ctif cfi

What ctif cfi does

CTIF-CFI (Cellule de Traitement des Informations Financières / Cel voor Financiële Informatieverwerking) is Belgium's statutory Financial Intelligence Unit, an independent administrative authority with legal personality operating under the joint supervision of the Belgian Ministers of Justice and Finance. Established under the Law of 18 September 2017 on the prevention of money laundering and terrorist financing, the agency receives and analyzes suspicious transaction reports and financial facts from obliged entities — including banks, credit institutions, payment institutions, notaries, real estate agents, accountants, lawyers, and dealers in precious metals — and transmits intelligence to the Belgian Public Prosecutor and Federal Prosecutor when serious indicators of money laundering, terrorism financing, or proliferation financing are identified. In 2025, the agency processed 102,312 communications and transmitted 1,334 dossiers totaling 2.13 billion EUR to judicial authorities.

The agency's core product is the goAML web-based platform, developed by the United Nations Office on Drugs and Crime (UNODC) specifically for Financial Intelligence Units, which CTIF-CFI adopted in February 2023 and made the sole mandatory reporting channel from 30 September 2024. The platform supports disclosures via web forms, XML upload, and web service (B2B) integration, includes a secure message board for CTIF-CFI-to-entity communication, and manages entity registration and contact persons. Supporting products include the Vademecum typological publication (18 money laundering schemes, January 2025), annual activity reports in French and Dutch, and thematic risk resources on topics such as cyber-enabled fraud, virtual assets, and terrorist financing.

CTIF-CFI is a government authority with no commercial revenue model; its services are provided free of charge to reporting entities and it is funded through Belgian federal budget allocations. The agency is a founding member of the Egmont Group of Financial Intelligence Units, cooperates with OLAF under a March 2022 arrangement, participates in FATF typological work, and works alongside Belgian supervisory authorities (NBB, FSMA). It is led by President Philippe de Koster, a magistrate, supported by Secretary General Kris Meskens. CTIF-CFI does not have subsidiaries, has not raised external funding, and operates exclusively within Belgium.

Name

ctif cfi

Legal name

CTIF-CFI (Cellule de Traitement des Informations Financières)

Website

https://ctif-cfi.be

Company type

Private

Operating status

Operating

Short description

CTIF-CFI is Belgium's statutory Financial Intelligence Unit, an independent government authority that receives, analyzes, and disseminates suspicious transaction reports from obliged entities (banks, notaries, and other designated professions) to judicial authorities to combat money laundering and terrorist financing.

Ownership category

akta.pro rank

Product category

Financial Intelligence and Anti-Money Laundering Services

SIC

International Affairs (9721)

akta.pro primary industry

AML/CTF Transaction Monitoring & Case Management (FSAGAFAC)

akta.pro secondary industries

Case Management, Investigations & SAR/STR Filing (FSAMAMAF), Financial Crime, AML/CFT & Sanctions Compliance (BPAHAFAE), Financial Crime Compliance (AML/KYC/Sanctions) (EDABADAD), Financial Regulation, AML/CFT & Tax Transparency Cooperation (BPADANAL)

Keywords

• Financial intelligence unit
• Anti-money laundering
• Suspicious transaction reporting
• GoAML platform
• Terrorist financing prevention

Headquarters

HQ city

Brussels

HQ country

Belgium

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Distribution channels2 records

Marketing channels4 records

Core offering

CTIF-CFI is Belgium's national Financial Intelligence Unit (FIU), an independent administrative authority that receives, analyzes, and processes suspicious transaction reports and financial facts submitted by legally designated obliged entities (banks, notaries, accountants, real estate agents, and other financial and non-financial professions). It disseminates analyzed intelligence to Belgian judicial authorities when there are serious indicators of money laundering, terrorism financing, or proliferation financing, and produces typological studies, guidelines, and annual reports to support obliged entities in detecting financial crime.

Product overview

CTIF-CFI operates as Belgium's Financial Intelligence Unit, offering a suite of anti-money laundering and counter-terrorist financing products. The core offering is the goAML platform, a web-based portal for reporting entities to submit suspicious transaction disclosures via web forms, XML upload, or web service automation. Supporting products include the Vademecum typological publication (presenting 18 money laundering schemes), Annual Reports documenting operational statistics and trends, and COVID-related resources on financial crime risks. All products serve reporting entities mandated under Belgian law to detect and report suspicious financial activities.

Differentiator

Problem solved

Functional benefit

Products and services

• goAML A web-based platform developed by UNODC for Financial Intelligence Units through which Belgian obliged entities submit suspicious transaction disclosures via web forms, XML upload, or web service (B2B) integration. Includes a secure message board for communication between CTIF-CFI and reporting entities, entity registration, and contact person management. Mandatory sole reporting channel since 30 September 2024.
• Vademecum Typological publication presenting 18 money laundering typologies observed by CTIF-CFI in strategic analysis. Published as a supplementary document to annual activity reports and made available to obliged entities to help them identify money laundering schemes and patterns.
• Annual Activity Reports Annual activity reports published in French and Dutch covering CTIF-CFI's operational statistics, typological trends, and strategic analyses on money laundering and terrorist financing. Reports are published each year and serve as a primary accountability document.
• COVID-19 Resources Collection of COVID-19 related resources including FATF guidance documents and CTIF-CFI warnings on money laundering and terrorist financing risks arising from the pandemic, made available to reporting entities.

