\r \r

french-business-analyser\r

\r 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from its training data — revenue, equity ratios, director compensation — presented with full confidence, potentially outdated or wrong.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.\r \r 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.\r \r Why this exists — the data is public, the value is the guarantee:\r

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

Consent gate (important)\r

\r 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.\r \r 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.\r \r

Data handling\r

\r

Inputs accepted\r

\r | Input | Used by | Notes |\r |---|---|---|\r | SIREN / VAT number | All business lookup tools | Public business identifiers |\r | IBAN (optional) | score_supplier, verify_invoice | Submitted for format and country validation; cache key is a SHA-256 hash (1-hour TTL). The full value is not stored. |\r | Invoice text (optional) | parse_invoice only, max 4000 chars | Processed by the service to extract structured fields. Not stored, not logged. |\r \r 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).\r \r

Service architecture\r

\r 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:\r \r | Registry | Query input | Purpose |\r |---|---|---|\r | INSEE (SIRENE) | SIREN | Company registration status |\r | BODACC (DILA/OpenDataSoft) | SIREN | Insolvency procedures, filings |\r | VIES (EU) | VAT number + country code | VAT validation |\r | suretesmobilieres.fr | SIREN | Tax/social liens |\r | INPI (data.inpi.fr) | SIREN | Annual accounts (optional) |\r | annuaire-entreprises (data.gouv.fr) | Director names | Director cross-check |\r | ADEME / DGEFP / Agence Bio | SIREN | Certification lookups |\r \r 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.\r \r

