refinq · Vienna
Asset-level climate and nature risk analytics.
refinq turns locations into audit-ready risk intelligence for banks and corporates across Europe.
For banks
Audit-ready risk data for the banking book.
One asset-level dataset for EBA, Pillar 3 ESG, CSRD, EU Taxonomy, SFDR and ICAAP.
For corporates
Site-level risk for operations and supply chains.
From CSRD, Taxonomy and TNFD readiness to financial impact and adaptation decisions.
refinq · Vienna
Asset-level climate and nature risk analytics.
refinq turns locations into audit-ready risk intelligence for banks and corporates across Europe.
For banks
Audit-ready risk data for the banking book.
One asset-level dataset for EBA, Pillar 3 ESG, CSRD, EU Taxonomy, SFDR and ICAAP.
For corporates
Site-level risk for operations and supply chains.
From CSRD, Taxonomy and TNFD readiness to financial impact and adaptation decisions.
refinq · Vienna
Asset-level climate and nature risk analytics.
refinq turns locations into audit-ready risk intelligence for banks and corporates across Europe.
For banks
Audit-ready risk data for the banking book.
One asset-level dataset for EBA, Pillar 3 ESG, CSRD, EU Taxonomy, SFDR and ICAAP.
For corporates
Site-level risk for operations and supply chains.
From CSRD, Taxonomy and TNFD readiness to financial impact and adaptation decisions.
Companies leveraging refinq
Companies leveraging refinq
About refinq
refinq scores each location for physical climate and nature risk under IPCC scenarios, then links exposure to financial impact and adaptation. One asset-level dataset serves EBA, Pillar 3 ESG, CSRD, EU Taxonomy, SFDR and ICAAP.
Locations in. Decisions out.
STEP 01
Upload locations
Site list via CSV, Excel or API. Coordinates and asset type are enough to start.
STEP 02
refinq computes
Hazard scoring, nature screening, scenario projection, financial translation. Every value carries provenance.
STEP 03
Decide and report
CSRD and TNFD datapoints, prioritised assets, adaptation measures. One base for reporting and strategy.
Locations in. Decisions out.
STEP 01
Upload locations
Site list via CSV, Excel or API. Coordinates and asset type are enough to start.
STEP 02
refinq computes
Hazard scoring, nature screening, scenario projection, financial translation. Every value carries provenance.
STEP 03
Decide and report
CSRD and TNFD datapoints, prioritised assets, adaptation measures. One base for reporting and strategy.
Locations in. Decisions out.
STEP 01
Upload locations
Site list via CSV, Excel or API. Coordinates and asset type are enough to start.
STEP 02
refinq computes
Hazard scoring, nature screening, scenario projection, financial translation. Every value carries provenance.
STEP 03
Decide and report
CSRD and TNFD datapoints, prioritised assets, adaptation measures. One base for reporting and strategy.
The claims we make and the ones we deliberately don’t.
Modelled, not measured.
Uncertainty ranges, methodology cards and versioned models. That is what survives supervisory review.
E, deliberately.
S and G are largely solvable in-house. Only the E structurally requires external geodata and models.
Foundation, not engine.
refinq is the asset-level data layer your ICAAP, credit process and disclosures consume.
The claims we make and the ones we deliberately don’t.
Modelled, not measured.
Uncertainty ranges, methodology cards and versioned models. That is what survives supervisory review.
E, deliberately.
S and G are largely solvable in-house. Only the E structurally requires external geodata and models.
Foundation, not engine.
refinq is the asset-level data layer your ICAAP, credit process and disclosures consume.
The claims we make and the ones we deliberately don’t.
Modelled, not measured.
Uncertainty ranges, methodology cards and versioned models. That is what survives supervisory review.
E, deliberately.
S and G are largely solvable in-house. Only the E structurally requires external geodata and models.
Foundation, not engine.
refinq is the asset-level data layer your ICAAP, credit process and disclosures consume.
Testimonials
With refinq, we can precisely assess and proactively manage climate risks. The innovative platform helps us to make informed decisions, identify risks at an early stage and achieve our sustainability goals efficiently. Thanks to refinq’s reliable insights, we have also strengthened our confidence in the effectiveness of our sustainability initiatives.
Marika Püspök
/
Chief Climate Officer, Wiener Stadtwerke
Testimonials
With refinq, we can precisely assess and proactively manage climate risks. The innovative platform helps us to make informed decisions, identify risks at an early stage and achieve our sustainability goals efficiently. Thanks to refinq’s reliable insights, we have also strengthened our confidence in the effectiveness of our sustainability initiatives.
