french-business-analyser#

Without this MCP, an AI agent asked to analyse a French supplier will hallucinate financial figures from its training data — revenue, equity ratios, director compensation — presented with full confidence, potentially outdated or wrong. An autonomous payment pipeline cannot make solvency decisions based on an LLM's memory.

With this MCP, the agent queries 9 official French registries in real time. What is verified is stated with its timestamp. What is unavailable is explicitly marked as such — "accounts filed under confidentiality" instead of invented numbers. The agent knows what it doesn't know.

Why this exists — the data is public, the value is the guarantee:

• No hallucination: every data point comes from an official registry queried at call time, not from LLM training data
• Explicit uncertainty: when a source is unavailable or accounts are confidential, the response says so — instead of inventing plausible numbers
• 9 sources, 1 integration: SIRENE, BODACC, VIES, suretesmobilieres.fr, INPI, annuaire-entreprises, ADEME, DGEFP, Agence Bio
• Deep risk signals: tax liens, social liens, negative equity, director insolvency history — signals that basic company lookups miss entirely
• Invoice intelligence: extract structured data from French invoices + verify all legally required mentions
• BODACC done right: insolvency parsing + filing compliance without the false positives that plague most integrations
• Claude synthesis: verdict + recommended actions + French summary, not a data dump
• MCP native: zero OAuth2, zero rate limiting — one JSON config block and you're live

Consent gate (important)#

Every paid tool requires explicit user approval before the agent proceeds. The agent must show the user the cost and wait for confirmation. Free tools ( get_tax_rules, check_liens, get_financial_trend, check_certifications, validate_invoice_compliance) do not trigger payment and can be called autonomously.

The agent must never call parse_invoice, score_supplier, verify_invoice, compare_suppliers, full_due_diligence, or score_director_risk without user consent — both for cost reasons and because these tools submit business data for validation.

Data handling#

Inputs accepted#

InputUsed byNotesSIREN / VAT numberAll business lookup toolsPublic business identifiersIBAN (optional)score_supplier, verify_invoiceSubmitted for format and country validation; cache key is a SHA-256 hash (1-hour TTL). The full value is not stored.Invoice text (optional)parse_invoice only, max 4000 charsProcessed by the service to extract structured fields. Not stored, not logged.

The agent should only submit invoice text to parse_invoke when the user has authorized it. For confidential documents, self-host the service (see below).

Service architecture#

The MCP endpoint https://mcp-business-checker-production.up.railway.app/mcp runs on Railway and queries the following public French registries and EU validation services on your behalf:

RegistryQuery inputPurposeINSEE (SIRENE)SIRENCompany registration statusBODACC (DILA/OpenDataSoft)SIRENInsolvency procedures, filingsVIES (EU)VAT number + country codeVAT validationsuretesmobilieres.frSIRENTax/social liensINPI (data.inpi.fr)SIRENAnnual accounts (optional)annuaire-entreprises (data.gouv.fr)Director namesDirector cross-checkADEME / DGEFP / Agence BioSIRENCertification lookups

Verdict synthesis and invoice field extraction are performed by the Anthropic Claude API, which the service calls server-side. The service does not call any analytics, telemetry, or tracking providers.

Retention#

The service uses Redis with explicit TTLs and no persistent database:

• SIRENE / BODACC / liens / certifications: 24 hours
• INPI annual accounts: 7 days
• EU VAT rates: 7 days
• IBAN validation: 1 hour (hashed cache key only)
• Score history snapshots: 30 days, max 10 per company
• Verdicts: never cached (fresh on every call)
• Invoice text: never stored (processed in-memory, returned to caller, discarded)
• Logs: correlation IDs, paths, timings only — no business data, no document content

Required credentials#

Agent-side: none. The MCP config block below is the only setup required. No API keys, no tokens, no OAuth flow.

Server-side (self-hosters only): see the .env.example in the repository. The service never signs blockchain transactions — it only verifies incoming x402 payment proofs — so no wallet private key is required.

Self-hosting#

Use the hosted service for convenience or self-host for full control:

bash

git clone https://github.com/Vannelier/MCP-business-checker.git
cp .env.example .env  # fill in your credentials
docker build -t business-checker-eu .
docker run -p 8000:8000 --env-file .env business-checker-eu

Then point your MCP config to http://localhost:8000/mcp. Full source is available for audit at github.com/Vannelier/MCP-business-checker.

Source code & audit#

The server code is open-source: github.com/Vannelier/MCP-business-checker. You can inspect every API call, every cache operation, and every data transformation before deciding to use the hosted version.

