The new generation of AI for credit.
The new generation of AI for credit.
Automated risk analysis.
Fast. Secure. Efficient.
The Base39 interprets balances, balance sheets, contracts, and statements automatically, enriching this information with the main data providers in the market. The result? A deep, contextual analysis ready for more secure and personalized decisions.
We started using Base39 for company analyses in our origination process and we were pleasantly surprised by the speed and dynamics of information that go beyond conventional bureaus. Valuable information for decision-making and accessible in just a few minutes.
Thiago Pinnoti
Director of Financial Operations
We started using Base39 for company analyses in our origination process and we were pleasantly surprised by the speed and dynamics of information that go beyond conventional bureaus. Valuable information for decision-making and accessible in just a few minutes.
Thiago Pinnoti
Director of Financial Operations
We started using Base39 for company analyses in our origination process and we were pleasantly surprised by the speed and dynamics of information that go beyond conventional bureaus. Valuable information for decision-making and accessible in just a few minutes.
Thiago Pinnoti
Director of Financial Operations
We started using Base39 for company analyses in our origination process and we were pleasantly surprised by the speed and dynamics of information that go beyond conventional bureaus. Valuable information for decision-making and accessible in just a few minutes.
Thiago Pinnoti
Director of Financial Operations
Unmatched speed
Decide before any competitor.
Always.
The main account went into overdraft for up to R$ 180 thousand in 3 of the last 6 months — volatile cash flow.
The social contract states that the two partners, Joana and Marcos, who each hold 50%, are only liable for the obligations they individually sign. In addition, there is a clause that requires joint signatures for financial commitments above R$ 500 thousand.
The legal reserve has not been constituted, despite the profit being above 5% — in violation of Article 193 of the Corporate Law.
Local reports indicate a factory shutdown due to a lack of suppliers for three weeks, which may be the reason for idle stock valued at R$ 4.5 million — impacting turnover and liquidity.
The main account went into overdraft for up to R$ 180 thousand in 3 of the last 6 months — volatile cash flow.
The social contract states that the two partners, Joana and Marcos, who each hold 50%, are only liable for the obligations they individually sign. In addition, there is a clause that requires joint signatures for financial commitments above R$ 500 thousand.
The legal reserve has not been constituted, despite the profit being above 5% — in violation of Article 193 of the Corporate Law.
Local reports indicate a factory shutdown due to a lack of suppliers for three weeks, which may be the reason for idle stock valued at R$ 4.5 million — impacting turnover and liquidity.
The main account went into overdraft for up to R$ 180 thousand in 3 of the last 6 months — volatile cash flow.
The social contract states that the two partners, Joana and Marcos, who each hold 50%, are only liable for the obligations they individually sign. In addition, there is a clause that requires joint signatures for financial commitments above R$ 500 thousand.
The legal reserve has not been constituted, despite the profit being above 5% — in violation of Article 193 of the Corporate Law.
Local reports indicate a factory shutdown due to a lack of suppliers for three weeks, which may be the reason for idle stock valued at R$ 4.5 million — impacting turnover and liquidity.
The main account went into overdraft for up to R$ 180 thousand in 3 of the last 6 months — volatile cash flow.
The social contract states that the two partners, Joana and Marcos, who each hold 50%, are only liable for the obligations they individually sign. In addition, there is a clause that requires joint signatures for financial commitments above R$ 500 thousand.
The legal reserve has not been constituted, despite the profit being above 5% — in violation of Article 193 of the Corporate Law.
Local reports indicate a factory shutdown due to a lack of suppliers for three weeks, which may be the reason for idle stock valued at R$ 4.5 million — impacting turnover and liquidity.
The sole holder, João M., is listed as a former managing partner of another transport company that declared bankruptcy in 2022, with R$ 8.3 million in labor and tax debts.
Former state secretary of infrastructure until 2021, involved in a fraud investigation regarding overpricing with a public action still underway.
The main account went into overdraft for up to R$ 180 thousand in 3 of the last 6 months — volatile cash flow.
Fixed assets grew by 280% in a year, but there is no depreciation recorded — which violates the accounting principles required by Law 6.404/76.
The legal reserve has not been constituted, despite the profit being above 5% — in violation of Article 193 of the Corporate Law.
The social contract states that the two partners, Joana and Marcos, who each hold 50%, are only liable for the obligations they individually sign. In addition, there is a clause that requires joint signatures for financial commitments above R$ 500 thousand.
