Introduction
European Risk Intelligence Platform (ERIP) API — continuous European filing monitoring and covenant deterioration detection.
ERIP is a continuous European filing intelligence engine focused on credit risk deterioration detection. Not dashboards, generic AI summaries, or retail stock tips. A structured, auditable, API-first risk monitoring system for institutional buyers.
The Problem
There is no single EDGAR-equivalent in Europe. Critical risk signals are buried across national repositories, regulatory filings, and debt disclosures:
- UK — Companies House (accounts, charges, confirmation statements)
- Germany — Unternehmensregister / Bundesanzeiger
- EU — ESEF filings (iXBRL structured IFRS data)
- Cross-border — OAM disclosures, covenant amendments, auditor language changes
Credit deterioration appears first in filings — shrinking covenant headroom, auditor language changes, refinancing risk — not in stock price. Today this is manually reviewed, hard to monitor at scale, and inconsistent across jurisdictions.
What the API Delivers
Filing Ingestion
Real-time ingestion from Companies House, Bundesanzeiger, and ESEF sources. Incremental, rate-limited, source-compliant.
Financial Extraction
EBITDA, net debt, interest coverage, leverage ratios, liquidity, cash runway. Extracted from iXBRL, PDF accounts, and debt footnotes.
Covenant Monitoring
Covenant thresholds, tightening, amendments, waiver events, headroom deterioration — detected automatically.
Risk Signal Detection
Language-level change detection in going concern disclosures, liquidity risk, refinancing dependency, litigation exposure.
Provenance-First
Every signal includes filing source, section reference, page number, before/after diff, extracted excerpt, confidence score, and model version. Auditable, reproducible, defensible.
Who It's For
- Private credit funds
- Special situations / distressed investors
- Trade credit insurers
- SME lenders and factoring firms
- Regional banks
Quick Start
1. Register
curl -X POST https://api.erip.io/api/v1/auth/register \
-H "Content-Type: application/json" \
-d '{"name": "Jane Doe", "email": "jane@fund.com", "password": "your-password"}'The response includes a JWT token and your user profile. New accounts start on the Free tier with 100 API credits.
2. Create an API Key
Use the JWT token to create a long-lived API key:
curl -X POST https://api.erip.io/api/v1/auth/api-keys \
-H "Authorization: Bearer YOUR_JWT_TOKEN" \
-H "Content-Type: application/json" \
-d '{"name": "Production Key"}'Store the returned raw key securely — it is shown only once.
3. Query Companies
curl https://api.erip.io/api/v1/companies/search?name=Rolls%20Royce \
-H "X-Api-Key: erip_YOUR_API_KEY"Each response includes X-Credits-Remaining and X-Credits-Cost headers so you can track usage.