Portfolio monitoring
Continuous year-on-year review of commercial properties, their values, changes in the Land Registry and compliance with mortgage rights. A unique tool on the commercial real-estate monitoring market.
CREM · Commercial Real-Estate Monitoring
Your bank portfolio, under control.
CREM combines collateral monitoring, valuation, cadastral data, GIS and automated risk analysis in one secure environment.
Why CREM
A single view of value and its year-on-year change, data and risks for every property.
GIS all in one
The valuation subject, mortgage rights by creditor, valuation data, cadastre, RUIAN, map layers, flood zones, noise maps and risks are all connected in a single mapping application. A base map, orthophoto map and cadastral map are standard. Everything all in one, clearly arranged.
Banking-grade security
We either run the entire monitoring on our side and deliver only finished reports, or we offer a highly secure connection for automated data transfer and user access via ADFS for displaying data and GIS tools on the client's side. Secure data exchange with banking systems via API, verified and audited. CREM meets all security requirements for data connections with a bank, portfolio manager or owner.
PDF and XML reporting
A structured, customisable report for each property/portfolio, including automated data exchange. We deliver the report in PDF and XML format for machine processing on the client's side. We can adapt to your needs.
Data card
Every asset in full context
- Data from collateral management, valuation, the cadastre and RUIAN in one place.
- Comparison of the current state with the initial valuation and banking or client data.
- Photographs, maps, documents and a history of monitoring reports.
- Uniform identification through property identifiers (ASSET ID) and other attributes on the client's side.
Risk and ESG
Automatic detection of changes and discrepancies
- Verification of the functional unit, legal relationships and ownership restrictions.
- Flood risks based on the geometry of individual buildings and parcels.
- Connection to utility networks, heating method and energy data.
- Validated statistical models for specific property types.
Integration
Secure connection with the bank's/client's environment
- Continuous data exchange through a secure API interface.
- Access rights determine which portfolio and layers a user can see.
- Anonymisation and unification of various input data formats.
- Outputs in PDF and XML, plus data prepared for other banking systems.
Monitoring report
Changes and discrepancies are visible immediately.
CREM compares the appraisal, current valuation, banking data and the state of the Land Registry. It flags differences in the functional unit, values and legal relationships.
Commercial property monitoring
Residential property monitoring
Valuation for internal bank needs
E-VALUE — automated valuation
Price indices and statistical models
GIS, data storage and cloud
How monitoring works
From portfolio data to detailed reports for every property.
Receiving bank and valuation data
Connection with the cadastre and RUIAN
Building the asset's data card
Automatic analysis of changes and risks
Portfolio display in GIS
Monitoring report in PDF and XML
Frequently asked questions
What people ask us most about CREM
- Who is CREM designed for?
- For banks, portfolio managers and owners who need continuous monitoring of commercial and residential properties, their values, risks and compliance with mortgage rights.
- Is the connection to banking systems secure?
- Yes. Data exchange runs through a secure API, user access is managed via ADFS, and the whole solution is verified and audited. CREM meets the security requirements for data connections with a bank, portfolio manager or owner.
- Who operates CREM?
- It's your choice — we either run the monitoring on our side and deliver finished reports, or we offer a secure connection for displaying data and GIS tools on the client's side.
- In what form do we receive the reports?
- A structured, customisable report for each property or portfolio in PDF and XML, including automated data exchange for machine processing on the client's side.