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Français Investing isn’t about sentiment or luck: it’s about analysing the data.
An analysis platform for investors with a medium- and long-term strategy: technical and fundamental data.
- 38,000+
- companies
- Listed worldwide, with accounts and valuation for each one.
- 9,700+
- ETFs
- With full holdings and a screener to choose.
- 60+
- markets
- The Americas, Europe and Asia, in one place.
- 30 years
- of history
- Price and fundamental series to see the whole cycle.
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Other services
For asset managers, advisers and banks; for media; for companies and SMEs.
I build custom software, automate and analyse. Want to raise your returns?
Software
- Data and softwareI build the data and the tool end to end, from source to screen: pipelines, APIs, web and reports, with quality checks and running in production. In finance or in any other sector. You get a working system, not a list of technologies.
- Automated reporting and publishingReports, notes and articles that generate and publish themselves on schedule: draft, charts, quality gates and publication, every day and without hands on keyboards. I run this in production.
- Coding agentsI put AI agents to work inside your repository, with clear rules and review of what they generate: your team moves faster and judgment stays human.
Finance
- From financial product to specWhen finance asks for something IT does not quite understand, I sit in the middle: I listen to the instrument, rule or flow you need and write it down in enough detail to be built, tested and audited — identifiers, calendars, currencies and data criteria included.
- Close, forecast and reportingThe reports the board expects every month, ready and on time: KPIs, deviations, forecast and investment performance, with the accounting view applied properly. I check what is missing or wrong and leave the trail of every figure in view — including a dashboard for whoever decides.
- Valuation and modelsDoes the business hold up, or just the spreadsheet? I build or review the full valuation: IRR, WACC, comparables, dilution, waterfalls. Also sector accounts — energy, real estate — and merger models.
- Audit and train finance AIIf you are putting AI on your numbers, it should not invent them. I prepare the data and text to train and evaluate models, build systems that answer with the document in view — filings, earnings calls, a news pipeline — and check where the model invents the number, the assumption or the conclusion. On-prem if the data cannot leave your premises.
- Market, capital and productI follow the economy, geopolitics, capital and regulation — by region, style, sector and site — and turn it into scenarios that fit your product or your report. ESG as a figure in the note, not a stamp on a portfolio.
- Transaction toolsThe tools your team operates with every day — data rooms, interfaces, half-digitized processes — I remove the jam, digitize them and leave them repeatable. Fewer manual steps, the same judgment.
- Signals and inefficienciesI search for and validate statistical signals on market inefficiencies, in equities, ETFs, futures, FX, options or prediction markets. The method stays in the open and can be repeated; the outcome is not sold in advance.
- Risk modelsI build or validate the risk model your business has to be able to defend: credit (structured included), rating, market, real estate. With honest intervals, not false precision.
- Economics of the businessThe numbers of your business, made clear: margin, break-even, process costs, market size. And if you run an SME, I leave your invoicing and books on a system that repeats without you.
- Portfolio controlThe model to keep watch over a portfolio: risk, expected return and matching what is invested with what must be paid, always with the assumptions in view. You decide the allocation.
Who I am
I am Javier Bernal-Polo, and Bernal FinTech SL is me: the same person who designs the financial models writes the code that runs them.
I trained in Wirtschaftsinformatik in Bonn, spent several years in data and development in Germany, and founded the company in 2022. I am now taking the Master’s in Advanced Finance.
Let’s talk.
The quickest way to know if this fits: write to me.