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.
Used by financial institutions in Belgium and Luxembourg to decide faster, with proof behind every decision.
Still sending an expert to every property? Five out of six files don't need one.
“But someone has to see the property.”
“We already have a vendor for each piece.”
“A desktop valuation won't survive audit.”
“And if a visit is needed where my client lives?”
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.
Same inputs, same verification. Only the route changes.
Valuation report within 24 hours
85% of our valuations are performed by Desktop Experts and delivered within 24 hours. No visit, no scheduling delay, no added cost. You win, your client wins.
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.
One property workflow for valuation, energy and risk.
Understand what the property is worth.
Support mortgage origination, revaluation and non-performing loan monitoring with property values reviewed through one digital-first workflow, verified by a registered valuer.
- Fair-market valuation for lending decisions
- Revaluation support for portfolio monitoring and Non Performing Loans workflows
- Reconstruction value for insurance use cases
- Fully compliant workflow, easy to audit, and completed by a registered valuer
From today's energy label to its renovated value.
Combine EPC information with renovation scenarios so teams can understand energy performance, transition potential and the possible impact of improvements.
- 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
Flood risk, assessed on every asset.
Bring flood-risk and other property-level risk indicators into the same workflow, so teams can support underwriting, pricing, reporting and disclosure with clearer property context.
- Flood risk indicators per property
- Building and parcel-level context where available
- Distance to exposure indicators where relevant
- Portfolio-level view of risk concentration
Two mandates. One engine.
Originate, monitor and report on the book.
Price and reinstate on verified property facts.
Compared with how it's done today.
Built to reduce anchoring bias.
Transaction information may be needed to apply business rules or route a file correctly. Our workflow is designed so that this context does not become the starting point for the valuation judgement itself.
Used for routing
Transaction information can help apply lender-specific business rules, such as deciding whether a file should be reviewed desktop or routed on-site.
Separated from judgement
The valuation itself is designed to assess the property on its own merits, so prior information does not become the starting point for the expert's judgement.
Will it pass our review?
Yes — structure and methodology align to EBA and RICS standards, so risk and audit sign off without rework.
Will it fit our systems?
Yes — every report also ships as structured data (values, characteristics, risk signals), ready to plug in with no re-keying.
Can we validate the model?
Yes — documentation and backtesting are built for internal validation and compliance review, the evidence that unlocks adoption.
Questions we get in every first call.
Bring ten real files to the call.
We'll run them through the workflow live — and show you which files come back desktop and which we'd route on-site, before you commit to anything.
