Reg (EU) 2024/1689Generate dossier — €249

You already know your credit scoring system is high-risk under Annex III.5(a). You have read the EBA report, the Annex III text, the policy briefs. Now you need the Annex IV documentation. That is what AICheck generates.

The classification is settled. Annex III, point 5(a) of Regulation (EU) 2024/1689: AI systems intended to evaluate the creditworthiness of natural persons. High-risk. No ambiguity. What remains is the documentation. Article 11 requires technical documentation per Annex IV — nine blocks covering everything from system description to human oversight. AICheck structures them from your data in 45 minutes. €249 one-time payment. Browser-side processing.

Generate Annex IV dossier — €249Free: check if your system is high-risk

€249 one-time · 12-document ZIP · 45 minutes · Browser-side

Regulation (EU) 2024/1689 · Article 11 + Annex IV · 12 documents · 100% browser-side — your data never leaves your device

From classification to documentation

The classification is done. What remains is the nine-block documentation file under Article 11 and Annex IV. AICheck generates it from your system data in one session.

Settled
Annex III.5(a): credit scoring = high-risk. No ambiguity.
9 blocks
Annex IV documentation points your file must cover
96 days
Until 2 August 2026 — full obligations for Annex III systems

What AICheck does with your scoring system data

You enter your system data. AICheck structures the documentation per all nine Annex IV points.

1
Company data
Legal name, role under the Regulation (provider), fintech sector, market of deployment.
2
Article 5 check
Confirms your system does not fall under prohibited practices.
3
Annex III classification
Confirms category 5(a): creditworthiness evaluation systems.
4
Annex IV points 1–5
General description, intended purpose, hardware interaction, previous versions, dependencies.
5
Annex IV points 6–9
Training data, performance metrics, risk management, human oversight.
6
EU Declaration of Conformity
Per Article 47 and Annex V. Signable document.
7
ZIP download
12 PDF documents. Generated in your browser. No data leaves your device.

Three mistakes fintechs make after classification

COMMON MISTAKE

"I know we're high-risk, but we'll wait for the implementing acts to clarify"

Article 11 and Annex IV are directly applicable. Implementing acts under Art. 6.5 may refine Annex III categories, but the documentation requirements under Annex IV are already binding and enforceable from 2 August 2026.

COMMON MISTAKE

"Our compliance roadmap covers AI Act — documentation is phase 3"

If your roadmap places Annex IV documentation after August 2026, you are planning to be non-compliant. The 12-document dossier takes 45 minutes with AICheck. There is no reason to delay it to phase 3.

COMMON MISTAKE

"We'll hire a consultancy when the deadline is closer"

EU AI Act consultancies for fintechs quote 3–6 months lead time. If you start in June 2026, you finish after the deadline. AICheck generates the dossier today.

What the ZIP contains

12 PDF documents generated from your data. Each cites the specific article of Regulation (EU) 2024/1689 it complies with.

1

Risk Classification

Identifies your system as high-risk under Annex III and determines your role as provider. Art. 6 + Annex III.

2

Annex IV Technical Documentation

All 9 Annex IV points: description, purpose, training data, metrics, risks, human oversight. Art. 11 + Annex IV.

3

EU Declaration of Conformity

Signable document per Art. 47 and Annex V. Declares conformity with Chapter III obligations.

4

Compliance Calendar

Key dates: 2 Aug 2026 (Annex III), post-market monitoring, review deadlines. Art. 111.

5

Conformity Sheet

Executive summary of compliance status for authorities or clients.

6

Quality Management System (QMS)

QMS structure required by Art. 17 for high-risk AI system providers.

7

Deployer Instructions

Document for the entity deploying your system. Content required by Art. 13.

8

Evidence Checklist

Verifiable evidence list supporting each Annex IV point. Basis for internal audit.

9

Incident Template

Serious incident notification protocol per Art. 73.

10

AI Literacy Programme

AI training plan per Art. 4.

11

Provider–Deployer Clauses

Model contractual clauses for Chapter III responsibility allocation.

12

Risk Committee Minutes

Template for risk management committee meetings per Art. 9.

Generated from your data, in your browser. No data leaves your device.

What you pay

🧾 AI ACT CONSULTANCY — DOCUMENTATION PHASE
€5,000–€15,000
3–6 months. Starts when they have bandwidth.
✓ AICHECK
€249
12-document dossier. 45 min. Today.