Marika Püspök
Chief Climate Officer, Wiener Stadtwerke
For banks
Audit-ready risk data for the banking book.
refinq turns loan book addresses into supervisory-grade risk data, asset by asset.
One dataset serves EBA/GL/2025/01, Pillar 3 ESG, CSRD/ESRS, EU Taxonomy DNSH and SFDR.
Address-level. No sector proxies, the granularity supervisors and DNSH assume.
Days, not quarters. From portfolio file to first full screening.
For banks
Audit-ready risk data for the banking book.
refinq turns loan book addresses into supervisory-grade risk data, asset by asset.
One dataset serves EBA/GL/2025/01, Pillar 3 ESG, CSRD/ESRS, EU Taxonomy DNSH and SFDR.
Address-level. No sector proxies, the granularity supervisors and DNSH assume.
Days, not quarters. From portfolio file to first full screening.
For banks
Audit-ready risk data for the banking book.
refinq turns loan book addresses into supervisory-grade risk data, asset by asset.
One dataset serves EBA/GL/2025/01, Pillar 3 ESG, CSRD/ESRS, EU Taxonomy DNSH and SFDR.
Address-level. No sector proxies, the granularity supervisors and DNSH assume.
Days, not quarters. From portfolio file to first full screening.
For corporates
Site-level risk for operations and supply chains.
refinq scores each location for physical climate and nature risk under IPCC scenarios, then links exposure to financial impact and adaptation.
Hazard scores per site under IPCC scenarios, horizons to 2100.
Protected-area screening, dependencies and impacts, satellite-based change over time.
Site-specific adaptation measures, prioritised by risk reduction.
For corporates
Site-level risk for operations and supply chains.
refinq scores each location for physical climate and nature risk under IPCC scenarios, then links exposure to financial impact and adaptation.
Hazard scores per site under IPCC scenarios, horizons to 2100.
Protected-area screening, dependencies and impacts, satellite-based change over time.
Site-specific adaptation measures, prioritised by risk reduction.
For corporates
Site-level risk for operations and supply chains.
refinq scores each location for physical climate and nature risk under IPCC scenarios, then links exposure to financial impact and adaptation.
Hazard scores per site under IPCC scenarios, horizons to 2100.
Protected-area screening, dependencies and impacts, satellite-based change over time.
Site-specific adaptation measures, prioritised by risk reduction.
Notes on climate and nature risk regulation.
Jan 9, 2026
Climate and nature risk are already credit risk. What happens when the past stops being a guide?
Dec 3, 2025
One River, many realities: Why trust in data shapes adaptation decisions in the Senegal River Basin.
Dec 1, 2025
Don’t Hate the Players, Change the Game: An Evolutionary View of the Climate and Nature Crisis
Nov 3, 2025
Why an Automated Approach to Nature and Climate Data Beats Excel Sheets - Every Single Time
Oct 28, 2025
Climate risk models are not crystal balls, they are decision tools
Sep 30, 2025
Transition risks: why boards cannot afford to look away
Aug 4, 2025
refinq Among Top Climate Adaptation Startups in 2025
Jul 16, 2025
Analyzing Current Trends in Environmental Risk and Regulation
Jul 12, 2025
How AI is Used to Forecast Biodiversity Risks Effectively
Notes on climate and nature risk regulation.
Jan 9, 2026
Climate and nature risk are already credit risk. What happens when the past stops being a guide?
Dec 3, 2025
One River, many realities: Why trust in data shapes adaptation decisions in the Senegal River Basin.
Dec 1, 2025
Don’t Hate the Players, Change the Game: An Evolutionary View of the Climate and Nature Crisis
Nov 3, 2025
Why an Automated Approach to Nature and Climate Data Beats Excel Sheets - Every Single Time
Oct 28, 2025
Climate risk models are not crystal balls, they are decision tools
Sep 30, 2025
Transition risks: why boards cannot afford to look away
Aug 4, 2025
refinq Among Top Climate Adaptation Startups in 2025
Jul 16, 2025
Analyzing Current Trends in Environmental Risk and Regulation
Jul 12, 2025
How AI is Used to Forecast Biodiversity Risks Effectively
Notes on climate and nature risk regulation.
Jan 9, 2026
Climate and nature risk are already credit risk. What happens when the past stops being a guide?
