For lenders, insurers & financial institutions

Valuation, EPC and property risk in one verified workflow.

Rock.estate combines the property checks your teams need in one process, without extra vendors, manual follow-up or fragmented reports.
‍Digital first, on-site when needed.

A 30-minute call about your own valuation process. No preparation needed.

3D model of a property with its valuation
Market value
€685,000
Forced-sale
€432,000
Rental
€1,000
Reconstruction
€434,000
Living area
207 m²
Construction
1999
Price / m²
€3,309
EPC label
C
Flood risk
None
3D model of a property with its valuation
Market value
€268,000
Forced-sale
€181,000
Rental
€845
Reconstruction
€239,000
Living area
95 m²
Construction
1952
Price / m²
€2,821
EPC label
E
Flood risk
None
3D model of a property with its valuation
Market value
€412,000
Forced-sale
€278,000
Rental
€1,150
Reconstruction
€352,000
Living area
132 m²
Construction
1931
Price / m²
€3,121
EPC label
C
Flood risk
None
3D model of a property with its valuation
Market value
€335,000
Forced-sale
€225,000
Rental
€950
Reconstruction
€310,000
Living area
148 m²
Construction
1978
Price / m²
€2,264
EPC label
D
Flood risk
Low
3D model of a property with its valuation
Market value
€507,000
Forced-sale
€342,000
Rental
€1,190
Reconstruction
€489,000
Living area
216 m²
Construction
1964
Price / m²
€8,099
EPC label
B
Flood risk
None
Demo — select an address

Used by financial institutions in Belgium and Luxembourg to decide faster, with proof behind every decision.

25K+
valuations delivered yearly
98%
delivered in one business day
1.2M+
properties better insured with our data
16K+
homeowners guided since 2019
Trusted by 13 companies across banking, insurance and property services
ArgentaBaloiseBelfiusKeytrade BankEngieINGYuzzuZimmoCredimoRecord Credits
Before you change anything

Still sending an expert to every property? Most files don't need one.

Someone has to see the property?

5 out of 6 files are verified remotely, in one business day.

Already have a vendor for each service?

Valuation, EPC and flood risk in one report. No reconciling three vendors.

Will a desktop valuation survive audit?

100% of reports are signed by a registered valuer.

What if a visit is needed?

50+ certified experts on site within 3 business days.

See how many of your files we'd value in a day →
How we work

Digital-first,
on-site when needed.

Traditional valuations send every file through the same slow, expensive visit. Rock.estate reviews the file remotely first, and calls in an expert on-site only when the property or your policy requires it.

Digital-first

Valuation report within a business day

5 out of 6 valuations are performed by Desktop Experts, and 98% are delivered within a business day. No visit, no scheduling delay, no added cost.
You win, your client wins.

On-site when needed

Visit within 3 business days, report within 48 hours

If the property profile, data quality or your internal policy requires more certainty, the case is routed to an on-site expert and the report delivered within 48 hours of the visit.

01 · Intake Address and loan data in 02 · Model 40+ data sources, scored Desktop 85% Verified remotely by a Desktop Expert · 24h On-site 15% Certified expert visits within 3 days · 48h 03 · Output One signed valuation report Same format and audit trail, either route
See how your files would route →
What we do

We turn property data into answers you can rely on.

Value, energy performance and flood risk for any home in Belgium and Luxembourg, from a single address.

Know what a property is worth.

Market, forced-sale, rental and reconstruction values from one address, checked and signed by a registered valuer.

  • Lenders: fair-market value for credit decisions and portfolio revaluation
  • Insurers: reconstruction value to set the right sum insured
  • Homeowners: an independent value before you buy, sell or refinance
  • Every value documented and easy to audit
Vuurkruisenlaan 7
Lavendelstraat 8
Kerkstraat 24
Place 17
Brialmontlei 7
Vuurkruisenlaan 7
8310 Sint-Kruis · BE
Verified value
3D model of a property with its valuation
Transaction€685,000
Forced-sale€432,000
Reconstruction€434,000
Rental / mo€1,000
Market value for lenders · Reconstruction value for insurers
Lavendelstraat 8
2060 Antwerpen · BE
Verified value
3D model of a property with its valuation
Transaction€268,000
Forced-sale€181,000
Reconstruction€239,000
Rental / mo€845
Market value for lenders · Reconstruction value for insurers
Kerkstraat 24
9000 Gent · BE
Verified value
3D model of a property with its valuation
Transaction€412,000
Forced-sale€278,000
Reconstruction€352,000
Rental / mo€1,150
Market value for lenders · Reconstruction value for insurers
Place 17
3580 Beringen · BE
Verified value
3D model of a property with its valuation
Transaction€335,000
Forced-sale€225,000
Reconstruction€310,000
Rental / mo€950
Market value for lenders · Reconstruction value for insurers
Brialmontlei 7
2018 Antwerpen-Noord · BE
Verified value
3D model of a property with its valuation
Transaction€507,000
Forced-sale€342,000
Reconstruction€489,000
Rental / mo€1,190
Market value for lenders · Reconstruction value for insurers

See how efficient a home is, and what to improve.

The EPC label of any home, with renovation scenarios that show the cost, the new label and the effect on its value.