Use Cases#

1. Analyse d'entreprise / Supplier Risk Analysis#

Before paying a supplier or onboarding a new vendor:

• score_supplier → pay/hold/block verdict with tax/social liens and financial health
• A company with an active URSSAF pledge ( social_lien_active) is automatically blocked — it's not paying its employees' social contributions
• A company with negative equity ( negative_equity) and declining revenue gets a hold — medium-term cessation risk
• 0.02 EUR per check. 200 invoices/month = 4 EUR/month.

2. Choix de fournisseur / Supplier Selection#

Choosing between candidates for a contract or tender:

• lookup_company for each name → get SIRENs
• compare_suppliers with 2-5 SIRENs → ranked from safest to riskiest with comparative analysis
• check_certifications → verify RGE (energy renovation), Qualiopi (training), BIO (organic) if contractually required
• 0.06 EUR per comparison + free certification checks.

3. Due Diligence / Investissement#

Before investing in, acquiring, or partnering with a French company:

• full_due_diligence → comprehensive report across 6 dimensions: identity, insolvency, liens, financial health, director history, certifications
• Returns sub-scores per dimension + 5-8 sentence Claude recommendation adapted to context (procurement/payment/contract)
• score_director_risk → have the directors led companies to bankruptcy before? A serial liquidator is a strong signal.
• 0.10 EUR for the full report. Replaces hours of manual registry checking.

4. Analyse de facture / Invoice Processing#

Automating accounts payable:

• parse_invoice → extract supplier VAT, SIREN, IBAN, amounts, dates from invoice text (the agent extracts text from PDF, this tool structures it)
• validate_invoice_compliance → check all 11 legally required mentions for B2B French invoices (date, number, identity, amounts, TVA, penalties, indemnity 40€)
• score_supplier or verify_invoice → verify the supplier before payment
• Full pipeline: 0.025 EUR per invoice. Missing the 40€ recovery indemnity mention? Flagged before payment.

5. Monitoring de portefeuille / Portfolio Monitoring#

Track changes across your active supplier base (weekly/monthly cron):

• check_liens (free) → did a new tax/social lien appear since last check?
• get_financial_trend (free) → equity turned negative? Revenue collapsing?
• /v1/suppliers/{id}/history → diff between last two scores (new flags, verdict changes, equity status)
• Free for all monitoring checks. Score snapshots are stored automatically.

6. Vérification de certifications / Certification Compliance#

Before signing a contract where certification is legally required:

• check_certifications → is the RGE certification still active? (expired = no tax credit for the client)
• Is the training provider Qualiopi-certified? (required for OPCO funding)
• Is the agricultural supplier actually registered BIO?
• Free. Official open data from ADEME, DGEFP, Agence Bio.

7. Conformité réglementaire / Regulatory Compliance#

Verifying that your company's invoicing is compliant:

• validate_invoice_compliance → pass your own invoices through the checker before sending them
• Adapts to context: B2B (full mentions), B2C (simplified), auto-entrepreneur (TVA exoneration)
• get_tax_rules → confirm the correct VAT rate for the product/service category
• Free.

What is actually analyzed#

A single score_supplier call runs all of the following checks automatically:

SIRENE (identity & age):

• Company age flags (<90 days, <6 months), RGPD opt-out, NAF sector, workforce range, legal form

BODACC (insolvency & filing compliance):

• Active vs historical collective procedures (liquidation, redressement, sauvegarde) — 5-year window
• Cessions and radiations parsed as context without false-positive insolvency flags
• Section C: accounts filing compliance — SAS/SARL/SA with no filing for >18 months → accounts_filing_overdue (EI/micro exempt)

suretesmobilieres.fr (tax/social liens):

• Trésor Public pledge (unpaid taxes) → tax_lien_active → automatic block
• URSSAF pledge (unpaid social contributions) → social_lien_active → automatic block
• 3+ active pledges → multiple_liens

INPI data.inpi.fr (financial health):

• Last 3 years: revenue, net result, equity
• Negative equity → negative_equity (hold signal)
• No accounts filed → no_accounts_filed
• ~45% file confidentially → no penalty, flagged as accounts_public=false

VIES + IBAN (VAT validation):

• VAT number active/invalid/revoked + IBAN format/country
• IBAN country ≠ VAT country → fraud signal

Cross-source checks:

• SIRENE active but VIES invalid → status_mismatch
• Sector vs workforce inconsistency (Claude contextual flag)

