# Skenariolabs

> The data backbone of real estate finance. Auditable asset-level intelligence for European financial institutions.

Skenariolabs provides automated, data-driven intelligence for real estate finance. We serve 200+ institutional clients across Europe, covering over 60 billion euros of collateral under active monitoring.

## What we do

We turn fragmented real estate data into decision-ready, auditable intelligence at the asset level, at scale. From a single address, we reconstruct complete building profiles covering valuation, climate risk, energy performance, technical condition, and renovation potential.

## Pages

- [Home](/): The data backbone of real estate finance.
- [About](/about): Who we are, our team, and our mission.
- [Contact](/contact): Get in touch with our team.
- [Insights](/insights): Research and analysis on real estate finance, climate risk, and regulation.

## Platform

- [Automated Valuation](/platform/automated-valuation): Asset-specific market values and rent estimates with monthly forecasts and stress testing.
- [Climate Risk](/platform/climate-risk): Physical and transition risk, energy performance, carbon intensity, and stranding year — aligned with CRREM, EU Taxonomy, and ECB guidelines.
- [Technical Risk](/platform/technical-risk): Building condition, renovation backlog, retrofit cost modeling, and value uplift projections.
- [Data Enrichment](/platform/data-enrichment): Complete asset-specific profiles reconstructed from fragmented sources with confidence scoring.
- [Technology](/platform/technology): Purpose-built models trained on European real estate fundamentals with full audit trails.

## Solutions

- [Portfolio Audit](/solutions/portfolio-audit): One-time or periodic deep enrichment of entire portfolios. Audit-ready outputs aligned with EBA, CRR3, EU Taxonomy, MEPS, CRREM, and SFDR.
- [Risk Monitoring](/solutions/risk-monitoring): Continuous monthly tracking of all risk dimensions at the asset level with automated alerts.
- [Loan Origination](/solutions/loan-origination): All capabilities delivered ad hoc into financing and underwriting workflows. From address to decision package, same day.

## Insights

- [Basel Committee voluntary climate risk disclosures](/insights/basel-committee-on-banking-supervision-introduces-framework-for-voluntary-climate-risk-disclosures): New framework for voluntary climate risk disclosures from the Basel Committee.
- [ECB climate risk implications](/insights/ecb-climate-risk-implications): What ECB climate risk guidelines mean for European lenders.
- [Green dividends vs brown discounts](/insights/green-dividends-vs-brown-discounts-what-our-research-reveals-about-energy-efficiency-in-real-estate): Research on energy efficiency pricing in real estate.
- [How to make real estate data AI-ready](/insights/how-to-make-real-estate-data-ai-ready): Practical guide to preparing property data for AI workflows.
- [Is the market flipping: mortgage in principle](/insights/is-the-market-flipping-mortgage-in-principle): Analysis of the mortgage-in-principle shift.
- [PRA's upcoming climate risk rules (CP10/25)](/insights/pras-upcoming-climate-risk-rules-what-cp10-25-means-for-uk-lenders): What CP10/25 means for UK lenders.
- [Prudent valuation](/insights/prudent-valuation-building-a-more-resilient-property-market): Building a more resilient property market through prudent valuation.
- [Understanding CRREM](/insights/understanding-crrem-a-key-framework-for-real-estate-decarbonisation): A key framework for real estate decarbonisation.
- [When homes become heat traps](/insights/when-homes-become-heat-traps-why-overheating-is-the-next-climate-risk-for-real-estate-portfolios): Why overheating is the next climate risk for real estate portfolios.

## Company

Founded in 2015 in Helsinki, Finland. Offices in Helsinki (HQ), Cambridge (UK), and Manchester (UK). 25+ person team of data scientists, physicists, engineers, and finance professionals.

## Contact

- Email: hello@skenariolabs.com
- Website: https://skenariolabs.com

## Optional

- [Privacy Policy](/privacy-policy): How we handle personal data.
- [Terms of Use](/terms-of-use): Terms governing use of our website.