BALANSA
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Social services

Municipalities, public-health bodies and NGOs

Real-time, consent-based financial stress signals that let agencies intervene before a household reaches crisis — turning reactive casework into preventive support.

PreventiveIntervene before crisis, not after
Lower costCrisis spending avoided is the return
WellbeingFinancial stability as a mental-health lever

The problem

  • Socio-economic position is one of the strongest predictors of mental-health outcomes.
  • Lower position drives financial instability, which drives chronic stress, which drives crisis.
  • Agencies intervene once a household is already in crisis, when help costs the most and works the least.
  • Dutch and especially Finnish agencies are already building budgeting tools to improve socio-economic position — but those tools still depend on someone noticing first.
  • No real-time early-warning signal currently reaches a caseworker.

Use cases

Caseworker early warning

Surface households whose financial trajectory is deteriorating, before arrears or eviction proceedings begin.

Debt-counselling triage

Prioritise limited counselling capacity toward the households closest to a tipping point.

Population-level insight

Aggregate, anonymised stress trajectories to inform local policy and budget allocation.

Where we stand

  • Full pipeline running on live bank data

    Validated

    PSD2 access, cross-bank normalisation, automation-platform orchestration and our MCP workflow run end to end against real accounts — not mock data, not a demo fixture.

  • Grounded in published socio-economic research

    Validated

    The stress model builds on established findings linking socio-economic position to mental health outcomes, including Dutch and Finnish public-health research.

  • Agencies are already building for this

    Validated

    Dutch and especially Finnish social bodies are actively developing budgeting tools to improve socio-economic position. The need is established and funded — what those tools lack is a real-time signal.

  • Agency pilots in the Netherlands and Finland

    Planned

    Target design: a caseworker-facing early-warning view validated against real intervention outcomes.

Discuss an agency pilot

Tell us what you are trying to solve and we will tell you honestly whether we can help yet.

Request a pilot