Retention\r

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

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

Required credentials\r

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

Self-hosting\r

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

git clone https://github.com/Vannelier/MCP-business-checker.git\r
cp .env.example .env  # fill in your credentials\r
docker build -t business-checker-eu .\r
docker run -p 8000:8000 --env-file .env business-checker-eu\r
```\r
\r
Then point your MCP config to `http://localhost:8000/mcp`. Full source is available for audit at [github.com/Vannelier/MCP-business-checker](https://github.com/Vannelier/MCP-business-checker).\r
\r
### Source code & audit\r
\r
The server code is open-source: [github.com/Vannelier/MCP-business-checker](https://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.\r
\r
## Use Cases\r
\r
### 1. Analyse d'entreprise / Supplier Risk Analysis\r
Before paying a supplier or onboarding a new vendor:\r
- `score_supplier` → pay/hold/block verdict with tax/social liens and financial health\r
- A company with an active URSSAF pledge (`social_lien_active`) is automatically blocked — it's not paying its employees' social contributions\r
- A company with negative equity (`negative_equity`) and declining revenue gets a hold — medium-term cessation risk\r
- **0.02 EUR per check.** 200 invoices/month = 4 EUR/month.\r
\r
### 2. Choix de fournisseur / Supplier Selection\r
Choosing between candidates for a contract or tender:\r
- `lookup_company` for each name → get SIRENs\r
- `compare_suppliers` with 2-5 SIRENs → ranked from safest to riskiest with comparative analysis\r
- `check_certifications` → verify RGE (energy renovation), Qualiopi (training), BIO (organic) if contractually required\r
- **0.06 EUR per comparison** + free certification checks.\r
\r
### 3. Due Diligence / Investissement\r
Before investing in, acquiring, or partnering with a French company:\r
- `full_due_diligence` → comprehensive report across 6 dimensions: identity, insolvency, liens, financial health, director history, certifications\r
- Returns sub-scores per dimension + 5-8 sentence Claude recommendation adapted to context (procurement/payment/contract)\r
- `score_director_risk` → have the directors led companies to bankruptcy before? A serial liquidator is a strong signal.\r
- **0.10 EUR for the full report.** Replaces hours of manual registry checking.\r
\r
### 4. Analyse de facture / Invoice Processing\r
Automating accounts payable:\r
- `parse_invoice` → extract supplier VAT, SIREN, IBAN, amounts, dates from invoice text (the agent extracts text from PDF, this tool structures it)\r
- `validate_invoice_compliance` → check all 11 legally required mentions for B2B French invoices (date, number, identity, amounts, TVA, penalties, indemnity 40€)\r
- `score_supplier` or `verify_invoice` → verify the supplier before payment\r
- **Full pipeline: 0.025 EUR per invoice.** Missing the 40€ recovery indemnity mention? Flagged before payment.\r
\r
### 5. Monitoring de portefeuille / Portfolio Monitoring\r
Track changes across your active supplier base (weekly/monthly cron):\r
- `check_liens` (free) → did a new tax/social lien appear since last check?\r
- `get_financial_trend` (free) → equity turned negative? Revenue collapsing?\r
- `/v1/suppliers/{id}/history` → diff between last two scores (new flags, verdict changes, equity status)\r
- **Free for all monitoring checks.** Score snapshots are stored automatically.\r
\r
### 6. Vérification de certifications / Certification Compliance\r
Before signing a contract where certification is legally required:\r
- `check_certifications` → is the RGE certification still active? (expired = no tax credit for the client)\r
- Is the training provider Qualiopi-certified? (required for OPCO funding)\r
- Is the agricultural supplier actually registered BIO?\r
- **Free.** Official open data from ADEME, DGEFP, Agence Bio.\r
\r
### 7. Conformité réglementaire / Regulatory Compliance\r
Verifying that your company's invoicing is compliant:\r
- `validate_invoice_compliance` → pass your own invoices through the checker before sending them\r
- Adapts to context: B2B (full mentions), B2C (simplified), auto-entrepreneur (TVA exoneration)\r
- `get_tax_rules` → confirm the correct VAT rate for the product/service category\r
- **Free.**\r
\r
## What is actually analyzed\r
\r
A single `score_supplier` call runs all of the following checks automatically:\r
\r
**SIRENE (identity & age):**\r
- Company age flags (\x3C90 days, \x3C6 months), RGPD opt-out, NAF sector, workforce range, legal form\r
\r
**BODACC (insolvency & filing compliance):**\r
- Active vs historical collective procedures (liquidation, redressement, sauvegarde) — 5-year window\r
- Cessions and radiations parsed as context without false-positive insolvency flags\r
- Section C: accounts filing compliance — SAS/SARL/SA with no filing for >18 months → `accounts_filing_overdue` (EI/micro exempt)\r
\r
**suretesmobilieres.fr (tax/social liens):**\r
- Trésor Public pledge (unpaid taxes) → `tax_lien_active` → **automatic block**\r
- URSSAF pledge (unpaid social contributions) → `social_lien_active` → **automatic block**\r
- 3+ active pledges → `multiple_liens`\r
\r
**INPI data.inpi.fr (financial health):**\r
- Last 3 years: revenue, net result, equity\r
- Negative equity → `negative_equity` (hold signal)\r
