CTIF - CFI

What CTIF - CFI does

CTIF-CFI (Cel voor Financiële Informatieverwerking / Cellule de Traitement des Informations Financières) is Belgium's designated Financial Intelligence Unit (FIU), operating as an independent administrative authority with legal personality under the supervision of the Belgian Ministers of Justice and Finance. Established under the Law of 18 September 2017 and tracing its lineage to a founding role in the Egmont Group in 1995, the organization receives, analyzes, and transmits suspicious financial transaction reports related to money laundering, terrorism financing, and proliferation financing. It is led by a magistrate (Mr. Philippe de Koster) and composed of judicial experts, financial experts, and a senior officer of the federal police.

The organization's primary digital product is the goAML online reporting platform, launched on October 1, 2024, which became the sole mandatory channel for all suspicious transaction declarations, replacing prior paper and email-based submissions. goAML is pre-registered through Belgian supervisory authorities including the National Bank of Belgium (BNB) and the Financial Services and Markets Authority (FSMA), and serves obligated entities spanning credit institutions, insurance companies, investment firms, payment service providers, legal professionals, real estate agents, trust and company service providers, casinos, and diamond merchants. Supporting knowledge products include the Vademecum typological publication (cataloguing 18 characteristic money laundering patterns) and annual activity reports published since 2011 in French, Dutch, and English.

CTIF-CFI does not operate a commercial revenue model; it is funded through Belgian state budget allocations rather than fees or licensing. Its go-to-market is regulatory mandate rather than sales — obligated entities must report to it by law. In 2025, the unit processed 102,312 communications, transmitted 1,334 dossiers to judicial authorities totaling €2.13 billion, and shared 1,500+ useful information items with Belgian administrative services. The organization coordinates internationally through FATF evaluations (most recently in 2025) and bilateral cooperation with 180+ Egmont Group member FIUs.

Name

CTIF - CFI

Legal name

Cel voor Financiële Informatieverwerking (CTIF-CFI)

Website

https://ctif-cfi.be

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

CTIF-CFI is Belgium's independent Financial Intelligence Unit, operating under government mandate to receive, analyze, and transmit suspicious transaction reports on money laundering and terrorism financing from obligated entities via its goAML platform.

Ownership category

akta.pro rank

Product category

Financial Intelligence / AML Regulatory Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

AML/CTF Transaction Monitoring & Case Management (FSAGAFAC)

akta.pro secondary industries

Case Management, Investigations & SAR/STR Filing (FSAMAMAF), Regulatory Reporting & Recordkeeping (AML/CTF) (FSAMAMAG), Financial Regulation, AML/CFT & Tax Transparency Cooperation (BPADANAL)

Keywords

• Financial intelligence unit
• Anti-money laundering compliance
• Suspicious transaction reporting
• AML regulatory technology
• Counter-terrorism financing

Headquarters

HQ city

Brussels

HQ country

Belgium

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Government Funding: As an independent administrative authority under the supervision of the Ministers of Justice and Finance, CTIF-CFI is funded through government budget allocations, not commercial revenue generation.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

CTIF-CFI receives, analyzes, and processes suspicious financial transaction reports submitted by Belgian obligated entities (financial institutions, legal professionals, accountants, real estate agents, TCSPs, casinos, diamond merchants) via the goAML online platform. It transmits analysis results with serious indicators of money laundering, terrorism financing, or proliferation financing to the Prosecutor's Office or Federal Prosecutor, and shares useful information with supervisory and administrative authorities.

Product overview

CTIF-CFI operates as Belgium's Financial Intelligence Unit, functioning as a regulatory and analytical body rather than a commercial technology company. Its primary digital offering is the goAML platform, which serves as the mandatory online portal for reporting entities to submit suspicious transaction declarations. Beyond goAML, CTIF-CFI provides supporting resources including the Vademecum typological publication and annual activity reports. The organization does not offer a commercial product portfolio in the traditional sense; instead, it provides public-facing tools and publications for anti-money laundering compliance.

Differentiator

Problem solved

Functional benefit

Products and services

• goAML Online Reporting Platform Centralized online platform enabling Belgian obligated entities (financial institutions, legal professionals, accountants, real estate agents, TCSPs, casinos, diamond merchants) to submit mandatory suspicious transaction reports to CTIF-CFI. Pre-registration is required for financial institutions under BNB and FSMA supervision.
• Vademecum Typological publication presenting 18 characteristic money laundering patterns identified through CTIF-CFI's strategic analysis, designed to help reporting entities recognize suspicious activities.
• Annual Activity Reports Annual activity reports published by CTIF-CFI documenting statistical data on declarations received, cases analyzed, and cases transmitted to judicial authorities, covering years from 2011 to 2025.

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Eight partnerships are on record, tiered core and major.