Technical documentation and audit: two layers

● LAYER 1

Annex IV technical documentation

12 docs. 45 min. €249. The documentation your system needs before market placement.

∅ LAYER 2

Conformity assessment by notified body

If your scoring system falls under Art. 43.1, you may need third-party assessment. Separate process. AICheck does not replace it.

We do not sell audits. We do not sell consulting. We sell the tool that structures your documentation per Annex IV.

Enforcement regime

Article 99 of Regulation (EU) 2024/1689.

🇪🇺
Non-compliance with prohibited practices
€35M / 7%

Art. 99.3. Up to €35 million or 7% of worldwide annual turnover, whichever is higher. For SMEs: the lower of the two.

🇪🇺
Non-compliance with high-risk obligations
€15M / 3%

Art. 99.4. Includes failure to produce technical documentation per Art. 11 and Annex IV.

🇪🇺
Supply of false or incomplete information
€7.5M / 1%

Art. 99.5. Applies if submitted documentation contains incorrect or misleading data.

Alternatives

AlternativeCostWhat you get
Big Four consultancy€15,000–€50,000Enterprise programme. 6–12 months.
Boutique compliance firm€5,000–€12,0003–6 months. One system.
Internal legal teamStaff cost2–4 months if they learn Annex IV from scratch
AICheck€24912 documents, 45 min, today

Running multiple scoring models in production?

If you need documentation for 5 or more systems, email us for volume pricing: hello@solidwaretools.com.

Request Volume Pricing
One-business-day response

What AICheck guarantees and what it does not

AICheck generates a document structured under Article 11 and Annex IV of Regulation (EU) 2024/1689 based on the information you enter. The truthfulness, accuracy and completeness of that information is your responsibility as provider of the AI system.

We guarantee that the document structure follows Article 11 and Annex IV of Regulation (EU) 2024/1689 and that the legal references cited are correct as of the latest verification date. We do not guarantee that a specific document will be accepted by a market surveillance authority in a specific case, nor by a commercial buyer in a procurement process.

AICheck is not legal advice. For specific situations, consult a lawyer or specialised regulatory consultancy.

Frequently asked questions — High-risk credit scoring documentation

Is there any chance credit scoring will be reclassified before August 2026?
Annex III.5(a) is in the base Regulation. Reclassification would require an amending regulation through co-decision (Parliament + Council). The Digital Omnibus proposes delaying deadlines, not reclassifying. As of April 2026, credit scoring remains high-risk with a 2 August 2026 enforcement date.
What exactly are the nine Annex IV documentation blocks?
(1) General description and intended purpose, (2) detailed description including design specifications, (3) monitoring, functioning and control, (4) human oversight measures, (5) computational resources, (6) risk management system, (7) pre-market changes, (8) performance metrics and testing, (9) cybersecurity measures. AICheck covers all nine.
Can I start documentation now even if my system is still being developed?
Yes. Annex IV documentation should evolve with your system. AICheck allows 10 regenerations within 30 days. Document your current architecture now, regenerate when you update before go-live.
Is this a subscription?
No. One-time payment. The licence includes 30 days of editing and 10 regenerations. The downloaded PDF is yours to keep.
Can I request a refund?
Under Article 16.m of Directive (EU) 2011/83 on consumer rights, by activating the licence you give express consent for the immediate generation of the digital content and waive the 14-day withdrawal period. Refunds are accepted only for verifiable reproducible technical failures.
What if the regulation changes?
If the regulation changes during the validity of your licence, you may regenerate the document with the updated version of the generator at no additional cost.
⚠️ Important notice: AICheck is a self-assessment documentation tool, not legal advice and not a third-party audit. The document under Article 11 and Annex IV of Regulation (EU) 2024/1689 is generated from your input data. You are responsible for the accuracy of the data you provide. AICheck does not replace a qualified professional assessment.

The classification is settled. Generate the Annex IV dossier for your credit scoring system in 45 minutes.

Twelve documents. Annex IV fully structured. Regulation (EU) 2024/1689. Your data stays on your device. The ZIP you download is yours forever.

€249 one-time
12-document professional dossier · 45 minutes · No subscription · Browser-side
Generate Annex IV dossier — €249
✓ Last regulatory check: 28 April 2026 · No substantive changes detected · View history