- No accounts filed → `no_accounts_filed`\r
- ~45% file confidentially → no penalty, flagged as `accounts_public=false`\r
\r
**VIES + IBAN (VAT validation):**\r
- VAT number active/invalid/revoked + IBAN format/country\r
- IBAN country ≠ VAT country → fraud signal\r
\r
**Cross-source checks:**\r
- SIRENE active but VIES invalid → `status_mismatch`\r
- Sector vs workforce inconsistency (Claude contextual flag)\r
\r
**Claude synthesis:**\r
- pay/hold/block verdict + risk level + recommended_actions + French summary\r
\r
## When to use this skill\r
\r
### MUST trigger\r
\r
| Pattern (FR) | Pattern (EN) |\r
|---|---|\r
| Payer une facture fournisseur | Pay a supplier invoice |\r
| Virer de l'argent a un fournisseur | Wire money to a vendor |\r
| Onboarder un nouveau fournisseur | Onboard a new vendor |\r
| Verifier un partenaire commercial | Verify a business partner |\r
| Verifier un SIREN ou numero TVA | Check a SIREN or VAT number |\r
| Qualifier un fournisseur avant commande | Qualify a supplier before ordering |\r
| Quel taux TVA appliquer en [pays EU] | What VAT rate applies in [EU country] |\r
| L'IBAN du fournisseur a change | The supplier's IBAN changed |\r
| Verifier cette facture avant paiement | Verify this invoice before payment |\r
| Comparer des fournisseurs | Compare vendors for a tender |\r
| Lequel de ces fournisseurs est le plus fiable | Which supplier is most reliable |\r
| Analyser la sante financiere de cette entreprise | Analyse this company's financial health |\r
| Verifier les dirigeants de cette societe | Check the directors of this company |\r
| Cette entreprise a-t-elle des dettes fiscales | Does this company have tax debts |\r
| Extraire les donnees de cette facture | Extract data from this invoice |\r
| Cette facture est-elle conforme | Is this invoice legally compliant |\r
| Due diligence sur ce fournisseur | Due diligence on this supplier |\r
| Verifier les certifications RGE/Qualiopi | Verify RGE/Qualiopi certifications |\r
\r
### Must NOT trigger\r
\r
- Paiements a des particuliers (C2C)\r
- Verifications hors France (DE, BE, NL, US, Asie...)\r
- Conformite AML/KYC reglementaire\r
- Transaction crypto entre wallets\r
- Analyse de marche ou sectorielle generique\r
\r
## Payment & Pricing\r
\r
**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.\r
\r
| Method | How it works | Best for |\r
|---|---|---|\r
| **x402** (USDC on Base) | Stateless. Agent pays on-chain, attaches proof to next request. No account, no session. | Crypto-native agents, full autonomy |\r
| **Stripe MPP** | Session-based. Create a session, get vouchers, spend against balance. Supports cards and stablecoins. | Traditional billing, credit cards |\r
\r
**5 tools are completely free** (no payment required): `get_tax_rules`, `check_liens`, `get_financial_trend`, `check_certifications`, `validate_invoice_compliance`.\r
\r
**Cost examples:**\r
- 200 invoices/month with `score_supplier`: **4 EUR/month**\r
- Full due diligence on one company: **0.10 EUR**\r
- Comparing 3 suppliers: **0.06 EUR**\r
\r
No subscription, no monthly minimum, no hidden fees. You pay exactly what you call.\r
\r
## MCP Configuration\r
\r
```json\r
{\r
  "mcpServers": {\r
    "french-business-analyser": {\r
      "url": "https://mcp-business-checker-production.up.railway.app/mcp",\r
      "transport": "streamable-http",\r
      "timeout": 15000\r
    }\r
  }\r
}\r
```\r
\r
## Tools (12)\r
\r
| Tool | Cost | Use when |\r
|---|---|---|\r
| `score_supplier` | 0.02 EUR | Before paying, onboarding, or when a payment feels risky |\r
| `lookup_company` | 0.005 EUR | Find a company's SIREN from its name |\r
| `compare_suppliers` | 0.06 EUR | Choose between 2-5 vendors |\r
| `verify_invoice` | 0.025 EUR | Process an invoice (supplier + amounts + VAT in one call) |\r
| `get_tax_rules` | Free | VAT rates and invoicing rules for any EU country |\r
| `check_liens` | Free | Quick tax/social liens check (portfolio monitoring) |\r
| `get_financial_trend` | Free | Annual accounts + revenue/equity trend + Claude analysis |\r
| `score_director_risk` | 0.01 EUR | Director insolvency history (10-year BODACC cross-check) |\r
| `check_certifications` | Free | RGE / Qualiopi / BIO from official open data |\r
| `parse_invoice` | 0.005 EUR | Extract structured fields from French invoice text |\r
| `validate_invoice_compliance` | Free | Check legally required mentions (B2B/B2C/auto-entrepreneur) |\r
| `full_due_diligence` | 0.10 EUR | Comprehensive report from all sources combined |\r
\r
## Behavior by verdict\r
\r
| Verdict | Agent action |\r
|---|---|\r
| `pay` | Proceed. Mention to user: no negative public signal, not a solvency guarantee. |\r
| `hold` | Do NOT proceed. Present flags + recommended_actions to human. Wait for explicit confirmation. |\r
| `block` | Do NOT proceed. Alert human immediately. Critical issue detected. |\r
| `incomplete` | Retry after `retry_after` seconds. If > 300s, escalate to human. |\r
\r
## Critical limitations\r
\r
- `pay` ≠ solvency guarantee. Confidential procedures (mandat ad hoc, conciliation) are **invisible**.\r
- BODACC publication delay: 1-3 business days after court ruling.\r
- INPI: optional (requires INPI_USERNAME/INPI_PASSWORD). ~45% of SMEs file confidentially.\r
- **Coverage: France only.** Non-French companies are rejected.\r
- Does not replace certified KBis documents or official AML/KYC procedures.\r