and public procurement, plus API products for developers.

Differentiator

Problem solved

Functional benefit

Brands

• LENS: AI-driven intelligence platform for business decisions, credit, risk, and compliance with knowledge graphs, automated checks, and real-time monitoring.
• HQ
• IDENTITY
• CREDIT
• NAVET
• SENTINEL
• BRF

Products and services

• LENS Flagship AI-driven decision intelligence platform for banks, finance companies, and compliance teams, providing knowledge graphs, 200+ automated checks, and real-time monitoring over unified Swedish data for credit, risk, and compliance use cases.
• HQ Decision intelligence assistant native to Slack and Microsoft Teams, where an AI specialist runs research, document handling, email tasks, and scheduled jobs in isolated secure sandboxes for everyday team decision support.
• IDENTITY Smart identity verification and authentication service using BankID and Freja eID for secure login and customer identification.
• CREDIT Credit reports and income verification services with AI-driven risk indicators, board assessment, compliance checks, real-time monitoring, and network analysis.
• KYC/AML Module Anti-money laundering and KYC compliance module built for the EU AMLR 2027 directive, providing AI-driven screening against international sanctions lists, PEP lists, and global watchlists.
• NAVET Swedish Tax Agency (Skatteverket) population registry data integration providing official population registration data with extended relation permits covering spouse and guardian information.
• SENTINEL Document and image forensics module for AI-driven fraud detection, designed to identify synthetic fraud, deepfakes, and other sophisticated document tampering methods.
• BRF Database of Swedish housing cooperatives (bostadsrättsföreningar) with complete property data, ownership history, valuations, and orthophotos.
• Kreditupplysning (Credit Report Service) Complete credit reports on Swedish companies and private individuals from age 15, covering payment defaults, debt balance, seizure information, debt restructuring, property ownership, and company engagements.
• Kreditbetyg (AI Credit Scoring) AI-driven credit scoring service combining risk indicators, board assessment, regulatory compliance checks, real-time monitoring, and network analysis into a unified credit score.
• Fastighetsinformation (Property Data) Complete property database covering all Swedish properties, including owner information, purchase prices, assessed values, area, mortgages, easements, buildings, orthophotos, maps, and resident information.
• Fordonsuppgifter (Vehicle Data) Complete register of all vehicles in Sweden with history, technical information, and inspection data, queryable across 197 different fields.
• Offentliga inköp (Public Procurement) Public procurement database with supplier invoices from municipalities, regions, authorities, universities, and municipal companies, including compiled statistics on public sector sales.
• Vector Maps API Daily-updated vector map tiles for Sweden with property, address, road, and environment layers, rendered through MapLibre GL JS or Mapbox for web and mobile applications.
• TIC OpenAPI Platform REST/OpenAPI developer platform providing programmatic access to company, individual, vehicle, property, and public procurement datasets with sub-millisecond response times via in-memory databases and webhook support.

Quantifiable outcome

• 10x faster investigations — due diligence that would take weeks can be completed in minutes using knowledge graphs and automated checks
• +3 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability8 records

Feature13 records

Partnerships

16 partnerships are on record, tiered core.

