Data Structure
The Analysis object is a structured representation of the financial profile that was produced. It is divided into separate objects based on the analysis engine that has been used. For Z2 it consists of several sections - shown in the first table below - each of which is described in more detail in the tables thereafter.
The analysis object comes as a standalone result and although based on the information found in Account Information Transaction Data Structures it is not part of it.
Z2 Analysis object - summary
Here's a brief overview of each section within the z2 analysis object:
Section
Type
Description
TopCounterparties
Z2TopCounterparties or null
Top counterparties in the analysis, both inflow and outflow.
LowConfidenceTransactions
array of Z2ProfileEntry or null
Transactions grouped into confidence bands, for transactions the engine was less certain about. See Confidence bands.
OtherHighlightedTransactions
array of Z2ProfileEntry or null
Summary statistics of a range of transactions.
CreditQualityMetrics
array of Z2DriverEntry or null
Shows how the client's driver compares to its peers.
Z2 Analysis object - detail
Now it is time for a detailed overview of each field in the z2 analysis sections:
Z2GeneralInfo
High-level overview of the transactions in the analysis.
Field
Type
Description
StartDate
date/time
The start date of the data included in the analysis. It only contains the date part, e.g. "2025-10-15".
EndDate
date/time
The end date of the data included in the analysis. It only contains the date part, e.g. "2025-10-15".
StartBalance
decimal
A decimal value that indicates the balance on the start date.
EndBalance
decimal
A decimal value that indicates the balance on the end date.
TotalInflow
decimal
The total amount of inflows, i.e. credited amounts in the account.
TotalOutflow
decimal
The total amount of outflows, i.e. debited amounts from the account.
Z2AccountSummary
Bank account information.
Field
Type
Description
Iban
string or null
The IBAN associated with this account.
AccountName
string or null
The account name associated with this account.
AccountId
string
This is a text value but it contains a UUID, e.g. "6205b185-bbf9-4e4f-89ef-e5556b91e107".
Z2CompanyInfo
Company information on the client.
Field
Type
Description
KvkNumber
string
The Chamber of Commerce registration number.
Name
string or null
The name of the company.
Address
string or null
The address of the company.
IndustryCode
string or null
The industry code matching the company activity.
IndustryDescription
string or null
The industry description matching the industry code of the company.
LegalForm
string or null
The legal form of the company.
NumberOfEmployees
integer or null
The number of employees in the company.
StartDate
date/time or null
The date the company was started.
RegistrationDate
date/time or null
The date the company was registered.
Z2TopCounterparties
Top counterparties in the analysis, both inflow and outflow.
Both Inflow and Outflow are objects keyed by rank as a string — "0" through "4" — where "0" is the largest. Ranking is by total amount rather than by transaction count, and at most five entries appear in each. Fewer are returned when the analysis contains fewer distinct counterparties.
Field
Type
Description
Z2ProfileEntry
Summary statistics of a bucket of transactions.
Field
Type
Description
Name
string
Name of the profile entry to describe.
TransactionCount
integer or 0
Number of transactions associated with this profile entry.
TotalInflow
decimal or 0
Sum of inflows associated with this profile entry.
TotalOutflow
decimal or 0
Sum of outflows associated with this profile entry.
Categories
array of string or [ ]
The categories that are associated with this profile entry.
TransactionIds
array of string or [ ]
The transaction UUIDs that associated with this profile entry.
Confidence bands
The entries in LowConfidenceTransactions group transactions by how certain the engine was about the category it assigned. Use these bands to decide which categorizations are worth reviewing.
Name
Confidence range
Confidence <50%
Below
0.5050% <= Confidence <70%
From
0.50 up to but not including 0.7070% <= Confidence <80%
From
0.70 up to but not including 0.80info
Transactions categorized with a confidence of 0.80 or higher do not appear in any of these bands. The bands cover low confidence results only, so they are not a complete partition of the analysed transactions.
Z2DriverEntry
Shows how the client's driver compares to its peers.
Field
Type
Description
Driver
string
Information not available yet.
Value
integer or null
Information not available yet.
Percentile
decimal or null
Information not available yet.
