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goscore
Techstars '22Bergen, NO · Founded 2019 · 5 employees on LinkedIn · 1 known investors
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GoScore provides a fair credit scoring service that assesses creditworthiness based on sustainable financial behavior rather than traditional metrics like salary. The platform serves individuals and businesses seeking alternative credit assessment for personalized financial offers and user experience.
Also known as Goscore AS · goscore.me
Founders & leadership
goscore was founded in 2019 by Max Gordienok.
Investors · 1
How we know: the Techstars portfolio · open dataset · Top 3000 Accelerator Startups (no YC) 2026-08 · Not right? Tell us
Company profile
researched Sep 2026Goscore AS is a Bergen, Norway-based fintech that develops credit scoring technology intended to assess individuals on financial behaviour rather than on income level alone. The company describes itself as a Nordic-first credit reference agency (kredittopplysningsforetak) incorporated in Norway under company number 922707324, authorised as a CRA and supervised by Datatilsynet, with a registered office at Lars Hilles gate 30, Bergen.
On the consumer side, goscore markets a mobile app offering a credit score, credit report, budgeting with a proprietary transaction classification engine, user-editable spending categories, and personalised, actionable tips for improving household finances. The app is presented as forthcoming, with private testing and a waitlist sign-up, and is described as free to the user. A separate "Debt-Free Tool" is also listed among products. Applying is described as comparable to signing in to online banking and completable in minutes.
For business customers, goscore offers solutions built on open banking and consent-based data aggregation, including credit and affordability/solvency assessment, income verification, behavioural risk profiling, customer segmentation, explainable decisioning with customer-facing feedback, and machine-learning credit model development. A product called "sprove" provides solvency verification, including tenant solvency checks and rental payment insurance for real estate. Targeted industries include banks, insurance, debt collection, eCommerce, accounting and real estate. Upcoming initiatives listed include consumer credit scoring, SME and corporate lending support, and universal APIs to aggregate and enrich data from common ERP and accounting platforms in Norway. The company also frames its work against UN Sustainable Development Goal target 1.4 on access to financial services.
Founding story
Goscore was founded by Maxim Gordienok (also referred to as Max Gordienok and Maksim Hardziyenak), who describes himself as founder of goscore, a provider of cross-border credit scoring technology and AI for banks and fintechs, and is based in Bergen, Norway. [6]
Business model
Goscore operates a two-sided model: a free consumer-facing credit score, credit report and budgeting app, and commercial solutions sold to financial institutions and other businesses for credit assessment, affordability and solvency verification, behavioural risk insights and machine-learning model development. Business onboarding is presented as requiring near-zero integration, with the company's team supporting implementation. [0][2][4][5]
Traction
The company cites results of +17% conversion rate increase, +24% acceptance rate increase and -49% default rate reduction, and states its scoring technology already helps banks and lenders in the Nordics. Consumer products (app, credit score and credit check) are described as coming soon, with private testing and waitlists open. [0][2][3][4]
Latest developments
The company is recruiting (careers.goscore.me) and running early-access and waitlist programmes for its consumer app, a Norwegian credit check and credit score offering, an SME-lending project with banks, and universal APIs for accounting and ERP data aggregation in Norway. [0][4][5][6]
▸Full profile — market position, technology, go-to-market, geography, history
Market position
Goscore describes itself as a Nordic-first credit reference agency and states its scoring technology is already used by banks and lenders in the Nordics to evaluate consumers and provide personalised offers. It positions itself as offering competition to incumbent bank credit assessment processes. [0][4][5]
The company positions its scoring as rewarding sustainable financial behaviour rather than higher salary, emphasising plain-language explanations of scores, user control over data and categorisation, real-time updating of the score, and explainable decisions for both lenders and end customers. It also cites regulatory standing as an authorised Norwegian credit reference agency supervised by Datatilsynet. [0][2][4]
Technology
The platform uses open banking and consent-based customer data aggregation combined with public registers to deliver real-time data, machine-learning credit models, a proprietary transaction classification engine for budgeting, and explainable decision output with customer-facing feedback and improvement tips. The company also states it is developing universal APIs to retrieve data from common ERP and accounting systems in Norway. [0][2][4][5]
Go-to-market
Consumer acquisition runs through waitlists, private testing sign-ups and a newsletter (goblog); business acquisition is via direct contact, demo bookings and early-access programmes for specific initiatives such as the SME-lending project and accounting-data APIs. Visibility has also come from startup competitions and accelerator programmes. [0][2][5]
Private individuals in Norway/the Nordics seeking a credit score, credit report and budgeting tools, and business customers including banks, insurers, debt collection firms, eCommerce merchants, accounting providers and real estate/rental operators. The company also states it is working with banks on an SME-lending project. [0][2][4][5]
Geography
Registered and incorporated in Norway with its office at Lars Hilles gate 30, Bergen; the website carries Norwegian-language content and the product focus is Norway and the wider Nordic region, with cross-border credit scoring as a stated theme. [0][2][6]
History
Goscore AS is incorporated in Norway (company no. 922707324) and based in Bergen. The website lists competition placements and recognition across 2019 and 2020, including wins at Gründerhub Norway, Gründerhub Bergen, Hack for Crisis (EU) and BearingPoint @ Slush (Finland, 2019); finalist positions at SAS Poland, Shift Money Croatia, Money 20/20 Europe and the Mastercard Startup Academy; Top 100 at Slush Finland 2019 and the UK Sustainability Fast Track 2020; and being featured by Horizons Ventures Acceler8 2019. A COVID-19 response is listed among the company's initiatives. [0][2]
Compiled by commissioned research from 8 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 · 12
launches, deals, and filingsGoscore AS states it is an authorised CRA (kredittopplysningsforetak) registered and incorporated in Norway, company no. 922707324, supervised by Datatilsynet.
Listed among goscore's award-winning technology recognitions.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
▸Research sources · 8
primary sources listed
- goscoregoscore.me · web
8 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does goscore do?
- Norwegian credit reference agency building open-banking-based credit scoring for consumers, banks and lenders.
- Who founded goscore?
- goscore was founded by Max Gordienok in 2019.
- Who are goscore's investors?
- goscore's investors include Techstars.
- Where is goscore headquartered?
- goscore is headquartered in Bergen, NO.