refinq – Making Climate and Nature Risk Visible, Actionable, and Insurable

About refinq

Companies worldwide own physical assets — factories, logistics hubs, energy infrastructure, supply chains — that are increasingly exposed to floods, heatwaves, storms, and biodiversity loss. Yet most have little visibility into where exactly they are vulnerable, what the financial consequences are, and what to do about it.

refinq changes that. The platform enables enterprises to upload their locations and receive a complete picture of their physical climate and nature risk exposure: at asset level, with sub-1km precision, and all the way through to a concrete mitigation roadmap with costs and timelines. Not a data dump, but a full journey from risk identification to action.

A Platform Built for the Regulatory Moment

refinq sits at the intersection of two powerful forces: the EU’s Corporate Sustainability Reporting Directive (CSRD), which now legally requires large companies to disclose physical climate and nature risks, and a growing recognition that climate change is no longer a future problem — it is a present financial one.

What sets refinq apart is the combination of climate and nature risk in a single tool — one of very few platforms globally to do so — together with full methodological transparency and Big Four audit validation. Clients including thyssenkrupp, Strabag and Wiener Stadtwerke use refinq not just to meet reporting obligations, but to make smarter operational and investment decisions.

The platform covers a wide range of industries facing physical risk exposure, including manufacturing, food and beverage, infrastructure and construction, energy and utilities, and logistics.

Beyond Reporting — Into Insurance

One of refinq’s most compelling innovations is its ability to translate asset-level risk analysis into insurance intelligence. Many companies discover — only after a flood or storm event — that their existing policies have coverage gaps, mismatched sub-limits, or underinsured sites. refinq makes this visible before it becomes a financial loss, enabling risk managers and treasury teams to renegotiate coverage with data rather than guesswork.

This positions refinq not only as a compliance tool, but as a platform that delivers direct, measurable cost savings.

Partnership Beyond Investing

Our investment in refinq reflects our conviction that the intersection of climate science, enterprise software, and European regulation creates one of the most compelling B2B opportunities of this decade. The founding team — with backgrounds spanning business development, law, and Big Four advisory — brings exactly the complementary skills needed to build and scale in a complex, enterprise-driven market.

We look forward to supporting refinq as it expands across European markets and establishes itself as the standard for physical climate and nature risk intelligence.

For more information, visit refinq.com