Physical risk intelligence
Turn climate hazard into
financial decisions.
Asset-level physical risk, from hazard scoring to adaptation actions. Forward-looking, open-box, and audit-ready from day one.
Physical risk intelligence
Turn climate hazard into
financial decisions.
Asset-level physical risk, from hazard scoring to adaptation actions. Forward-looking, open-box, and audit-ready from day one.
Physical risk intelligence
Turn climate hazard into
financial decisions.
Asset-level physical risk, from hazard scoring to adaptation actions. Forward-looking, open-box, and audit-ready from day one.
Frameworks served
IFRS S2
CSRD · ESRS E1
EU Taxonomy · adaptation
TNFD
Why refinq
Asset-level. Not averages.
Not just where the risk is, but how severe it is, what to do about it, and how to prove it to an auditor.
Asset-level. Not regional averages.
refinq models more than 20 acute and chronic climate hazards at the exact GPS coordinates of your assets. Hazard intensity is combined with site-specific vulnerability scores using a geometric mean, so a risk only registers when both are present, producing a risk score from None to Very High per site.
Forward-looking across low, intermediate, and high emissions scenarios.
Every projection uses the latest peer-reviewed climate science across low, intermediate, and high emissions scenarios drawn from the CMIP6 framework, with projections to 2100. Both hazard and vulnerability must be present for a risk to register, and vulnerability is shaped by what your asset does and how it is built.
Targeted adaptation actions per site.
GaiaGuide uses an AI-enhanced methodology to recommend targeted adaptation actions for managing physical climate risk. Recommendations are tailored to the specific business activity (via NACE code) and conditions at the asset’s location, and are proposed only for assets with one or more risks assessed as High or Very High.
Open box. Audit-defensible.
Every number is traceable to source: science-grade hazard data, peer-reviewed climate projections, and documented vulnerability scores. Methods have passed Big Four audits. Two outputs from one pipeline: decisions for operators, disclosures for regulators.
Frameworks served
IFRS S2
CSRD · ESRS E1
EU Taxonomy · adaptation
TNFD
Why refinq
Asset-level. Not averages.
Not just where the risk is, but how severe it is, what to do about it, and how to prove it to an auditor.
Asset-level. Not regional averages.
refinq models more than 20 acute and chronic climate hazards at the exact GPS coordinates of your assets. Hazard intensity is combined with site-specific vulnerability scores using a geometric mean, so a risk only registers when both are present, producing a risk score from None to Very High per site.
Forward-looking across low, intermediate, and high emissions scenarios.
Every projection uses the latest peer-reviewed climate science across low, intermediate, and high emissions scenarios drawn from the CMIP6 framework, with projections to 2100. Both hazard and vulnerability must be present for a risk to register, and vulnerability is shaped by what your asset does and how it is built.
Targeted adaptation actions per site.
GaiaGuide uses an AI-enhanced methodology to recommend targeted adaptation actions for managing physical climate risk. Recommendations are tailored to the specific business activity (via NACE code) and conditions at the asset’s location, and are proposed only for assets with one or more risks assessed as High or Very High.
Open box. Audit-defensible.
Every number is traceable to source: science-grade hazard data, peer-reviewed climate projections, and documented vulnerability scores. Methods have passed Big Four audits. Two outputs from one pipeline: decisions for operators, disclosures for regulators.
Frameworks served
IFRS S2
CSRD · ESRS E1
EU Taxonomy · adaptation
TNFD
Why refinq
Asset-level. Not averages.
Not just where the risk is, but how severe it is, what to do about it, and how to prove it to an auditor.
Asset-level. Not regional averages.
refinq models more than 20 acute and chronic climate hazards at the exact GPS coordinates of your assets. Hazard intensity is combined with site-specific vulnerability scores using a geometric mean, so a risk only registers when both are present, producing a risk score from None to Very High per site.
Forward-looking across low, intermediate, and high emissions scenarios.
Every projection uses the latest peer-reviewed climate science across low, intermediate, and high emissions scenarios drawn from the CMIP6 framework, with projections to 2100. Both hazard and vulnerability must be present for a risk to register, and vulnerability is shaped by what your asset does and how it is built.
Targeted adaptation actions per site.
GaiaGuide uses an AI-enhanced methodology to recommend targeted adaptation actions for managing physical climate risk. Recommendations are tailored to the specific business activity (via NACE code) and conditions at the asset’s location, and are proposed only for assets with one or more risks assessed as High or Very High.
Open box. Audit-defensible.
Every number is traceable to source: science-grade hazard data, peer-reviewed climate projections, and documented vulnerability scores. Methods have passed Big Four audits. Two outputs from one pipeline: decisions for operators, disclosures for regulators.
What it covers
Measure, act on, and manage physical climate risk
Physical signals turned into decisions operators can act on.
Portfolio triage and site-level scoring
Map your entire asset portfolio against 20+ climate hazards. Identify hotspots, compare sites, and see which locations drive the most risk exposure across your book.
20+ acute and chronic hazard layers (flood, wildfire, heat stress, drought, wind, hail)
Hazard × Vulnerability risk scores (0–100): None to Very High
Forward-looking projections across low, intermediate, and high emissions scenarios, to 2100
High-resolution assessment at the exact GPS coordinates of your assets
Overview
Details
Reports
Industrial Zone Asset
47.071, 15.416
Risk Assessment
Hail
Very high
0.82
Water stress
High
0.66
Drought (PDSI)
Medium
0.55
Soil erosion
Medium
0.54
Landslide
Medium
0.45
Frost days
Very low
0.12
Portfolio triage and site-level scoring
Map your entire asset portfolio against 20+ climate hazards. Identify hotspots, compare sites, and see which locations drive the most risk exposure across your book.
