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Complok
Techstars '23Tallinn, EE · Founded 2020 · 6 employees on LinkedIn · 3 known investors
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Complok provides Know Your Business (KYB) compliance software that automates customer onboarding and risk assessment for financial institutions and regulated businesses. The platform automatically pulls company data, ownership structures, and beneficial owner information from official registries, screens against sanctions and PEP lists, and uses AI to score client risk.
Also known as Complok OÜ
Investors · 3
How we know: Change Ventures's portfolio page · the VCSheet dataset · open dataset · 5k.vc investor directory · Not right? Tell us
How we know: open dataset · 5k.vc investor directory · Not right? Tell us
How we know: the Techstars portfolio · open dataset · Top 3000 Accelerator Startups (no YC) 2026-08 · open dataset · 5k.vc investor directory · Not right? Tell us
Company profile
researched Sep 2026Complok is a Tallinn-based provider of Know Your Business (KYB) compliance software aimed at firms subject to EU Anti-Money Laundering directives. The platform covers the compliance lifecycle in one product: white-label client onboarding forms that require only a company name and registration number, after which company data, ownership structure and ultimate beneficial owners are pulled automatically from official registries for the client to confirm; automated screening of every entity in the ownership chain against PEP, sanctions and adverse media sources; AI-generated risk scoring with a transparent breakdown across geography, industry, ownership and screening results, plus a suggested accept/conditional/reject decision that a compliance officer confirms; guided enhanced due diligence; continuous monitoring with scheduled next-due-diligence dates and re-screening; and an automatically logged audit trail exportable as a one-click PDF client report.
The product is organised around a triage model: the company states that roughly 90% of low-risk clients can be cleared automatically, leaving about 10% for human-in-the-loop review. A portfolio dashboard shows clients managed, onboarding in progress and distribution of clients by low, medium and high risk score. The platform has also been described as a broader risk management solution that replaces manual spreadsheet work for compliance teams, covering enterprise-wide, compliance and financial crime risks; in 2024 it added an automated cyber security risk assessment module, extending its scope beyond the financial sector.
Founding story
Mari-Liis Kurg is identified as the founder of Complok.
Business model
Software-as-a-service sold on a subscription basis, with pricing advertised as starting at €100 per month.
Recurring subscription fees for access to the KYB compliance platform, advertised from €100 per month.
Traction
Named customers and reference logos include Volvo, Finora Bank, Kriptomat, LHV, Wallester and Numeri. The company was selected for the ABN AMRO & Techstars Future of Finance Accelerator cohort announced in December 2023 and developed its cyber security risk assessment tool in Tehnopol's Cyber Accelerator. A European startup directory reports total funding in the €1 million to €2.5 million range and lists the company as active.
Latest developments
The company markets an end-to-end KYB platform combining automated onboarding, instant screening, guided due diligence, risk scoring, continuous monitoring and one-click reporting, with subscriptions starting at €100 per month.
▸Full profile — market position, technology, go-to-market, geography, history
Market position
Positions itself as a consolidated alternative to multi-vendor compliance stacks, listing Volvo, Finora Bank, Kriptomat, LHV, Wallester and Numeri as organisations that use or trust the product. A European startup directory categorises it under fintech and big data in Estonia.
Automated registry-based data collection that reduces client input to a name and registration number, automatic clearance of the majority of low-risk clients, explainable AI risk scoring with recommended actions, and a built-in audit trail and one-click regulator-ready export in a single platform rather than several vendors.
Technology
An AI engine ingests company and registry data, sanctions lists, PEP databases and adverse media, then screens entities, calculates a risk score with an explainable justification and routes low-risk cases to automatic clearance. Supporting capabilities include registry-driven data prefill and UBO resolution, white-label onboarding forms, continuous monitoring and automatic audit-trail logging with PDF export.
Go-to-market
Direct sales via website sign-up and demo booking, supported by accelerator participation and free pilot programmes — for example an offer of free testing of the cyber security risk assessment tool to five SMEs and startups — and by referenceable enterprise and fintech logos.
Financial institutions and other regulated or obliged entities that must meet EU AML requirements, including banks, fintechs and crypto businesses; the cyber security risk assessment module targets SMEs and startups more broadly.
Geography
Headquartered in Tallinn, Estonia, with a product oriented to EU AML directive requirements and registry coverage including Estonia; participation in the ABN AMRO & Techstars Future of Finance Accelerator and Tehnopol's Cyber Accelerator.
History
Founded in 2020 in Tallinn, Complok built an AI-driven risk management platform for compliance teams in the financial sector. It joined the ABN AMRO & Techstars Future of Finance Accelerator cohort announced in December 2023, and in February 2024 announced an automated cyber security risk assessment tool developed in Tehnopol's Cyber Accelerator, extending the platform beyond financial-sector risks and recruiting five SMEs and startups for free testing. The current product is positioned as an end-to-end KYB compliance platform.
Compiled by commissioned research from 7 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
Timeline · 2
launches, deals, and filingsComplok extended its risk management platform beyond the financial sector with an automated Cyber Security Risk Assessment tool developed in Tehnopol's Cyber Accelerator, and opened a free pilot seeking five SMEs and startups to test it.
Complok was named among the 10 companies in the ABN AMRO & Techstars Future of Finance Accelerator cohort listed in Techstars' December 2023 update. Techstars states it invests $120K in each company joining its three-month mentorship-driven accelerators.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
▸Research sources · 7
primary sources listed
- Complokcomplok.eu · web
7 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Complok do?
- Estonian company offering an AI-driven KYB and AML compliance platform for onboarding, screening and risk scoring.
- Who are Complok's investors?
- Complok's investors include Change Ventures, Goose Valley Ventures, Techstars.
- Where is Complok headquartered?
- Complok is headquartered in Tallinn, EE.