• FATF (Financial Action Task Force)coreStrategic or Co-development Partner · 1 January 2015FATF is the international AML/CFT standard-setting body that evaluates member countries including Belgium. CTIF-CFI operates within the FATF framework and Belgium underwent mutual evaluation by FATF in 2015 with follow-up reports in 2018. A new evaluation report was published in 2025.
• Egmont Group of Financial Intelligence UnitscoreStrategic or Co-development Partner · 1 January 1995CTIF-CFI is one of the founding members of the Egmont Group, the global organization promoting and encouraging information exchange and cooperation among Financial Intelligence Units. The Group facilitates rapid and reliable cross-border information sharing among its 180+ member FIUs to combat money laundering and terrorism financing.
• European Union InstitutionscoreStrategic or Co-development PartnerCTIF-CFI operates under EU Directive 2015/849 (4th AML Directive) and subsequent EU regulations including Regulation 2024/1620 and 2024/1624. EU Supranational ML/TF Risk Assessment published in October 2022 informs national coordination.
• Belgian Supervisory Authorities (BNB, FSMA)coreStrategic or Co-development PartnerFinancial institutions under supervision of National Bank of Belgium (BNB) and Financial Services and Markets Authority (FSMA) submit suspicious transaction reports via goAML. Supervisory authorities receive coordination information from CTIF-CFI on AML/CFT matters.
• Belgian Administrative ServicesmajorStrategic or Co-development PartnerCTIF-CFI shares more than 1,500 useful information items annually with administrative services including CAF (Social Fraud Control), SIRS (Coordinating Unit for Threat Analysis), SPF Economie (Federal Public Service Economy), and various supervisory authorities.
• Foreign Financial Intelligence UnitsmajorStrategic or Co-development PartnerOperational cooperation governed by Memoranda of Understanding (MOUs). CTIF-CFI may also query non-MOU foreign FIUs when operationally necessary, provided exchanged information is protected by strict confidentiality rules requiring prior authorization.
• Federal Police and Judicial AuthoritiescoreStrategic or Co-development PartnerCTIF-CFI transmits analysis results to the Prosecutor's Office (Procureur du Roi) or Federal Prosecutor when serious indicators of money laundering, terrorism financing, or proliferation financing exist. The organization includes a senior officer from the Federal Police.
• Reporting Entities (Obligated Entities)coreStrategic or Co-development PartnerFinancial institutions, legal professionals, accountants, real estate agents, TCSPs, casinos, and diamond merchants are legally required to report suspicious transactions to CTIF-CFI. The organization provides guidelines, typologies, and feedback to improve reporting quality.

Scale indicators9 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Tracfin (Traitement du renseignement et action contre les circuits financiers clandestins): France's Financial Intelligence Unit under the Ministry of Economy, processing suspicious transaction reports and coordinating with judicial authorities. Directly comparable to CTIF-CFI as a neighboring EU FIU with similar mandate, structure, and EU regulatory framework.
• AUSTRAC (Australian Transaction Reports and Analysis Centre): Australia's anti-money laundering and counter-terrorism financing regulator and FIU, responsible for receiving suspicious matter reports and international value transfer reports. Directly comparable to CTIF-CFI as a combined FIU/regulator with similar AML/CFT mandate.
• FINTRAC (Financial Transactions and Reports Analysis Centre of Canada): Canada's Financial Intelligence Unit, which receives suspicious transaction reports from Canadian reporting entities and discloses financial intelligence to law enforcement. Directly comparable to CTIF-CFI in functional mandate, goAML platform usage, and Egmont Group membership.
• FinCEN (Financial Crimes Enforcement Network): The US Financial Intelligence Unit, responsible for receiving, analyzing, and disseminating suspicious activity reports (SARs) under the Bank Secrecy Act. Directly comparable to CTIF-CFI in mandate, structure, and role as a national FIU, though operating at much larger scale under US regulatory framework.
• FIU-Netherlands: The Netherlands' Financial Intelligence Unit, responsible for receiving and analyzing unusual transaction reports under the Wwft. Directly comparable to CTIF-CFI as a neighboring EU FIU with similar mandate and operational structure.
• UKFIU (United Kingdom Financial Intelligence Unit, part of NCA): The UK's Financial Intelligence Unit within the National Crime Agency, responsible for receiving suspicious activity reports (SARs) under POCA. Directly comparable to CTIF-CFI in core FIU mandate, though operating post-Brexit outside the EU framework.
• MROS - Money Laundering Reporting Office Switzerland: Switzerland's Financial Intelligence Office within the Federal Police, receiving suspicious activity reports and coordinating with prosecution authorities. Directly comparable to CTIF-CFI as a national FIU with police integration and similar analytical mandate.
• UIF - Unità di Informazione Finanziaria (Banca d'Italia): Italy's Financial Intelligence Unit, housed within Banca d'Italia, responsible for AML analysis and suspicious transaction report receipt. Directly comparable to CTIF-CFI as an EU FIU with similar regulatory and operational framework.

Others

• Egmont Group of Financial Intelligence Units: The international organization of 180+ FIUs that CTIF-CFI co-founded in 1995, facilitating cross-border information exchange and operational cooperation. Relevant as the institutional network through which CTIF-CFI conducts international financial intelligence cooperation.
• UNODC goAML (United Nations Office on Drugs and Crime): The UN body that develops and maintains the goAML software platform used by CTIF-CFI and over 60 other FIUs worldwide. Relevant as the technology provider enabling CTIF-CFI's digital reporting infrastructure.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ctif---cfi

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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M&A

Investments

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

Frequently asked questions about CTIF - CFI