Dec 3, 2025
One River, many realities: Why trust in data shapes adaptation decisions in the Senegal River Basin.
Dec 1, 2025
Don’t Hate the Players, Change the Game: An Evolutionary View of the Climate and Nature Crisis
Nov 3, 2025
Why an Automated Approach to Nature and Climate Data Beats Excel Sheets - Every Single Time
Oct 28, 2025
Climate risk models are not crystal balls, they are decision tools
Sep 30, 2025
Transition risks: why boards cannot afford to look away
Aug 4, 2025
refinq Among Top Climate Adaptation Startups in 2025
Jul 16, 2025
Analyzing Current Trends in Environmental Risk and Regulation
Jul 12, 2025
How AI is Used to Forecast Biodiversity Risks Effectively
Questions we get most often.
What outputs does refinq provide?
Most of our counterparts do. refinq is used alongside inventory and template tools as the asset-level data layer: address-level hazards, nature and biodiversity depth, satellite-based change over time. No rip-and-replace.
Which organisations benefit most from refinq?
refinq supports asset-heavy sectors (utilities, energy, manufacturing, infrastructure, real estate), financial institutions (banks, insurers, asset managers), and companies with global supply chains. Any organisation with physical locations or dependency on natural ecosystems can benefit from our platform.
What are the pricing options for refinq?
refinq uses an annual subscription model, with pricing tailored to the number of locations assessed, the volume of data or API usage, and the modules included - such as Physical Climate Risk, Biodiversity & Ecosystems, Transition Risks & Opportunities, Financial Impact, or the Weather Alert system. The commercial model supports batching through predefined SKUs (e.g., +100 sites), allowing organisations to scale their coverage and functionality over time as needs grow. Each subscription includes a 10-hour support package for onboarding, technical guidance, and expert Q&A, with the option to expand support hours, API capacity, or activate additional modules. The licence covers internal organisational use, while external redistribution of raw data requires prior approval.
Questions we get most often.
What outputs does refinq provide?
Most of our counterparts do. refinq is used alongside inventory and template tools as the asset-level data layer: address-level hazards, nature and biodiversity depth, satellite-based change over time. No rip-and-replace.
Which organisations benefit most from refinq?
refinq supports asset-heavy sectors (utilities, energy, manufacturing, infrastructure, real estate), financial institutions (banks, insurers, asset managers), and companies with global supply chains. Any organisation with physical locations or dependency on natural ecosystems can benefit from our platform.
What are the pricing options for refinq?
refinq uses an annual subscription model, with pricing tailored to the number of locations assessed, the volume of data or API usage, and the modules included - such as Physical Climate Risk, Biodiversity & Ecosystems, Transition Risks & Opportunities, Financial Impact, or the Weather Alert system. The commercial model supports batching through predefined SKUs (e.g., +100 sites), allowing organisations to scale their coverage and functionality over time as needs grow. Each subscription includes a 10-hour support package for onboarding, technical guidance, and expert Q&A, with the option to expand support hours, API capacity, or activate additional modules. The licence covers internal organisational use, while external redistribution of raw data requires prior approval.
Questions we get most often.
What outputs does refinq provide?
Most of our counterparts do. refinq is used alongside inventory and template tools as the asset-level data layer: address-level hazards, nature and biodiversity depth, satellite-based change over time. No rip-and-replace.
Which organisations benefit most from refinq?
refinq supports asset-heavy sectors (utilities, energy, manufacturing, infrastructure, real estate), financial institutions (banks, insurers, asset managers), and companies with global supply chains. Any organisation with physical locations or dependency on natural ecosystems can benefit from our platform.
What are the pricing options for refinq?
refinq uses an annual subscription model, with pricing tailored to the number of locations assessed, the volume of data or API usage, and the modules included - such as Physical Climate Risk, Biodiversity & Ecosystems, Transition Risks & Opportunities, Financial Impact, or the Weather Alert system. The commercial model supports batching through predefined SKUs (e.g., +100 sites), allowing organisations to scale their coverage and functionality over time as needs grow. Each subscription includes a 10-hour support package for onboarding, technical guidance, and expert Q&A, with the option to expand support hours, API capacity, or activate additional modules. The licence covers internal organisational use, while external redistribution of raw data requires prior approval.
Start with evidence, not slides.
Bring a handful of locations and we return the screening.
Start with evidence, not slides.
Bring a handful of locations and we return the screening.
Start with evidence, not slides.
Bring a handful of locations and we return the screening.
For banks
Run a test portfolio
