Español 
Deutsch 
Français Beyond the headlines
The numbers behind the headline.
A closed analysis platform for people who want the whole model, not the summary. More than 38,000 companies, more than 30 years of financial history, and a probabilistic risk engine you will not find in a retail tool.
What Bernal FinTech is
Almost every investing tool shows you what already happened. This one shows you the distribution of what can happen next.
Bernal FinTech is a subscription platform for fundamental and quantitative analysis. Three decades of financial statements, valuation you drive yourself, and a layer almost no retail product includes: probabilistic risk, done properly, on any company in the universe.
It is closed on purpose. No free plan, no public data pages, no ads, and no resale of data. You subscribe, you go in, and the whole platform is yours — because the alternative is a product built for advertisers instead of for the person using it.
And one afternoon a week, in Cafinvest, we use it together.
What is inside
Fundamentals all the way down
Income statement, balance sheet, cash flow, segment breakdown, ownership and insider activity for more than 38,000 companies across more than 60 markets, with more than 30 years of history where it exists.
Valuation you control
An interactive DCF where you set the assumptions — growth, margins, discount rate — and watch the number move. Owner Earnings next to the reported figure, because accounting profit and the cash a business actually produces are not the same thing.
A probabilistic risk engine
This is the part comparable platforms leave out. Value at Risk and CVaR, GARCH volatility, Monte Carlo simulation, Markov regime detection and the Hurst exponent for trend persistence — computed on every company, not a short list. Each measure is audited against its statistical assumptions; it is not published just because the formula ran without an error.
Rules-based technical reading on three horizons
A rules-based indicator summary for short, swing and long horizons, with a conviction score that shows how far the indicators agree with each other. Volume Profile with POC, value area and high-volume nodes. Deterministic, transparent and reproducible: you can see exactly which rules fired.
Sector dashboards
Where money is moving, sector by sector, without reading forty articles to find out.
Cafinvest
Tuesdays: coffee and markets.
18:00–19:30. 40 sessions a year. In Spanish.
An analysis platform is useless if you do not know what to ask it. Cafinvest is the other half: ninety minutes a week, live, with me.
The first part is real training — how to read a balance sheet, how to build a valuation that survives an uncomfortable question, what a VaR actually measures and when it stops measuring it. The second is that week’s market: what happened, which numbers sit behind it, and what is noise. With the platform open on screen and your questions live.
This is not investment advice and I do not comment on individual portfolios. It is training and analysis: you leave knowing how to look, not what to buy.
What this is not
I would rather you knew before you pay.
No real-time prices.
The data is end-of-day. Real time requires direct exchange licences and serious fees, and I have chosen not to put that cost into your subscription. If you trade intraday, this is not your tool.
No data export.
No CSV, no Excel, no bulk download, no API. My data licence does not allow redistribution, and I would rather say so here than after you pay. Everything is queried inside the platform.
No investment recommendations.
You will not find a buy list, a model portfolio or a screen that tells you what to do next. Bernal FinTech gives you data, models and statistical measures. The decision is entirely yours — and that is not a legal footnote, it is the design.
No free plan and no ads.
Subscriptions are the only thing that funds this.
Who builds it
I am Javier Bernal-Polo and I built Bernal FinTech alone: the data pipeline, the database, the statistical models, the charts and the software that holds it together.
My training sits between two worlds that almost never meet. I studied Wirtschaftsinformatik — business informatics — with a specialisation in IT controlling at Hochschule Bonn-Rhein-Sieg, and spent several years in Germany as a digital analyst at Mediengruppe RTL Deutschland and as a developer, before founding Bernal FinTech SL in 2022. On the finance side I am taking the Master’s in Advanced Finance at Universidad Nebrija and preparing the CEFA certificate from IEAF/EFFAS.
That mix is why this platform exists. Financial analysis tools are usually built by engineers who outsource the finance, or by analysts who outsource the engineering. I do both, which is why the probabilistic layer is a core part of the product and not a marketing bullet.
I work in Spanish, German and English, from Murcia.
Project work
Besides the subscriptions, Bernal FinTech SL takes on commissioned work.
Financial data engineering.
Ingestion pipelines, a data store and a reporting layer for organisations that have the data and cannot actually use it. It is exactly what I do for my own platform, including the part almost nobody does: checking that the numbers that come out are right.
Economic and financial reports.
Bespoke analysis for family offices, boards and finance teams. Company and sector studies, valuation work, or a quantitative reading of the risk in an existing portfolio.
Pricing
Three ways of working with me. No free plan, no ads, no resale of data: subscriptions are the only thing that funds this, so the only person I have to keep happy is you.
Subscriptions open shortly. The prices below are final and will not change at launch. If you want in earlier, ask me for a demo: I am giving individual access for a few days.
Platform
€20/month
€200/year · two months free on the annual plan
For people who build their own view and want the whole model, not the summary.
Includes
- Full coverage: more than 38,000 listed companies across more than 60 markets, with more than 30 years of financial history
- Full financial statements: income, balance sheet, cash flow, segments, ownership and insider activity
- Interactive DCF: your assumptions, your discount rate, recalculated live. Owner Earnings next to the reported figure
- Probabilistic block on any company: VaR and CVaR, GARCH volatility, Monte Carlo, Markov regimes and the Hurst exponent
- Rules-based technical reading on three horizons — short, swing and long — with a conviction score, on ADX, squeeze and SuperTrend
- Volume Profile with POC, VAH, VAL, high-volume nodes and the 70% value area
- Sector dashboards and the ETF screener
Does not include
- Real-time quotes. The data is end-of-day.
- Any kind of data export: no CSV, Excel, bulk download or API. Data is queried inside the platform.
- Portfolio-level aggregated risk
- A screener across the 38,000+ companies
- Alerts
Cafinvest
€20/month
€200/year · two months free on the annual plan
Tuesdays, 18:00–19:30. Live training and market analysis, in Spanish.
Includes
- Weekly 90-minute live session, 40 sessions a year
- Structured training plus that week’s market analysis
- Live questions
Does not include
- Platform access — that is separate, or in the pack
- Investment recommendations, reviews of individual portfolios, or answers of the form “should I buy this?”
Cafinvest + Platform
€30/month
€300/year · both, which is how they are meant to be used
On Tuesdays I analyse the market with the platform on screen. With the pack, you have it too: what you see on Tuesday you can reproduce on Wednesday with your own assumptions. Everything in Platform, plus everything in Cafinvest, for €10 less per month than buying them apart.
Includes
- Everything in Platform
- Everything in Cafinvest
Does not include
- Real-time quotes, data export, portfolio risk, the company screener and alerts — the same as Platform on its own