Example
// Analysis Model
{
"id": "8f5eeb06-4aba-4b92-9ac0-d932a1cd8223",
"reference": "Client A Analysis",
"finishedAt": "2025-09-22T12:10:12.1227959",
"created": "2025-09-22T12:08:04.508916",
"accountIds": [
"7957c02d-dcf4-4c22-8d73-8666e9e8745b",
"4f7afe39-b11e-447a-ae43-cdbdedbfbfa7"
],
"appId": 1,
"engine": "Z2",
"status": "COMPLETED",
"profile": "CORPORATE",
"input": {
"consentIds": [
"fb84a3ed-812f-42fb-a5d9-d92fde641dfd"
]
},
"metadata": {
"kvk_number": "12345678"
},
"analysis": {
"generalInfo": {
"startDate": "2025-02-14T00:00:00",
"endDate": "2025-09-12T00:00:00",
"startBalance": -26253.12,
"endBalance": -52506.21,
"accounts": [
{
"iban": "NL11ENAB1234567890",
"accountName": "John Doe",
"account_uuid": "7957c02d-dcf4-4c22-8d73-8666e9e8745b"
},
{
"iban": "NL99ENAB0987654321",
"accountName": "Jane Doe",
"account_uuid": "4f7afe39-b11e-447a-ae43-cdbdedbfbfa7"
}
],
"totalInflow": 24565.28,
"totalOutflow": 50818.37
},
"companyInfo": null,
"topCounterparties": {
"inflow": {
"0": {
"name": "Origin A",
"transactionCount": 0,
"totalInflow": 19002,
"totalOutflow": 0,
"categories": [
"income.salary",
...
],
"transactionIds": [
"44668ddd-4b8e-5183-b9b4-a1a72236d0f7",
...
]
},
"1": {
"name": "Origin B",
"transactionCount": 0,
"totalInflow": 1955.87,
"totalOutflow": 0,
"categories": [
"other.other",
...
],
"transactionIds": [
"259d04ab-4d55-54b3-8feb-4c5d8033506e",
...
]
},
"2": {
"name": "Origin C",
"transactionCount": 0,
"totalInflow": 660.93,
"totalOutflow": 0,
"categories": [
"investments.crypto",
...
],
"transactionIds": [
"b0a78e89-a329-5558-a244-0071f7f4aeec",
...
]
},
"3": {
"name": "Origin D",
"transactionCount": 0,
"totalInflow": 660.93,
"totalOutflow": 0,
"categories": [
"gambling.other",
...
],
"transactionIds": [
"931e4d33-1f7b-5e75-b2cb-b1de6b00a15b",
...
]
},
"4": {
"name": "Origin E",
"transactionCount": 0,
"totalInflow": 660.93,
"totalOutflow": 0,
"categories": [
"investments.other",
...
],
"transactionIds": [
"2738ab60-c399-593a-b896-50351a0cfbcc",
...
]
}
},
"outflow": {
"0": {
"name": "Origin A",
"transactionCount": 0,
"totalInflow": 0,
"totalOutflow": 20277.1,
"categories": [
"expenses.utilities",
...
],
"transactionIds": [
"c7893e20-ee8f-5627-a974-2d86a14547da",
...
]
},
"1": {
"name": "Origin B",
"transactionCount": 0,
"totalInflow": 0,
"totalOutflow": 9187.64,
"categories": [
"housing.mortgage",
...
],
"transactionIds": [
"1c4f7228-18f3-5de9-a513-85aaee574bff",
...
]
},
"2": {
"name": "Origin C",
"transactionCount": 0,
"totalInflow": 0,
"totalOutflow": 7700,
"categories": [
"housing.rent",
...
],
"transactionIds": [
"678557ab-c7b9-5761-80b0-9ec2c1a913fb",
...
]
},
"3": {
"name": "Origin D",
"transactionCount": 0,
"totalInflow": 0,
"totalOutflow": 6650,
"categories": [
"investments.savings",
...
],
"transactionIds": [
"7ab943cb-13b1-5144-8138-e5eafb7621cb",
...
]
},
"4": {
"name": "Origin E",
"transactionCount": 0,
"totalInflow": 0,
"totalOutflow": 1925,
"categories": [
"expenses.other",
...
],
"transactionIds": [
"f9539fab-ebd6-566b-8fab-26d3e357b3aa",
...
]
}
}
},
"clientProfile": [
{
"name": "Internal transactions",
"transactionCount": 0,
"totalInflow": 0,
"totalOutflow": 0,
"categories": [
"internal.other"
],
"transactionIds": []
},
{
"name": "Car",
"transactionCount": 17,
"totalInflow": 0,
"totalOutflow": 1141.73,
"categories": [
"tax.vehicle",
"expenses.vehicle",
"insurance.vehicle"
],
"transactionIds": [
"f1949c03-26aa-52fb-adef-10887616ca3c",
...