Quantifiable outcome

• Processed 102,312 communications and transmitted 1,334 dossiers totaling 2.13 billion EUR to judicial authorities in 2025

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core.

• OLAF (European Anti-Fraud Office)coreStrategic or Co-development Partner · 23 March 2022CTIF-CFI and OLAF signed an updated cooperation arrangement in March 2022 (updating the 2005 agreement) to collect, analyse, and exchange intelligence on suspicious financial transactions affecting EU financial interests. The cooperation framework allows both offices to work together on money laundering cases and related criminal activities affecting European taxpayers' money.
• Egmont Group of Financial Intelligence UnitscoreStrategic or Co-development PartnerCTIF-CFI is a founding member of the Egmont Group, the global organization of Financial Intelligence Units that promotes and encourages information exchange and cooperation among its members. CTIF-CFI participates in typological studies and intelligence sharing through this international network.
• FATF (Financial Action Task Force)coreStrategic or Co-development PartnerCTIF-CFI works under the framework of FATF recommendations and participates in FATF mutual evaluation processes. The organization contributes to FATF typological studies on topics such as migrant smuggling, cyber-enabled fraud, and virtual assets.
• Belgian Supervisory Authorities (NBB, FSMA, and others)coreStrategic or Co-development PartnerCTIF-CFI cooperates with Belgian supervisory authorities including the National Bank of Belgium (NBB) and the Financial Services and Markets Authority (FSMA). When transmitting information to judicial authorities regarding money laundering from offenses under supervisory authority jurisdiction, CTIF-CFI informs the relevant supervisory authority.
• Belgian Judicial AuthoritiescoreStrategic or Co-development PartnerCTIF-CFI transmits analyzed intelligence to the Public Prosecutor or Federal Prosecutor when there are serious indicators of money laundering, terrorism financing, or financing of proliferation of weapons of mass destruction. The organization works with investigating judges and judicial police.
• UNODC (United Nations Office on Drugs and Crime)coreTechnology or IntegrationCTIF-CFI uses the goAML application, a stable platform developed by UNODC specifically for Financial Intelligence Units. As of February 2023, CTIF-CFI joined a community of more than 60 countries working with goAML.

Scale indicators7 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Tracfin: France's national Financial Intelligence Unit under the Ministry of Economy; performs the same core function as CTIF-CFI — receiving suspicious transaction reports from obliged entities, analyzing them, and transmitting intelligence to French judicial authorities — making it the closest direct peer.
• FIU-the Netherlands: The Dutch Financial Intelligence Unit hosted by the Netherlands Police; functionally equivalent to CTIF-CFI in receiving and analyzing AML/CFT disclosures for a neighboring EU jurisdiction and cooperating internationally through the Egmont Group.
• FINTRAC (Financial Transactions and Reports Analysis Centre of Canada): Canada's national FIU responsible for detecting, preventing, and deterring money laundering and terrorist financing; directly comparable as a government FIU performing STR intake, analysis, and disclosure to law enforcement.
• AUSTRAC: Australia's financial intelligence and regulatory agency; operates as a national FIU receiving and analyzing suspicious matter reports and transactions — a direct functional peer to CTIF-CFI.
• Financial Intelligence Unit-India (FIU-IND): India's national FIU responsible for receiving cash and suspicious transaction reports and coordinating with Indian enforcement agencies; comparable national-mandate FIU operating under FATF-style frameworks.
• NCA (UK National Crime Agency) — NECFC / UKFIU: Hosts the UK Financial Intelligence Unit functions within the National Crime Agency; performs SAR analysis and intelligence dissemination to UK law enforcement, parallel to CTIF-CFI's role in Belgium.

Broad incumbents

• FinCEN (Financial Crimes Enforcement Network, US): The US Treasury bureau that serves as the national FIU for the United States; broader in remit and far larger in scale than CTIF-CFI but performs the same core FIU functions (SAR collection, analysis, BSA enforcement support).

Others

• Egmont Group of Financial Intelligence Units: The international association of FIUs of which CTIF-CFI is a founding member; not a competitor but the global cooperation body that CTIF-CFI channels cross-border intelligence through and relies on for operational reach.
• FATF (Financial Action Task Force): The global AML/CFT standard-setter that defines the framework CTIF-CFI operates within; relevant peer as the policy/typology producer whose outputs (mutual evaluations, typology reports) directly shape CTIF-CFI's mandate.

Regional players

• National Bank of Belgium (NBB) — Supervision of AML/CFT: Belgian prudential supervisor and AML/CFT supervisory authority for credit institutions; CTIF-CFI informs the NBB when transmitting dossiers tied to offenses under NBB jurisdiction, making it the most operationally adjacent Belgian institutional peer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

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

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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M&A

Investments

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