Relationship governance service

External relationship governance for European SMEs.


Varqus is a European B2B consultancy providing structured counterparty checks and transaction-driven resilience monitoring. We operate as a practical line of defence for micro and small companies with cross-border relationships.

Request engagement
Book a governance call
Scope: Up to 12M EUR turnover • Up to 50 employees • Cross-border B2B • 12-month refresh discipline.
Varqus does not conduct private investigations. We work only on lawful business relationship risk.


Compliance foundation
Fraud exposure reduction
Dependency monitoring
European scope

Service dashboard preview


Illustrative metrics showing how Varqus reports exposure and integrity signals, with clear escalation triggers.


Dependency ratio
61%
Top counterparty share of yearly inflow.

Concentration flags
3
Counterparties above 20% threshold.

High-value transfers
5
Transactions above 2000 EUR threshold.

Expiry horizon
28d
Next verification refresh due.



IBAN and name match
Refresh approaching
Mismatch detected
Resilience intelligence
Transaction behaviour is treated as governance data: dependency, inconsistency, and escalation signals.
Compliance foundation
KYB, KYS, KYC, and KYA discipline with a 12-month refresh cycle and auditable case records.




A service, not a tool

Varqus is delivered as a B2B governance service. We perform checks, interpret signals, and advise on decisions. The objective is practical protection: keeping business relationships inside risk appetite and reducing fraud exposure through disciplined verification and monitoring.

Line of defence

External risk function for SMEs, bringing institutional discipline to small organizations.

Case ownership

We open and manage KYB, KYS, KYC, and KYA cases, maintain the registry, and enforce the 12-month refresh cycle.

Decision support

We convert relationship and transaction behaviour into actionable governance signals and escalation recommendations.





Verification framework

Varqus applies four distinct disciplines. Each exists for a different governance purpose and is linked to relationship direction and operational context.

Revenue-side companies
  • KYB for customer companies of the client company.
  • Incoming payments from unknown companies trigger KYB initiation.
Operational-side companies
  • KYS for supplier companies of the client company.
  • Outgoing payments to unknown companies trigger KYS initiation.
Governance-linked individuals
  • KYC for UBO, shareholders, CEO, directors, signatories.
  • Non-HR outgoing to individuals triggers KYC and relationship purpose clarification.
Applicants and staff
  • KYA for HR contexts: applicants, payroll and employment risk controls.
  • HR or payroll flows map to KYA governance.




How it works in practice

Your team provides operational inputs. Varqus executes verification and monitoring, then reports exceptions and recommended actions.

Define scope

Client company, bank accounts, and risk appetite thresholds are defined upfront.

Provide statements

Bank statements are provided. Transactions are extracted, classified, and matched to known counterparties.

Verify and monitor

Unknown entities open KYB or KYS. Mismatches and thresholds create flags and EDD suggestions.





Clear boundaries

Varqus is strictly B2B. We do not conduct private investigations, surveillance, or services designed to target individuals or companies. We work only on lawful business relationship risk, using client-provided financial data and permitted intelligence sources for governance and compliance purposes.

Purpose limitation
Business relationship risk governance only.
Lifecycle discipline
All checks expire after 12 months from completion.
Auditability
Structured cases, flags, and event logs support defensibility.




Contact

If you operate cross-border and want disciplined relationship governance, request an engagement. We assess fit, scope, and operating cadence.

Engagement scope

Counterparty checks, transaction monitoring, concentration review, and refresh planning.

Operating cadence

Monthly, weekly, or event-driven cycles depending on risk appetite and volume.

Integration posture

Varqus operates as an external line of defence aligned with your advisors and operational tools.