EU Sovereignty Score
EU sovereignFintech & NeobanksHeadquarters: Netherlands

Certigo: sovereignty score and 8 European alternatives

Certigo is a cloud platform for insurance administration from Netaspect Software in Breda, the Netherlands. It supports the whole policy lifecycle: product development, quotation and acceptance, policy management, reinsurance, distribution and commission, claims registration and handling, recourse, document management and finance. Insurers and managing agents use it for a range of insurance products and administration models. Products are defined as data in a product engine, and a data interface and documented APIs expose data and integrations. It is used through the browser, with no local installation.

Netaspect Software B.V. is headquartered in Breda; no owner outside the Netherlands is named. The vendor states that the platform is built on Microsoft Azure, a service of a US group, which can be subject to the US CLOUD Act even in an EU region. The site does not say in which Azure region customer data is held, so ask about that, and about the terms for processing and access. The vendor also publishes an explainer on DORA for insurers. No self-hosted variant is mentioned; the platform is delivered as a cloud solution.

Sovereignty score
71 / 1000 = high exposure
100 = sovereign
  • Jurisdiction SOV-2100
    Headquartered in the EU: European law applies
  • Data residency SOV-3100
    EU-only hosting
  • Cryptographic key sovereignty SOV-360
    Key management with a European vendor
  • Freedom from lock-in SOV-640
    Closed source: switching requires data migration
  • Source & runtime sovereignty SOV-4 · SOV-655
    Closed source, runtime with the vendor

SOV codes: the matching objective in the European Commission's Cloud Sovereignty Framework. Official source

How the score is calculated

Facts and evidence

Last checked October 17, 2026
Headquarters
NetherlandsVerified by hand
Sovereignty model
Vendor-hosted (EU)Verified by hand
Data hosting
EUVerified by hand
Open-source
NoVerified by hand
GDPR-compliant
NoVendor-stated
Category
Type
Product
Website

How we verify · Something wrong? Suggest a correction

European alternatives to Certigo

The European alternatives to Certigo come from our knowledge base of over 9,900 vendors. We only list vendors headquartered in the EU or the EEA; fully European-owned vendors rank before vendors with a foreign owner. For each alternative you see the country, the open-source status and a short description.

Score per alternative: 0 = high exposure, 100 = sovereign

176 European Fintech & Neobanks vendors are in the catalogue. View the whole category · Submit an alternative · View category on the map

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Why digital sovereignty matters with Certigo

Certigo is headquartered in the Netherlands and therefore falls under European law: the GDPR, NIS2 and the Data Act. No foreign legislation can compel access to your data.

Data is hosted exclusively in the EU, so Certigo scores best on data residency.

Certigo is closed source and hosted by the vendor. The encryption keys and the runtime sit with the vendor and switching requires data migration. Ask about bring-your-own-key, export options and open standards.

What this means for your organisation depends on your whole stack and context. The free assessment weighs Certigo together with your other vendors and gives a total score, a heatmap and the main risk drivers.

Frequently asked questions

What is the best European alternative to Certigo?

It depends on your use case. Strong EU alternatives to Certigo include 1822direkt, ActivoBank and Air Bank. On this page you can compare 8 EU alternatives by jurisdiction, data residency and open-source status.

Are there open-source alternatives to Certigo?

Our list of EU alternatives to Certigo is mostly commercial options. Browse the category on the map for open-source choices.

Is Certigo GDPR-compliant and where is the data hosted?

Certigo is headquartered in the Netherlands (EU) and hosts data in the EU. That makes Certigo an EU-sovereign choice in its own right; the EU alternatives on this page are comparable European tools.

Details and sources

Verified by handHeadquarters, owner, hosting locations and licence have been checked by us against public sources. Free of charge and for every vendor, not a paid label. Nothing in this knowledge base is taken over automatically. Last checked on October 17, 2026.

Sources

Public sources used in the latest check of this record.

Compliance evidence

The links below point to the vendor's own public documents. We only record what we found: a missing link means "not found publicly", not "not compliant".

No public compliance evidence has been recorded for this vendor yet. Do you know its DPA or subprocessor list? Something wrong? Suggest a correction

In the changelog

Earlier changes to this page, as listed in the public changelog.

Digital sovereignty in Fintech & Neobanks

Fintech & Neobanks: Digital banks, neobanks, money transfers and fintech services. In this category the choice of vendor determines who has legal access to your data, where that data lives and how easily you can switch later.

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8 European alternatives to Certigo (GDPR)