  • EPC label and renovation simulation per property
  • Renovation scenarios toward better energy performance
  • Energy transition insight across individual assets and portfolios
  • Useful context for lenders, insurers and homeowners
Vuurkruisenlaan 7
Lavendelstraat 8
Kerkstraat 24
Place 17
Brialmontlei 7
Vuurkruisenlaan 7
Energy label & renovation
C
G
F
E
D
C
B
A
▲
today
200 kWh/m²
▲
after reno
Investment
→
Home value increase
Lavendelstraat 8
Energy label & renovation
E
C
G
F
E
D
C
B
A
▲
today
445 kWh/m²
▲
after reno
255 kWh/m²
Investment
€12,500
→
Home value increase
+€16,000
Wall + floor insulation, HR glazing
Kerkstraat 24
Energy label & renovation
C
B
G
F
E
D
C
B
A
▲
today
245 kWh/m²
▲
after reno
165 kWh/m²
Investment
€4,200
→
Home value increase
+€9,000
Roof insulation
Place 17
Energy label & renovation
D
C
G
F
E
D
C
B
A
▲
today
335 kWh/m²
▲
after reno
245 kWh/m²
Investment
€7,800
→
Home value increase
+€11,000
Roof + wall insulation
Brialmontlei 7
Energy label & renovation
B
A
G
F
E
D
C
B
A
▲
today
165 kWh/m²
▲
after reno
92 kWh/m²
Investment
€6,400
→
Home value increase
+€12,000
Wall cavity + roof insulation

See which homes are exposed to flooding.

A flood risk level for every address, based on official flood zones, so it can be priced, monitored and reported.

  • Flood risk indicators per property
  • Building and parcel-level context where available
  • Distance to exposure indicators where relevant
  • Portfolio-level view of risk concentration
Vuurkruisenlaan 7
Lavendelstraat 8
Kerkstraat 24
Place 17
Brialmontlei 7
Vuurkruisenlaan 7
Flood assessment
Per address
Regular zone
Insurance exclusion
3D model of a property with its EPC label
None
· nearest zone
14.1 m
Official regional flood-zone data · building & parcel
3D model of a property with its flood risk
None
· nearest zone
1,706 m
Insurance-exclusion zone (1 m) · building & parcel
Lavendelstraat 8
Flood assessment
Per address
Regular zone
Insurance exclusion
3D model of a property with its EPC label
None
· nearest zone
180 m
Official regional flood-zone data · building & parcel
3D model of a property with its flood risk
None
· nearest zone
316 m
Insurance-exclusion zone (1 m) · building & parcel
Kerkstraat 24
Flood assessment
Per address
Regular zone
Insurance exclusion
3D model of a property with its EPC label
None
· nearest zone
210 m
Official regional flood-zone data · building & parcel
3D model of a property with its flood risk
None
· nearest zone
460 m
Insurance-exclusion zone (1 m) · building & parcel
Place 17
Flood assessment
Per address
Regular zone
Insurance exclusion
3D model of a property with its EPC label
Low
· nearest zone
35 m
Official regional flood-zone data · building & parcel
3D model of a property with its flood risk
None
· nearest zone
190 m
Insurance-exclusion zone (1 m) · building & parcel
Brialmontlei 7
Flood assessment
Per address
Regular zone
Insurance exclusion
3D model of a property with its EPC label
None
· nearest zone
120 m
Official regional flood-zone data · building & parcel
3D model of a property with its flood risk
None
· nearest zone
340 m
Insurance-exclusion zone (1 m) · building & parcel

Who it's for

How we value

Digital first, on-site when needed.

Automatic
Most files
Desktop
On-site
How it works
An estimate from the address and our data
A registered valuer reviews the data remotely
A certified expert visits the property
Signed by a valuer
✕
✓
✓
Time to a value
Instant
98% in one business day
Visit within 3 business days, report 48 h later
Share of files
—
5 in 6
1 in 6
40,000+ desktop valuations. Half within 5.2% of the transaction price.
Methodology

The valuer never sees the price.

Most valuations start from the agreed price and adjust from there. Ours don't. The transaction price, the loan amount and the client's own estimate are kept out of the valuer's process entirely, so every value comes from the property and the market.

A typical valuation
Agreed price
+
Property
→
Valuer
→
Value
The price is on the file, so the value tends to land close to it.
Rock.estate
Property
+
Market
→
Valuer
→
Value
Agreed price
Loan amount
Client estimate
Kept out of the valuer's process entirely.

See an independent valuation on one of your own files.

A 30-minute call. Bring an address, we run it live.

Book a 30-min demo →
BEFORE YOU ADOPT

Everything your team needs to say yes.

Will it pass our review?

Every report is documented against CRR and EBA guidelines, so your review team can sign off without rework.

To confirm
Yearly
audits by major European clients

Will it fit our systems?

Each report also comes back as structured JSON (values, building details, risk), straight into the tools you already use.

PDF + JSON
via API

Can we validate the model?

We share the methodology and back-testing results, so your team can validate the model before you commit.

40K+
valuations back-tested, half within 5.2% of the transaction price

Is our data safe?

Rock.estate is audited every year by major European clients across IT security, model risk governance and compliance.

3
audit areas, reviewed every year
Frequently asked

Questions we get in every first call.

When do you actually visit the property?
Who signs the valuation?
Does the valuer see the transaction price?
Which properties and regions do you cover?
How do we test it before we commit?
What can we ask for on top of the value?
We're a lender. Where do we start?
We're an insurer. Where do we start?
I want to value my own home. Can I?
For lenders, insurers and financial institutions

See your our solution in action before you commit.

In 30 minutes we walk you through a few sample addresses, then run one of yours live. Bring any property you want to test.

For lender, insurer and financial-institution teams
Valuations, building data, flood risk and portfolio checks
We'll only use your details to arrange the demo.
Already a customer? Use the contact form →
×

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