5 agents reading the balance sheet
BS, IS and CF extracted, reconciled and turned into typed variables ready for a decision.
- BS
- IS
- CF
- Auto reconciliation
Credit · Surety Bond
From 45 to 7 minutes per policy. With 95%+ accuracy on the balance sheet.
AI agents read the balance sheet, income and cash-flow statements, build the underwriting opinion and leave only the exception for the desk. Live in a SUSEP insurer.
+100 risk teams already decide with VAAS45min → 7min per balance-sheet analysis
The underwriting bottleneck has a name: reading balance sheets by hand.
Today
- Each balance-sheet analysis takes a senior analyst 45 minutes.
- The broker wants a deadline and the competitor answers first.
- Balance sheets as scanned PDFs, each in a different format.
With VAAS
- Balance sheet read and reconciled by AI in minutes, not hours.
- Underwriting opinion ready for approval, with a suggested limit.
- Auditable trail for every policy, ready for SUSEP.
Workflow builder
You compose underwriting like a flow.
Each step writes to the same dossier. From balance intake to approved limit, with the exception going to the desk. No code. Versioned. Reversible in one click.
DocumentsBS · IS · CF
AI extraction5 agents · reconciliation
Ratiosliquidity · leverage
Registrycompany · owners · lists
Opinionlimit + rationale
Underwriting deskexception only
- Approved
- Desk
- Declined
What the AI does for your underwriting desk.
95%+ accuracy in production
Not a pilot: extraction runs in a SUSEP insurer with measured accuracy above 95%.
- Production metric
- Scanned document
- Multi-format
Opinion ready for approval
The agent suggests the limit and writes the rationale. The underwriter confirms the exception, not from scratch.
- Suggested limit
- Written rationale
- Threshold by ticket
Auditable for SUSEP
Every policy keeps the full trail: what came in, what the AI read, what the desk decided.
- Full trail
- Attached evidence
- Exportable
Built to survive the audit that's coming.
SUSEP Circular 612/2020Underwriting requirements and technical provisions.
SUSEP surety-bond rulesRisk analysis of the applicant and the obligation.
LGPDLegal basis and processing trail for applicant data.
45min → 7minper balance-sheet analysis, with 95%+ accuracy in production
Reading balance sheets was the underwriting bottleneck. With VAAS agents, the senior analyst reviews the exception, not the stack of PDFs. We gained speed without giving up rigor.
Also explore
Five modules, one decision engine.
One flow from data intake to continuous monitoring. Explore the other platform modules.
Workflows
Orchestrate data, rules, AI agents and the desk in auditable flows. No deploy for every new rule.
Explore
Artificial Intelligence
Agents read the dossier, vote alongside the analyst and justify every decision.
Explore
Decision Desk
Queue, authority, dossier and committee in one screen. Human and AI decide together.
Explore
Risk Hub
Continuous monitoring of people and companies. Automatic re-analysis when something changes.
Explore
Datahub
+30 integrated bureaus, normalized into typed and auditable variables.
ExploreReady?Decide in seconds.
Decide in seconds.
Start with a meeting.
In 15 minutes we show how VAAS works in your scenario, with your rules, your data, your volume.