Comentis
Comentis is a UK-based SaaS platform that provides digital Financial Vulnerability Assessment, Duty of Care, and Outcome Survey tools to help regulated financial services firms identify vulnerable clients and evidence FCA Consumer Duty outcomes across wealth, consumer finance, and automotive finance sectors.
- Company typePrivate
- Founded2021
- HeadquartersLondon, United Kingdom
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Comentis does
Comentis Ltd. is a UK-based, founder-led SaaS company founded in 2021 and headquartered in London that provides a digital Financial Vulnerability Assessment platform targeted at regulated financial services firms. Its core product is a clinical, structured vulnerability assessment tool available in V1 (user-determined) and V2.0 (system-determined, algorithm-driven) versions, paired with an Outcome Survey for evidencing Consumer Duty results. The technology combines clinical expertise - led by Clinical Lead Tim Farmer - with algorithmic logic that adapts question sets to client responses and produces client-centric reports, plus a Vulnerability Support Framework for intervention logging and audit trails.
The platform is delivered through three deployment options - a WebApp with pre-built CRM integrations, an embeddable JavaScript widget, and a REST-style API for deep integration - making it usable across wealth management advisory firms, consumer finance brokers and lenders, automotive finance providers, and later-life / retirement planning contexts. Pricing is not publicly disclosed; Comentis operates a demo-led B2B sales motion on an annual subscription, supplemented by channel partnerships (notably Paradigm Consulting, which offers a 10% discount to its clients, BareRock's Risk Mitigation panel, Advise Wise, and Intelliflo CRM). The firm cites over 1,000 advisory firms as customers and more than 300,000 completed assessments.
Commercially, Comentis is private, registered in England and Wales, holds ISO/IEC 27001:2022 certification, and is run by a small team (1-10 employees) led by CEO Jonathan Barrett, with growth investment concentrated in consumer finance via a dedicated Growth Consultant hire in February 2024. The company has not disclosed external funding rounds, and revenue figures are not available.
Comentis firmographics
Firmographics- Name
- Comentis
- Legal name
- Comentis Ltd.
- Website
- https://comentis.co.uk
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Comentis is a UK-based SaaS platform that provides digital Financial Vulnerability Assessment, Duty of Care, and Outcome Survey tools to help regulated financial services firms identify vulnerable clients and evidence FCA Consumer Duty outcomes across wealth, consumer finance, and automotive finance sectors.
- Ownership category
- akta.pro rank
Comentis industry classification
Industry- Product category
- Financial Vulnerability Assessment Software
- akta.pro primary industry
- AML/CFT & Financial Crime Compliance (FSAFAOAD)
Keywords
Where Comentis is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Comentis business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations
Revenue model
- SaaS Platform Subscription: Subscription-based access to Comentis platform providing Financial Vulnerability Assessment and Outcome Survey tools. Accessed via WebApp, widget, or API.
- API/Integration Access: API access for deep integration into customer platforms. Requires programming knowledge and development expertise to embed assessments.
- Partnership Discounts: Volume discounts through strategic partners - Paradigm Consulting clients receive 10% discount on Comentis solution.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Standard platform access with 10% partnership discount available |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels4 records
Comentis product offering
Product offeringCore offering
Comentis provides a digital Financial Vulnerability Assessment platform that combines clinical expertise with proprietary algorithms to help UK financial services firms identify vulnerable customers and evidence good outcomes under FCA Consumer Duty. The platform is delivered via WebApp, JavaScript widget, and API, with pre-built CRM integrations for the wealth management, consumer finance, and automotive finance sectors.
Product overview
Comentis delivers a cloud-based digital platform combining clinical expertise and technology to help financial services firms identify customer vulnerability and evidence good outcomes under FCA Consumer Duty. The core offering consists of the Financial Vulnerability Assessment (available in V1 user-determined and V2.0 system-determined versions) for identifying vulnerable circumstances, paired with the Outcome Survey for capturing and evidencing client outcomes. The platform is accessible via three deployment methods: a WebApp with pre-built CRM integrations, a JavaScript widget for website embedding, and a custom API for deep software integration. The platform is designed for use across wealth management, consumer finance, and automotive finance sectors.
Differentiator
Problem solved
Functional benefit
Products and services
- Financial Vulnerability Assessment Digital clinical assessment tool to identify clients in vulnerable circumstances using a structured, consistent approach. Used by over 1,000 advisory firms with more than 300,000 assessments completed. Available in V1 (user-determined) and V2.0 (system-determined) versions.
- Outcome Survey Customer satisfaction survey tool for capturing and evidencing client outcomes independently of vulnerability identification. Supports Consumer Duty compliance, management information, and governance reporting by gathering structured client feedback at scale.
- Duty of Care Assessment for Consumer Finance Quick vulnerability assessment designed specifically for consumer finance brokers and retail consumer creditors. Can be completed in under four minutes with minimal impact to customer online or retail journey. Provides lenders and brokers with objective vulnerability identification and support tips for the finance process.
- Financial Vulnerability Assessment V2.0 Advanced evolution of the core Financial Vulnerability Assessment using complex algorithms to make system-determined vulnerability assessments. Features dynamic questioning that adapts based on client responses and generates client-centric reports with holistic next steps.