• Swedish Companies Registration Office (Bolagsverket)OthersGovernment data partner providing company information, annual reports, case lists, and board member data. Data is updated 7 times per week. Partnership enables nationwide company intelligence and due diligence capabilities.
• Statistics Sweden (SCB)OthersGovernment statistical agency providing business register data including all company forms. Updated once per week. Supports company classification and activity data.
• State Person Address Register (SPAR)OthersSPAR (under Skatteverket) provides population register data including personal addresses. Licensed for gross notification (bruttoavisering) with extended relationship permit (journal number 8-3170648). Covers registered spouse and guardian information. Updated 5 times per week.
• Swedish Tax Agency (Skatteverket)OthersGovernment data provider delivering property data, tax assessment data, company addresses, F-tax registration, and bankruptcy/liquidation data. License from Lantmäteriet journal number LM2024/073581 for nationwide property information including personal numbers and mortgages.
• Swedish Enforcement Authority (Kronofogden)OthersGovernment data source for payment orders, judgments, unpaid taxes, investigation reports, repossessions, and debt restructuring. Updated up to 5 times per week. Data retention: judgments 3-5 years, bankruptcy applications registration year + 2 years.
• Swedish Mapping Authority (Lantmäteriet)OthersGovernment partner providing nationwide property data and orthophotos. Licensed for credit reporting purposes (LM2024/073581) and data delivery through extraction and subscription (LM2025/026738). Updated 5 times per week.
• Nasdaq Nordic, NGM, Nasdaq First North, Nordic Growth Market Nordic MTF, SpotlightOthersMarket exchange partners providing listed company data including daily price updates, financial reports, and regulatory filings. Data updated 7 times per week.
• Swedish Financial Supervisory Authority (Finansinspektionen)OthersGovernment regulator providing annual and semi-annual reports, audit reports, insider information disclosures, and shareholder voting rights data. Updated 7 times per week.
• Swedish District Courts (Tingsrätter)OthersJudicial data partners providing bankruptcy applications, estate inventories, default judgments, trading prohibitions, and financial guardianship information. Continuously updated.
• Swedish Patent and Registration Office (PRV)OthersGovernment IP registry providing trademark and patent application/registration data. Updated 7 times per week.
• MapLibre GL JS / MapboxcoreTechnology or IntegrationOpen-source and commercial mapping libraries supported by the TIC vector maps product. TIC's maps are designed to work with both MapLibre and Mapbox for web and mobile rendering.
• Swedish Public Employment Service (Arbetsförmedlingen)OthersGovernment agency providing employment subsidy data paid to employers. Updated once per quarter.
• Swedish Social Insurance Agency (Försäkringskassan)OthersGovernment agency providing recovery claim data on legal entities. Updated once per month.
• Swedish Board of Student Finance (CSN)OthersGovernment agency providing student loan data and remaining repayment period information. Updated once per month. Data retained for 3 years.
• Banks, Finance Companies, and Credit Card CompaniesOthersFinancial sector partners providing credit commitment data, misused bank account records, misused credit account data, and defaulted credit information. Continuously updated.
• Euroclear SwedenOthersShareholder registry and securities settlement provider. TIC is a publicly registered limited company connected to Euroclear with a public share register accessible via Euroclear.

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• UC AB: UC is Sweden's largest credit bureau and decisioning data provider, offering credit reports, business information and risk analytics on Swedish companies and individuals. It is the most direct domestic incumbent to TIC, competing on the same nationwide credit reporting license footprint.
• Bisnode (Dun & Bradstreet): Bisnode was the leading Nordic business information and credit information provider before being absorbed into Dun & Bradstreet, and remains a direct competitor in Sweden/Nordics for company intelligence, credit reports and AML/KYC data — operating at significantly larger scale than TIC.
• Creditsafe: Creditsafe is a global credit bureau serving SMEs and large enterprises with business credit reports, monitoring and API data. It overlaps directly with TIC's LENS company intelligence, credit reporting and unlimited monitoring offerings, especially via its API-first model.
• Allabolag: Allabolag is a Swedish company information and credit data platform owned by Bonnier. It is a direct competitor to TIC in serving Swedish SMEs and consumers searching for company, credit and ownership information via a self-serve web interface.

Regional players

• Syna AB: Syna (formerly Dun & Bradstreet Norway) provides Norwegian credit reports, business information and monitoring. It is a regional peer relevant to TIC's stated Nordic expansion thesis into Norway, with comparable product architecture but Norway-only coverage.
• Proff: Proff.no is a Norwegian business information portal offering company search, credit data and ownership insights. It is comparable to TIC as a Nordic self-serve credit/business information destination, primarily serving the Norwegian market.
• Asiakastieto (Dun & Bradstreet Finland): Asiakastieto is Finland's leading business and credit information company, now part of Dun & Bradstreet. It is a regional peer for TIC's Finnish market expansion, offering comparable credit reports, monitoring and decisioning data products.
• Eniro: Eniro is a Nordic directory and digital marketing company with historical strength in company search and local business information across Sweden, Norway, Finland and Denmark. It is a regional peer to TIC's Nordic business information and decisioning ambitions, though with a directory-led rather than compliance-led model.

Broad incumbents

• Bureau van Dijk (Moody's): Bureau van Dijk, owned by Moody's, is a global provider of company information and beneficial-ownership data (Orbis). It is a broad incumbent that competes with TIC in cross-border KYC, AML and ultimate-beneficial-owner analysis, though at multinational rather than Swedish-domestic scale.

Emerging players

• Hitta.se: Hitta is a Swedish people, company and property search portal that uses public Swedish register data. It overlaps with TIC's company and property search use cases at the consumer/SMB end of the market, with a lighter free-tier model and broader directory scope.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/tic-the-intelligence-company
• GitHubgithub.com/orgs/the-intelligence-company

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about The Intelligence Company