Immotecto: the rental portal where tenants arrive with a complete file

The time wasted sorting through dozens of incomplete applications is over. Immotecto is a rental listing portal built around a simple idea: the tenant arrives with their file already compiled, structured and verified, ready to be reviewed in seconds. Landlords and agencies no longer chase missing documents—they select based on observable, documented reliability.

Why is the traditional tenant selection process broken?

Ask yourself: how many applications have you received for your last rental property without attachments, with illegible files or unverifiable information? The rental market resembles a job interview: the candidate who presents best isn't always the most reliable. And the competition is real.

According to the LocService Observatory (2025), the French market recorded an average of 4.69 candidates per rental listing, the first decline in rental pressure since 2019, but this calm remains fragile and uneven across cities. In Belgium, according to Immoweb (2024), the pressure is even stronger: 34 candidates on average for a single available property.

Faced with this pressure, some candidates succumb to the temptation to falsify their file. According to a FLASHS study for Zelok conducted in June 2025 among 2,000 French people, 26% of tenants admit to having already provided inaccurate information, and 48% say they are ready to falsify their file. On the landlord side, 58% report having already detected or suspected a fraudulent file (same source). The direct consequence: according to Imodirect (2025), the rate of unpaid rent reaches 5.33% for properties managed by private landlords, compared to 1.97% for professionals.

The structural problem is not bad faith: it's the absence of a reliable way to distinguish a punctual tenant from a high-risk tenant, without falling back on discriminatory status criteria.

How Immotecto changes the game: the tenant proves their reliability, on their own initiative

Immotecto reverses the usual process. It's not the landlord or agency that "investigates": it's the tenant who builds their file once, integrates their real payment history, and chooses what to share, section by section.

This file is built through three complementary tools, all at €0 for the tenant:

1. TectoDossier: the tenant's complete file—identity, employment situation, housing history, references and guarantors, search criteria. Completed once, reusable for all applications. Documents are encrypted (AES-256); authorised administrators can access them when necessary, within a restricted and traced framework.

2. Tecto Score: a rental reliability score calculated exclusively from actually observed rent payments—did they pay their rent, on the expected date? We never analyse income, expenses, balance, contract type, nationality, age or gender. The score is presented in labels (Excellent, Very Good, Good, Fair, Needs Improvement) on a scale of 0 to 100, enriched with loyalty tiers rewarding the history's seniority. It is fed by three cumulative channels: Open Banking (PSD2, read-only, initiated by the tenant and revocable), bank statement import (PDF/CSV), or bank screenshot—the latter two verified by AI concordance analysis. The score is updated monthly. A first-time tenant variant exists for candidates without history.

3. TectoPass: the certified PDF passport, instantly viewable via QR code or number. It contains the Tecto Score, validated documents, guarantors and punctuality history. The tenant shares this pass with whoever they choose, including outside the platform. To view and verify a TectoPass, the professional must create an Immotecto account at €0 (registration required), which includes 10 total consultations; paid plans exist beyond that.

The Tecto Score is not the sole selection criterion: it informs the decision, it doesn't replace it. The tenant has a right to explanation, challenge and human review (Art. 22 GDPR).

How does viewing a TectoPass work in practice?

The tenant generates their TectoPass (validity: 40 days, renewable for 3 months) and shares it with the landlord or agency, by email, message, or directly during a viewing. The professional scans the QR code or enters the number from their Immotecto account. Within seconds, they access only what the tenant has agreed to share: no more, no less.

Document concordance analysis is performed by AI (Claude Vision) and returns a status of compliant, attention or alert—this check is not an absolute guarantee of authenticity, but an objective signal of inconsistency. For agencies, the Tecto Annuaire (Premium plans) even allows reversing the process: directly search for already-verified tenants, without waiting for applications.

What are the prices for landlords and agencies?

Immotecto is 100% free for tenants, without subscription. Monetisation is entirely B2B.