Quantifiable outcome
- Vulnerability rate detection increases from typical 3-5% to expected 24% when using systematic assessment
- +2 more outcomes
Companies that use Comentis
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles4 records
Comentis technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature6 records
Comentis partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- Paradigm ConsultingcoreStrategic partnership integrating Comentis' Digital Financial Vulnerability Assessment tool into Paradigm Consulting's support services. The tool is used by over 1,000 advisory firms and has completed 300,000+ assessments. Paradigm Consulting clients are eligible for a 10% discount on the solution.
- Just RetirementcoreJust Retirement co-authored the Vulnerability in Retirement guide with Comentis and created training modules tailored to advisers working with later-life clients. Joint development of educational content for retirement vulnerability identification.
- BarerockcoreBareRock adds Comentis to their Risk Mitigation panel to enhance vulnerability support for advice firms.
- Advise WisecoreAdvise Wise launches Comentis integration for all users, streamlining support for vulnerable clients through their platform.
Scale indicators6 records
Recent moves6 records
Expansion highlights7 records
Comentis competitors and assessment
Company assessmentDirect peers
- Aire: Aire is a UK-based fintech that helps lenders and financial services firms evaluate consumers for creditworthiness and affordability. It is directly comparable to Comentis in providing consumer risk assessment technology for regulated UK financial services firms with a similar focus on objective, data-driven evaluation.
Broad incumbents
- SmartSearch: SmartSearch is a UK-based provider of AML, KYC, and ID verification solutions to regulated financial services firms. It serves the same UK regulated FS buyer panel as Comentis but focuses on anti-money laundering and identity verification rather than consumer vulnerability assessment.
- NorthRow: NorthRow delivers KYC, AML, and client onboarding compliance technology to UK financial services firms. It is a comparable UK RegTech peer addressing regulatory compliance obligations for the same customer base, though its scope covers client onboarding and anti-money laundering rather than consumer vulnerability.
- Fenergo: Fenergo is a global RegTech providing KYC, client lifecycle management, and AML compliance for financial institutions. Comparable to Comentis in serving regulated FS firms' compliance obligations at enterprise scale through SaaS, though with a much broader client onboarding focus and significant international footprint.
- GBG: GBG is a UK-headquartered identity verification and location intelligence provider serving regulated industries including financial services. Comparable to Comentis through its UK-based RegTech tooling for FS compliance, with broader identity and location dimensions but no vulnerability assessment specialization.
- Featurespace: Featurespace is a UK-based RegTech providing fraud and AML detection technology to banks and payments firms. Comparable to Comentis as a UK RegTech serving regulated financial institutions with proprietary algorithmic compliance technology, though focused on financial crime rather than consumer vulnerability.
- Moody's Analytics: Moody's Analytics offers comprehensive risk management, regulatory compliance, and analytics solutions to global financial services. Comparable to Comentis as a much larger incumbent covering regulated FS risk and compliance use cases, with a far broader portfolio but overlapping regulatory risk technology.
- Onfido: Onfido is a UK-based identity verification provider (now part of Entrust) serving regulated industries including financial services. Comparable to Comentis through its identity and compliance theme for regulated firms, though Onfido's scope is digital identity verification rather than consumer vulnerability assessment.
Regional players
- Trulioo: Trulioo is a Canadian-headquartered global identity verification platform operating across North America, EMEA, and APAC. Comparable to Comentis in providing digital identity and regulatory compliance tooling for financial services, with a global customer base rather than UK-only focus.
- Signicat: Signicat is a European digital identity provider headquartered in Norway, serving banks, insurers, and other regulated entities across Europe. Comparable to Comentis through its digital identity and compliance theme for regulated firms, with broader European geographic scope rather than UK-only operations.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Comentis social profiles
Digital presenceComentis compliance and trust
Trust signalCompliance1 record
Comentis financial estimates
Financial estimateRevenue estimate
Valuation estimate
Comentis leadership team
Management profileNumber of profiles
Profiles6 records
Comentis funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Comentis 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 Comentis
What does Comentis do?
Comentis provides a digital Financial Vulnerability Assessment platform that combines clinical expertise with proprietary algorithms to help UK financial services firms identify vulnerable customers and evidence good outcomes under FCA Consumer Duty. The platform is delivered via WebApp, JavaScript widget, and API, with pre-built CRM integrations for the wealth management, consumer finance, and automotive finance sectors.
Is Comentis a public or private company?
Comentis is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Comentis founded?
Comentis was founded in 2021. It employs 1 to 10 people.
Where is Comentis based?
Comentis is headquartered in London, United Kingdom, in the Europe region.
How does Comentis make money?
Three revenue lines are on record. SaaS Platform Subscription is the primary driver. The others are API/Integration Access and partnership Discounts.
Who are Comentis's main competitors?
Aire is listed as a direct peer. Broad incumbents are SmartSearch, NorthRow, Fenergo, GBG, Featurespace, Moody's Analytics and Onfido. Regional players are Trulioo and Signicat.
Does Comentis have an API?
Yes. API access enables deep integration of the financial vulnerability assessment into customers' own software applications and customer journeys. Developers can deeply embed assessments and programmatically answer assessment questions if data points are already available. Requires programming knowledge and development expertise to implement.
What industry is Comentis in?
Comentis's product category is Financial Vulnerability Assessment Software. Its primary akta.pro industry code is FSAFAOAD, AML/CFT & Financial Crime Compliance.