]
},
{
"name": "Child",
"transactionCount": 3,
"totalInflow": 360.93,
"totalOutflow": 0,
"categories": [
"expenses.childcare",
"subsidy.family"
],
"transactionIds": [
"48d379af-44d4-5c8f-b41d-fc82f6effe1d",
...
]
},
{
"name": "Divorced",
"transactionCount": 12,
"totalInflow": 241.83,
"totalOutflow": 60,
"categories": [
"alimony.other"
],
"transactionIds": [
"d4eb5b31-e4b1-5307-8d35-a7a64436f81a",
...
]
},
{
"name": "Pension",
"transactionCount": 0,
"totalInflow": 0,
"totalOutflow": 0,
"categories": [
"income.pension"
],
"transactionIds": []
},
{
"name": "Unemployed",
"transactionCount": 0,
"totalInflow": 0,
"totalOutflow": 0,
"categories": [
"subsidy.unemployment"
],
"transactionIds": []
},
{
"name": "Loans",
"transactionCount": 3,
"totalInflow": 360.93,
"totalOutflow": 0,
"categories": [
"loan.student",
"loan.flash",
"loan.vehicle_lease",
"loan.other"
],
"transactionIds": [
"a6d4c19e-418b-58ad-aabb-cdf961f8fa7c",
...
]
},
{
"name": "Debt collection",
"transactionCount": 0,
"totalInflow": 0,
"totalOutflow": 0,
"categories": [
"loan.debt_collection"
],
"transactionIds": []
},
{
"name": "Salary",
"transactionCount": 6,
"totalInflow": 19002,
"totalOutflow": 0,
"categories": [
"income.salary"
],
"transactionIds": [
"44668ddd-4b8e-5183-b9b4-a1a72236d0f7",
...
]
},
{
"name": "Housing",
"transactionCount": 14,
"totalInflow": 0,
"totalOutflow": 16887.64,
"categories": [
"housing.rent",
"housing.mortgage"
],
"transactionIds": [
"1c4f7228-18f3-5de9-a513-85aaee574bff",
...
]
},
{
"name": "Other benefits",
"transactionCount": 0,
"totalInflow": 0,
"totalOutflow": 0,
"categories": [
"subsidy.health",
"subsidy.old_age",
"subsidy.social",
"subsidy.other"
],
"transactionIds": []
},
{
"name": "Fines",
"transactionCount": 0,
"totalInflow": 0,
"totalOutflow": 0,
"categories": [
"other.fines"
],
"transactionIds": []
},
{
"name": "Gambling",
"transactionCount": 3,
"totalInflow": 660.93,
"totalOutflow": 0,
"categories": [
"gambling.other"
],
"transactionIds": [
"931e4d33-1f7b-5e75-b2cb-b1de6b00a15b",
...
]
},
{
"name": "Crypto",
"transactionCount": 3,
"totalInflow": 660.93,
"totalOutflow": 0,
"categories": [
"investments.crypto"
],
"transactionIds": [
"b0a78e89-a329-5558-a244-0071f7f4aeec",
...
]
}
],
"flaggedTransactions": [
{
"name": "Reversal payments",
"transactionCount": 0,
"totalInflow": 0,
"totalOutflow": 0,
"categories": [],
"transactionIds": []
},
{
"name": "Refunds",
"transactionCount": 0,
"totalInflow": 0,
"totalOutflow": 0,
"categories": [],
"transactionIds": []
},
{
"name": "Payment arrangements",
"transactionCount": 0,
"totalInflow": 0,
"totalOutflow": 0,
"categories": [],
"transactionIds": []
}
],
"lowConfidenceTransactions": [
{
"name": "Confidence <50%",
"transactionCount": 0,
"totalInflow": 0,
"totalOutflow": 0,
"categories": [],
"transactionIds": []
},
{
"name": "50% <= Confidence <70%",
"transactionCount": 23,
"totalInflow": 2977.73,
"totalOutflow": 1925,
"categories": [
"expenses.other",
"other.other",
"investments.other",
...
],
"transactionIds": [
"f9539fab-ebd6-566b-8fab-26d3e357b3aa",
...
]
},
{
"name": "70% <= Confidence <80%",
"transactionCount": 3,
"totalInflow": 300,
"totalOutflow": 0,
"categories": [
"other.other",
...
],
"transactionIds": [
"e5baece6-e3fd-5c18-bf37-e6f4745e7385",
...
]
}
],
"otherHighlightedTransactions": [
{
"name": "Round number",
"transactionCount": 0,
"totalInflow": 0,
"totalOutflow": 0,
"categories": [],
"transactionIds": []
}
],
"creditQualityMetrics": []
}
}