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Scone

White-label renovation intelligence platform for financial institutions and insurers

Distribution & Sales Growth Private
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Overview

Scone is a B2B2C white-label platform that embeds renovation intelligence into customer journeys for banks, insurers, and property networks across Europe. The platform combines AI-powered property analysis with structured questionnaires to generate personalized renovation plans, helping financial institutions deepen customer engagement and create new revenue streams.

The core innovation is automating an unstructured conversation. Rather than relying on averages or incomplete public data (like EPC records with up to 98% missing data), Scone uses satellite and street-level imagery to extract property features automatically, then validates findings through a guided questionnaire. Each completed journey generates 213+ proprietary data points covering insulation, heating systems, glazing, solar potential, and other renovation-relevant factors that carriers and lenders use for underwriting and financial decisions.

Scone operates across three customer segments: mortgage lenders (embedding at purchase moments to increase loan sizes through renovation financing), insurers (driving engagement and claims prevention), and estate agents (positioning the agency as a trusted advisor on home decisions). Live deployments include ABN AMRO, Belfius, Ageas, and VDK Bank, with documented traction such as 81% completion rates, 41% daily active users, +45 NPS, and EUR 520,000+ in identified claims prevention opportunities.

Products & Services

Renovation Intelligence Platform

A guided home survey and property analysis tool that generates renovation plans and financing opportunities for customer journeys.

Key Features

  • Automated property analysis using satellite and street-level imagery
  • Icon-based guided questionnaire (~8 minutes completion time)
  • 213+ proprietary home data points per completed journey
  • Direct integration with contractors and lending partners via API
  • Real-time quote delivery for renovation and financing

Target Users: Banks, mortgage lenders, insurers, property networks

White-Label Deployment for Banks & Mortgage Lenders

Scone embeds directly into mortgage workflows, converting renovation intent into financed projects and higher loan amounts.

Key Features

  • Single-flow integration: homeowner shares data once, contractor and lending quotes arrive automatically
  • Renovation plan generation with financing costed
  • Mortgage professional tools for assessing property improvement potential
  • Referral revenue streams through trusted contractor partnerships

Target Users: Mortgage lenders, banks, brokers

Engagement Platform for Insurers

Targets broker-distributed customers with proactive outreach and risk intelligence based on actual home conditions.

Key Features

  • Weather alerts and claims prevention triggers based on home data
  • Renovation referral partnerships
  • Proprietary data layer for underwriting and risk assessment
  • Broker-channel integration

Target Users: P&C carriers, insurance distributors

At a Glance

Headquarters
Antwerp, Belgium
Employees
51-200
Funding
Private

Category & Focus

Category
Distribution & Sales
Subcategories
Embedded insurance customer engagement property analytics
Insurance Verticals
P&C Personal Specialty
Target Customers
Carriers, Brokers, Employers

Customers

  • ABN AMRO
  • Belfius Bank
  • Ageas
  • VDK Bank
  • AG Insurance
  • Multiple mortgage lenders and brokers across Belgium, UK, and continental Europe

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Last updated: 2026-06-16