20+ acute and chronic hazard layers (flood, wildfire, heat stress, drought, wind, hail)
Hazard × Vulnerability risk scores (0–100): None to Very High
Forward-looking projections across low, intermediate, and high emissions scenarios, to 2100
High-resolution assessment at the exact GPS coordinates of your assets
Overview
Details
Reports
Industrial Zone Asset
47.071, 15.416
Risk Assessment
Hail
Very high
0.82
Water stress
High
0.66
Drought (PDSI)
Medium
0.55
Soil erosion
Medium
0.54
Landslide
Medium
0.45
Frost days
Very low
0.12
Portfolio triage and site-level scoring
Map your entire asset portfolio against 20+ climate hazards. Identify hotspots, compare sites, and see which locations drive the most risk exposure across your book.
20+ acute and chronic hazard layers (flood, wildfire, heat stress, drought, wind, hail)
Hazard × Vulnerability risk scores (0–100): None to Very High
Forward-looking projections across low, intermediate, and high emissions scenarios, to 2100
High-resolution assessment at the exact GPS coordinates of your assets
Overview
Details
Reports
Industrial Zone Asset
47.071, 15.416
Risk Assessment
Hail
Very high
0.82
Water stress
High
0.66
Drought (PDSI)
Medium
0.55
Soil erosion
Medium
0.54
Landslide
Medium
0.45
Frost days
Very low
0.12
Vulnerability-adjusted risk scoring
Site risk is shaped by what the asset does, not just where it is. Vulnerability is assessed by business activity (NACE code), building structure, and operational characteristics, scored per hazard category from None to Very High.
Vulnerability scored per category: None to Very High (0 to 1 scale)
Business activity classification via NACE code or EU Taxonomy activity number
First-party data overrides to reflect real on-site conditions
Conservative approach (medium vulnerability) applied when detailed classification is unavailable
Overview
Details
Reports
Industrial Zone Asset
47.071, 15.416
Risk Assessment
Heat stress
High
0.70
Flood (fluvial)
High
0.70
Drought
Medium
0.50
Wildfire
Low
0.30
Wind patterns
Very low
0.10
Vulnerability-adjusted risk scoring
Site risk is shaped by what the asset does, not just where it is. Vulnerability is assessed by business activity (NACE code), building structure, and operational characteristics, scored per hazard category from None to Very High.
Vulnerability scored per category: None to Very High (0 to 1 scale)
Business activity classification via NACE code or EU Taxonomy activity number
First-party data overrides to reflect real on-site conditions
Conservative approach (medium vulnerability) applied when detailed classification is unavailable
Overview
Details
Reports
Industrial Zone Asset
47.071, 15.416
Risk Assessment
Heat stress
High
0.70
Flood (fluvial)
High
0.70
Drought
Medium
0.50
Wildfire
Low
0.30
Wind patterns
Very low
0.10
Vulnerability-adjusted risk scoring
Site risk is shaped by what the asset does, not just where it is. Vulnerability is assessed by business activity (NACE code), building structure, and operational characteristics, scored per hazard category from None to Very High.
Vulnerability scored per category: None to Very High (0 to 1 scale)
Business activity classification via NACE code or EU Taxonomy activity number
First-party data overrides to reflect real on-site conditions
Conservative approach (medium vulnerability) applied when detailed classification is unavailable
Overview
Details
Reports
Industrial Zone Asset
47.071, 15.416
Risk Assessment
Heat stress
High
0.70
Flood (fluvial)
High
0.70
Drought
Medium
0.50
Wildfire
Low
0.30
Wind patterns
Very low
0.10
Audit-ready regulatory reporting
Versioned models, methodology cards, and traceable evidence packages for every major climate disclosure standard, so your auditors can follow every assumption end-to-end.
CSRD / ESRS E1 factsheets and double materiality evidence per asset
TNFD LEAP-aligned evidence packages
EU Taxonomy adaptation criteria documentation
Export to BI tools, Excel, and PDF
Overview
Details
Reports
Industrial Zone Asset
47.071, 15.416
Risk Assessment
CSRD E1 coverage
High
100%
IFRS S2 scenarios
High
4/4
Audit trail
Very high
Full
Data provenance
High
Documented
Audit-ready regulatory reporting
Versioned models, methodology cards, and traceable evidence packages for every major climate disclosure standard, so your auditors can follow every assumption end-to-end.
CSRD / ESRS E1 factsheets and double materiality evidence per asset
TNFD LEAP-aligned evidence packages
EU Taxonomy adaptation criteria documentation
Export to BI tools, Excel, and PDF
Overview
Details
Reports
Industrial Zone Asset
47.071, 15.416
Risk Assessment
CSRD E1 coverage
High
100%
IFRS S2 scenarios
High
4/4
Audit trail
Very high
Full
Data provenance
High
Documented
Audit-ready regulatory reporting
Versioned models, methodology cards, and traceable evidence packages for every major climate disclosure standard, so your auditors can follow every assumption end-to-end.
CSRD / ESRS E1 factsheets and double materiality evidence per asset
TNFD LEAP-aligned evidence packages
EU Taxonomy adaptation criteria documentation
Export to BI tools, Excel, and PDF
Overview
Details
Reports
Industrial Zone Asset
47.071, 15.416
Risk Assessment
CSRD E1 coverage
High
100%
IFRS S2 scenarios
High
4/4
Audit trail
Very high
Full
Data provenance
High
Documented
See your own sites scored
Bring us five locations or five thousand. We’ll show you hazard scores, vulnerability, financial impact and adaptation actions, with every number traced back to source.
For banks
Run a test portfolio