Local reports indicate a factory shutdown due to a lack of suppliers for three weeks, which may be the reason for idle stock valued at R$ 4.5 million — impacting turnover and liquidity.
Net margin of 12%, but the statement reveals three interbank debts of R$ 1.2 million overdue for 45 days — confirmed in the SCR. Operational delinquency exceeds what the accounting numbers show.
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Base39 uses advanced generative AI models to automatically analyze — in 3 minutes — credit risks from financial documents. Instead of relying on time-consuming manual analyses, the platform transforms stacks of balance sheets and reports into actionable insights.
Supported by robust infrastructure, it can examine every detail quickly and accurately, providing a comprehensive assessment of the client. This automation enables more accurate decisions without the traditional bureaucratic delays.
Unmatched capabilities
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With or without documents, Base39 prepares the complete report for your analysis. If you want, you can import the files. Base39 extracts the data, enriches it with external sources, and delivers everything ready, just the way you need.
With or without documents, Base39 prepares the complete report for your analysis. If you want, you can import the files. Base39 extracts the data, enriches it with external sources, and delivers everything ready, just the way you need.
High capacity.
Full control.
Go beyond manual reading
Base39 identifies hidden patterns, inconsistencies, and unusual behaviors. You see what truly matters — without wasting time on what doesn't matter.
Highlights
Data extraction from documents
Risk and exception detection
Anomaly detection
Company profile analysis
Comparisons between companies
Go beyond manual reading
Base39 identifies hidden patterns, inconsistencies, and unusual behaviors. You see what truly matters — without wasting time on what doesn't matter.
Highlights
Data extraction from documents
Risk and exception detection
Anomaly detection
Company profile analysis
Comparisons between companies
Proprietary technology
Base39 AI Engine:
the first AI for financial services
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The Base39 AI Engine is an artificial intelligence architecture developed for financial analysis. Each layer is optimized to interpret documents, cross-reference information, and deliver answers with accuracy and consistency.
The Base39 AI Engine is an artificial intelligence architecture developed for financial analysis. Each layer is optimized to interpret documents, cross-reference information, and deliver answers with accuracy and consistency.
[3.A.1] Interpretation of the context
Before any analysis, Base39 interprets the content received — whether it is a document, raw data, or a history. This ensures that the right data is read in the right way.
Before any analysis, Base39 interprets the content received — whether it is a document, raw data, or a history. This ensures that the right data is read in the right way.
[3.A.3] Verification and consistency
Each generated insight undergoes internal validations: consistency checks, market comparisons, custom rules, and alerts about atypical behaviors.
Each generated insight undergoes internal validations: consistency checks, market comparisons, custom rules, and alerts about atypical behaviors.
[3.A.2] Extraction and generation of insights
With its own architecture based on enrichment and cross-validation, the Base39 engine extracts relevant data, seeks complementary information, and structures the initial signs of risk.
With its own architecture based on enrichment and cross-validation, the Base39 engine extracts relevant data, seeks complementary information, and structures the initial signs of risk.
[3.A.4] Continuous optimization
The engine's performance is continuously adjusted based on rules, criteria, and parameters defined by the client — ensuring greater accuracy.
The engine's performance is continuously adjusted based on rules, criteria, and parameters defined by the client — ensuring greater accuracy.
Perfect integration
Base39 delivers the right information.
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Base39 chooses the best source, cascading consultation until it finds the ideal data and integrates everything in minutes. You can set up your contract or bill through our marketplace.
Base39 chooses the best source, cascading consultation until it finds the ideal data and integrates everything in minutes. You can set up your contract or bill through our marketplace.
Base39 chooses the best source, cascading consultation until it finds the ideal data and integrates everything in minutes. You can set up your contract or bill through our marketplace.
We seek information sequentially, saving resources and maximizing coverage — without paying for data you don't use.
If a provider fails or returns empty data, we move on to the next one until the search is complete.
Do you already have a contract? No problem: priority for your source, with the entire Base39 ecosystem running on top.
Base39 chooses the best source based on cost-effectiveness
Turn your data into credit decisions
Schedule a demo and gain access to test at no cost.
Turn your data into credit decisions
Schedule a demo and gain access to test at no cost.
Turn your data into credit decisions
Schedule a demo and gain access to test at no cost.