Autumn 2026 pilot cohort now open. Limited spots for institutional partners. Book a free demo →

● Autumn 2026 pilot now open

Spot financial distress and earnings manipulation up to 18 months early.

FinGuard AI reads financial statements the way a forensic accountant would, then shows you exactly why a company is at risk. Explainable AI, built on peer-reviewed research.

FinGuard AI · Risk monitor

Illustrative sample

Watchlist

Sample Co. A

72 · High

Sample Co. B

64 · Elevated

Sample Co. C

48 · Moderate

Sample Co. D

21 · Low

Sample Co. E

15 · Low

Sample Co. A · FY2025

Distress risk

72

High · review now

Manipulation risk

48

Moderate · monitor

Distress score · 8 quarters

Why this score

Interest coverage fell to 1.1×

High impact

Accruals 2.4× industry median

High impact

Receivable days up 38 year over year

Medium

Built on peer-reviewed research published in

Frontiers in Artificial Intelligence  ✦  Journal of Accounting Literature  ✦  International Journal of Qualitative Methods  ✦  Royal Roads University  ✦

Sound familiar?

You’re a forensic accountant or financial analyst trusted to catch risk before it’s too late — but financial distress can stay hidden until a crisis hits.

The problem

Traditional methods are manual, reactive, and slow. By the time distress is visible, the damage is done.

Your guide

FinGuard AI finds the warning signs early

FinGuard AI analyzes financial statement data using peer-reviewed machine learning models to surface early warning signals — up to 18 months before crises manifest.

Your plan

01

Upload financial statements or data.

02

Receive a Risk Score and key warning indicators.

03

Make confident decisions with explainable AI insights.

The platform

One platform for early financial risk detection

01 · Predict

Financial distress prediction

Score the likelihood of financial distress from financial statement data, so you can act months before trouble is visible.

Distress risk · Sample Co. A

72 / 100

High risk · review now

02 · Detect

Earnings manipulation detection

Flag accrual, revenue and cash-flow patterns associated with manipulated earnings, using models from our published research.

Manipulation signals · Sample Co. A

Discretionary accruals above peers

High

Revenue growing faster than cash collected

High

Unusual change in depreciation policy

Medium

Frequent auditor-flagged adjustments

Low

03 · Explain

Explainable, exportable reports

Every score comes with the ratios and disclosures behind it. Export a defensible report for your audit file, credit memo or board.

FINGUARD AI · RISK REPORT

Sample Co. A — FY2025

• Distress risk: 72 / 100 (high)

• Top driver: interest coverage 1.1×

• Source: FY2025 10-K, note 7

Export PDF

Proof

Built on evidence, not guesswork

98%

accuracy of our neural network model in a peer-reviewed study of TSX-listed firms

20 years

of NYSE and NASDAQ filings behind our models

18 months

of early warning before distress surfaces

3

peer-reviewed publications by our founders

Our mission

To make financial reporting more trustworthy by giving the people who oversee it an early, explainable warning of distress and manipulation, before investors, employees and the public pay the price.

Who it’s for

Built for the people who protect financial integrity

Auditors & accountants

Sharpen risk assessments and focus audit planning on the clients that need it most.

Risk assessment

Audit planning

Going-concern review

Forensic & financial crime analysts

Spot earnings manipulation and fraud red flags faster, with evidence you can cite.

Manipulation flags

Fraud red flags

Case evidence

Regulators, lenders & investors

Screen firms, price credit risk and monitor portfolios before problems become public.

Firm screening

Credit risk

Portfolio monitoring

Built by researchers who have investigated fraud firsthand

Dr. Sana Ramzan, DBA
Dr. Sana Ramzan, DBA

Dr. Sana Ramzan, DBA

Co-Founder & Chief Research Officer

Doctoral research at Royal Roads University on explainable AI for predicting financial distress and earnings manipulation.

Dr. Mark Lokanan, PhD
Dr. Mark Lokanan, PhD

Dr. Mark Lokanan, PhD

Co-Founder & Chief Scientific Advisor

Professor of Accounting at Royal Roads University; former fraud investigator with Ontario’s Ministry of the Attorney General.

Resources

Research and insights

Article

What is financial distress prediction, and why traditional models are no longer enough

Article

5 early warning signs of earnings manipulation in financial statements

Publication

Predicting financial distress in TSX-listed firms using machine learning algorithms

Publication

The application of machine learning to study fraud in the accounting literature

Ready to see FinGuard AI in action?

Join the Autumn 2026 pilot. Pilot partners get full platform access at no cost in exchange for feedback. Spaces are limited.