Rock.estate

Building data and risk assessment platform enabling insurers to streamline underwriting and customer onboarding

Underwriting & Risk Growth Bootstrapped

Overview

Rock.estate is a data enrichment platform specializing in automated building assessment and risk evaluation for insurance and financial services. Founded in 2017, the company uses open geodata sources and AI to extract building characteristics and generate valuation estimates from address alone. This enables property insurers to digitize customer onboarding, replace lengthy risk questionnaires with address-based entry, and streamline underwriting workflows without compromising risk assessment accuracy.

The platform delivers nationwide coverage in Belgium and serves major European insurers including AXA, Belfius Insurance, Argenta, and ING. Rock.estate's technology supports multiple use cases across insurance, mortgage lending, energy, and real estate sectors, with particular strength in property insurance where it has demonstrated significant traction replacing manual data collection processes.

The company operates profitably as a bootstrapped business with a 20+ person team bringing over 30 years of combined experience in financial services and insurance.

Products & Services

Building Data Platform

Core SaaS platform providing instant access to comprehensive building characteristics by address lookup.

Key Features

Address geocoding and property identification
Automated extraction of building attributes (parcel area, living area, floor count, construction details)
Risk factor assessment (flood risks, solar panels, swimming pools, structural condition)
3D building models for visual verification and customer communication

Target Users: Property insurers, mortgage lenders, real estate platforms

Valuation Services

Automated calculation of property transaction and reconstruction values based on address and building characteristics.

Key Features

Reconstruction value estimation for insurance underwriting
Transaction value benchmarking
Data-driven premium calculation support

Target Users: Insurers, brokers, appraisers

Portfolio Enrichment

Data quality screening and enrichment for existing insurance portfolios, including identification of claim drivers and pricing model inputs.

Key Features

Portfolio data remediation
Claim driver identification from building characteristics
Pricing model development support

Target Users: Carriers, underwriting teams

At a Glance

Founded: 2017
Headquarters: Brussels, Belgium
Employees: 11-50
Funding: Bootstrapped

Category & Focus

Category: Underwriting & Risk
Subcategories: Data enrichment Risk scoring Building assessment
Insurance Verticals: P&C Personal P&C Commercial Specialty/E&S
Target Customers: Carriers, Brokers, Financial institutions

Customers

AXA — property data partnerships and insurance products
Belfius Insurance — building data for insurance underwriting
Argenta — mortgage and property insurance applications
ING — financial services and lending integrations
Corona Direct (now Belfius Direct Verzekeringen) — simplified home insurance product with address-only underwriting
Essent — insurance and energy sector applications
Engie — energy sector applications
Zimmo — real estate pricing integration (Prijswijzer)
Yuzzu — fintech platform integration