Claude synthesis:

• pay/hold/block verdict + risk level + recommended_actions + French summary

When to use this skill#

MUST trigger#

Pattern (FR)Pattern (EN)Payer une facture fournisseurPay a supplier invoiceVirer de l'argent a un fournisseurWire money to a vendorOnboarder un nouveau fournisseurOnboard a new vendorVerifier un partenaire commercialVerify a business partnerVerifier un SIREN ou numero TVACheck a SIREN or VAT numberQualifier un fournisseur avant commandeQualify a supplier before orderingQuel taux TVA appliquer en [pays EU]What VAT rate applies in [EU country]L'IBAN du fournisseur a changeThe supplier's IBAN changedVerifier cette facture avant paiementVerify this invoice before paymentComparer des fournisseursCompare vendors for a tenderLequel de ces fournisseurs est le plus fiableWhich supplier is most reliableAnalyser la sante financiere de cette entrepriseAnalyse this company's financial healthVerifier les dirigeants de cette societeCheck the directors of this companyCette entreprise a-t-elle des dettes fiscalesDoes this company have tax debtsExtraire les donnees de cette factureExtract data from this invoiceCette facture est-elle conformeIs this invoice legally compliantDue diligence sur ce fournisseurDue diligence on this supplierVerifier les certifications RGE/QualiopiVerify RGE/Qualiopi certifications

Must NOT trigger#

• Paiements a des particuliers (C2C)
• Verifications hors France (DE, BE, NL, US, Asie...)
• Conformite AML/KYC reglementaire
• Transaction crypto entre wallets
• Analyse de marche ou sectorielle generique

Payment & Pricing#

How payment works: When you call a paid tool, the server returns HTTP 402 with two payment options. Your MCP client picks one automatically — no manual action required.

MethodHow it worksBest forx402 (USDC on Base)Stateless. Agent pays on-chain, attaches proof to next request. No account, no session.Crypto-native agents, full autonomyStripe MPPSession-based. Create a session, get vouchers, spend against balance. Supports cards and stablecoins.Traditional billing, credit cards

5 tools are completely free (no payment required): get_tax_rules, check_liens, get_financial_trend, check_certifications, validate_invoice_compliance.

Cost examples:

• 200 invoices/month with score_supplier: 4 EUR/month
• Full due diligence on one company: 0.10 EUR
• Comparing 3 suppliers: 0.06 EUR

No subscription, no monthly minimum, no hidden fees. You pay exactly what you call.

MCP Configuration#

json

{
  "mcpServers": {
    "french-business-analyser": {
      "url": "https://mcp-business-checker-production.up.railway.app/mcp",
      "transport": "streamable-http",
      "timeout": 15000
    }
  }
}

Tools (12)#

ToolCostUse whenscore_supplier0.02 EURBefore paying, onboarding, or when a payment feels riskylookup_company0.005 EURFind a company's SIREN from its namecompare_suppliers0.06 EURChoose between 2-5 vendorsverify_invoice0.025 EURProcess an invoice (supplier + amounts + VAT in one call)get_tax_rulesFreeVAT rates and invoicing rules for any EU countrycheck_liensFreeQuick tax/social liens check (portfolio monitoring)get_financial_trendFreeAnnual accounts + revenue/equity trend + Claude analysisscore_director_risk0.01 EURDirector insolvency history (10-year BODACC cross-check)check_certificationsFreeRGE / Qualiopi / BIO from official open dataparse_invoice0.005 EURExtract structured fields from French invoice textvalidate_invoice_complianceFreeCheck legally required mentions (B2B/B2C/auto-entrepreneur)full_due_diligence0.10 EURComprehensive report from all sources combined

Behavior by verdict#

VerdictAgent actionpayProceed. Mention to user: no negative public signal, not a solvency guarantee.holdDo NOT proceed. Present flags + recommended_actions to human. Wait for explicit confirmation.blockDo NOT proceed. Alert human immediately. Critical issue detected.incompleteRetry after retry_after seconds. If > 300s, escalate to human.

Critical limitations#

• pay ≠ solvency guarantee. Confidential procedures (mandat ad hoc, conciliation) are invisible.
• BODACC publication delay: 1-3 business days after court ruling.
• INPI: optional (requires INPI_USERNAME/INPI_PASSWORD). ~45% of SMEs file confidentially.
• Coverage: France only. Non-French companies are rejected.
• Does not replace certified KBis documents or official AML/KYC procedures.