For landlords (incl. VAT):

1. €0 account: dashboard, unlimited draft listings, 10 TectoPass consultations total
2. Essential, €59.99 (one-time payment): 1 listing, 20 photos, 2 months' distribution, 3 TectoPass consultations
3. Additional listing, €29.99 (one-time payment): +1 listing, 20 photos, 2 months
4. Monthly management, €34.99/month: 5 simultaneous listings, Tecto Annuaire access, 20 TectoPass consultations/month
5. Annual management, €349.90/year: same offer, 2 months free (approximately €29.16/month)

For agencies (excl. VAT):

1. €0 account: dashboard, unlimited drafts, 10 TectoPass consultations total, messaging
2. Access, €99/month or €990/year: TectoPass consultation only, 100 consultations/month
3. Starter, €399/month or €3,990/year: Access + distribution (50 simultaneous listings, 30 photos, 3 months), 250 consultations/month
4. Premium, €699/month or €6,990/year: Starter + Tecto Annuaire (200 listings, 500 consultations/month)
5. Additional member, €19.99/month per added member

Internal messaging is included in all plans to manage applications without leaving the platform.

Is Immotecto available outside Belgium and France?

Immotecto is currently active in Belgium, France, Luxembourg, the Netherlands, Germany, Spain and Portugal, with an interface available in French, English, Dutch, German, Spanish and Portuguese. Priority development focuses on Belgium, then France.

Conclusion: less wasted time, more trust for everyone

The rental crisis is already here. It's not tomorrow that it will break out: it's today, in every viewing where a landlord receives fifteen incomplete files and must choose blindly. Immotecto doesn't choose on behalf of the landlord, but we give them a reliable reference point, built on what really matters: did this tenant pay their rent, on time, over time?

For the honest but precarious tenant—on fixed-term contracts, self-employed or without family guarantors—the TectoPass is a chance to prove what no payslip can prove: their real reliability. Discover how it works or check out our pricing.

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FAQ

What is the Tecto Score and how is it calculated?

The Tecto Score is a rental reliability score calculated exclusively from actually observed rent payments: did the tenant pay, on the expected date? We never analyse income, savings, employment status, nationality or age. It is presented from 0 to 100 in labels (Excellent, Very Good, Good, Fair, Needs Improvement) and updated monthly.

Does the tenant have to pay to use Immotecto?

No. Access to the platform, building the TectoDossier, the Tecto Score, generating the TectoPass, document concordance verification and messaging are all at €0 for the tenant, without subscription.

Can the landlord or agency see the tenant's entire file?

No. The professional only sees what the tenant has chosen to share, section by section. To view a TectoPass, they must create an Immotecto account at €0 (registration required), which includes 10 total consultations; paid plans exist beyond that.

In which countries is Immotecto available?

Immotecto is active in Belgium, France, Luxembourg, the Netherlands, Germany, Spain and Portugal, in six languages (FR, EN, NL, DE, ES, PT). Priority rollout focuses on Belgium and France.

Is the Tecto Score sufficient to select a tenant?

No, and it's intentional. The Tecto Score is one reliability indicator among other criteria. It is never presented as the sole decision factor. The tenant has a right to explanation, challenge and human review (Art. 22 GDPR).

Sources

• Observatory of the French private rental market 2025, rental pressure 4.69 candidates on average, LocService Observatory, 2025, report
• FLASHS study for Zelok, 26% of tenants admit to having provided inaccurate information, 48% ready to falsify (2,000 French people, June 2025), FLASHS / Zelok, 2025, study
• Rental crisis in Île-de-France: 24% of files contain at least one fraudulent element (compared to 20% in 2024), 16% in the provinces, Imodirect, 2026, report
• Unpaid rent rate 1.97% (professionals) vs 5.33% (private landlords), Imodirect, 2025, report
• Immoweb Barometer 2024, 34 candidates on average per available property in Belgium, Immoweb, 2024, report