No. 11 of 23 ·Debt Management Software

Fincent

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Freedom report

One barScore 5.4

Free tierNo free tier on record
Open codeNo open-source code on record
Runs widely1 of 6 device platforms
DocumentedPlans, terms and facts published

Fincent is ranked #11 of 23 in debt management software on Freedom251. It runs on Web.

Fincent plans and pricing

All plans

Fincent SaaS subscription Not published Price depends on selected modules · municipality size · required external system links innovadis.com · 4 Oct 2026

Compared on debt management software

Balance tracking: Yes
Creditor tracking: Yes
Counselor workspace: Yes

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The record

Purpose: Fincent is an application for debt counseling that supports the process from early detection through becoming debt free.
Modular SaaS: Organizations can buy individual modules or a total package, and the software is provided as SaaS with automatic updates.
Early warning: The early warning module processes financial difficulty signals from housing associations, energy suppliers, water suppliers, and health insurers, and includes a route planner.
Debt settlement: The debt settlement module supports building a debt list, preparing and sending proposals, negotiating with creditors, and communicating with residents.
Resident portal: Residents can view their file through a smartphone-friendly web app, log in with DigiD, and securely share documents.
Integrations: Fincent lists integrations with case systems via the ZGW API, BRP, VISH, and the Debt Junction; the VISH and Debt Junction interfaces are included as standard.
Security certification: The product page states that Fincent is ISO 27001 certified and undergoes an independent annual ICT security assessment, including for the DigiD connection.
Data location: The maker says data is stored and processed in secure data centers within the European Economic Area and that Fincent complies with AVG requirements.
Accessibility: Fincent was developed according to WCAG 2.1 level AA guidelines.
Intended customers: Fincent was developed for municipalities, credit banks, neighborhood teams, money counters, and social counselors, and the maker says it scales from 10,000 to 1,500,000 residents.
Implementation: The maker says implementation averages 3 to 6 months depending on modules and required integrations, and includes configuration, team training, and go-live support.
Updates: The maker says updates run automatically in the background without downtime and are provided every two weeks.
Price availability: The maker offers a customized quote after an introductory meeting and inventory; the SaaS subscription includes maintenance, updates, and security.
Maker location: Innovadis lists its address as Brouwerijstraat 1-A1, 7523 XC Enschede, Netherlands.

Where it ranks on Freedom251

Best Debt Management Software in 2026#11 of 23

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Sources

innovadis.com/en/products/fincent· checked 4 Oct 2026