DownForce

DownForce builds 01 Your fund and real estate system 02 Your analysis layer on top of the ERP 03 Your automated file assessment

With regard to performance, commitment, effort, dedication, there is no middle ground. Or you do something very well or not at all.

Ayrton Senna
What we do

Three things.

  1. 01

    Fund and real estate systems

    Net asset value per fund, compartment and class. Register of units, capital calls, waterfall with hurdle and catch-up. Tax per holder, client due diligence and reporting towards the regulator. For real estate: debt ratio per property, covenants, due dates and valuation. Multi-year logic under regression tests, with origin per value.

    The domain in detail
  2. 02

    The analysis layer on top of your ERP

    Odoo, Exact, SAP, AFAS, webshop and point of sale over their own API, bank flows via CODA. One data model with one definition per metric. Margin per product, customer and channel. Working capital, inventory and a cash flow forecast. Demand forecasting per day and per product. Budget against actuals, consolidated across entities and currencies.

    The domain in detail
  3. 03

    Automated file assessment

    Assessment of files, applications and documents against a fixed standard. Deviations flagged with their location in the source. No grade, no decision. For streams with many files and limited stakes per file. Not for the single file with high stakes.

    The domain in detail
Cases

Two systems built.

Fund platform for multiple funds

Teseo

One manager runs several funds side by side, each with its own register of units.

More

API connection to the broker for positions and transactions. Net asset value per fund and per unit. Subscriptions, redemptions and the calculation of capital gains tax per holder. Client due diligence on entry under anti-money laundering legislation. Tax, financial and compliance reporting, with origin per value.

Real estate platform for a growing portfolio

Teseo

A portfolio is steered building by building, on the actual amortisation position.

More

Yield, outstanding debt and debt ratio per property and consolidated, calculated on the actual amortisation position. A cash flow forecast over twenty-four months and a calendar of due dates over thirty-six months for bullet loans, interest revisions, indexations and mandatory certificates. Rent indexation by the statutory method, on the Statbel health index. Refinancing analysis against Euribor and the ten-year OLO, calculated with amortisation taken into account. A valuation history per property, with value creation and growth rate. An acquisition scenario that runs a candidate property against the existing portfolio. Alerts on concentration and on approaching the debt limits. EPRA-compliant reporting. The calculation logic is under regression tests.

Teseo
Our client

Teseo

Kwinten Van Hoecke is a co-founder of Teseo. These two systems were built on assignment and paid for.

Own system

Esmond.

Esmond esmond.be

Assesses academic work before submission. Writes nothing for the user and gives no grade.

Unattended
From request to delivered report without intervention.
Calibrated
Per discipline, per level of study and per country.
In house
Engine, calibration, payment flow, infrastructure.
How it is built
  1. 01

    Judgement built in stages

    More

    The assessment is built up in several separate steps, each with its own instruction and its own failure path. If one step drops out, the assessment does not.

  2. 02

    Verification against invention

    More

    Every remark must be literally traceable in the submitted document. Whatever fails that test is removed, even when it reads well.

  3. 03

    Cost control by design

    More

    Cost per run is a design choice, not an outcome. It is measured, bounded and monitored, so the system stays predictable at peak volume.

  4. 04

    Calibration

    More

    Discipline, level of study, type of institution and country are settings on one engine, not separate versions. The separations between them are under tests, so one domain cannot leak into another.

Esmond does not in our assessment qualify as a high-risk AI system under Annex III of Regulation (EU) 2024/1689 (AI Act).

Working together

We like working with others.

Directly

From first conversation to working system, with documentation and handover.

As a subcontractor

We work under your name at your client or in the background. Your client stays your client.

With other freelancers

Half in our trade, half in yours: we take the part or the lead.

Practical
Status
Freelance through Ramirez BV, BE 1039.976.194. Invoiced with VAT.
Engagement
A fixed price on a defined scope, time and materials per day where it is not yet settled. Cancellable monthly.
Availability
There is room for new assignments. Start date and number of days per week by arrangement.
Location
Ghent. Remote or on site in Belgium.
Languages
Dutch, English, French.
Team

Who does the work.

Kwinten Van Hoecke

Kwinten Van Hoecke

I work in three domains where figures and judgements are audited: financial services, real estate and education.

Kwinten Van Hoecke is the responsible lead and your point of contact on every assignment. Specialists for legal, tax or technical work are brought in per assignment. You know before the start who is working on it.

Profile

The CV, on request.

For agencies and clients who need a profile for a file or a tender. Dutch and English.

We use these details only to reach you. Nothing else.

Contact
[email protected]

Goudensterstraat 20
9000 Ghent, Belgium

+32 472 29 19 49

linkedin.com/in/kwintenvh