This is what the people using it say.
A terminal is judged on two things: whether its numbers are true and whether it solves something. Both are here: the reviews and the checks we run on our own data.
What the people using it say, and how we check our data.
What you can verify.
Checks that run on the data before you see it, and whose results we publish even when they do not flatter us.
Checks on the data
- Every figure carries its source and its date
- And when a figure does not exist for a given security, the screen says “No data” instead of estimating it. We prefer an honest gap to an invented number: in a valuation, one figure filled in by eye propagates into everything else.
- Twenty figures corrected in the last check
- A quality control with fifteen rules reviews accounting identities, signs, ranges and composition of every financial statement before serving it. The last pass detected and corrected twenty wrong figures and left zero broken accounting identities.
- Sovereign debt is read twice
- The 54-country curve is cross-checked against a second house before publishing. Auditing the reader only proves we read correctly what the source writes, not that it is true: in a real check, the primary source published a ten-year yield off by more than two percentage points.
- Europe from 2005, from regulatory filings
- European fundamentals are not copied from an aggregator: they are built from the reports companies file with their regulators, with a gate per source that rejects whatever does not add up.
The figures in this section correspond to the latest published audit and are updated with each release. The full methodology is in How it works.
How we publish reviews
- No strings attached
- We do not pay for reviews or offer anything in exchange for a favourable one. If someone was given free access to try it, we say so.
- Criticism too
- We publish the ones pointing out gaps. A page where everyone is delighted convinces nobody, and rightly so.
- Wording polished
- We fix typos and trim for length so they read well. The date is when we received the testimonial.
Every one of them, one by one.
Published with the permission of whoever signs them.
The accuracy of the 20-year data is unmatched. Celsmar has no rival.
The three-stage DCF is the crown jewel. Easy to use and extremely precise.
Auditable data at last. If it says a ratio is X, you know exactly which balance-sheet line it comes from.
The analyst estimates are presented impeccably. Ten out of ten.
I really value that they don’t fill in made-up data. It’s the most honest terminal I’ve used.
Integrating the macro calendar with company data gives me perfect context.
Reviewing two decades of operating margins takes me five seconds.
I use the DCF model daily. Being able to adjust the terminal growth rates is a big deal.
The annualised balance sheet is perfect. No errors in the currency normalisation.
For value investing, having historical returns on invested capital at hand is vital. Celsmar hands it to you ready-made.
I compared their figures against the official regulator’s and they match to the cent.
I used to lose hours in Excel. Now I get the fundamentals ready for decisions.
Excellent way of presenting free cash flow. You see instantly whether the company burns cash.
The smart-money metric opened my eyes. Now I follow institutional flows closely.
The historical P/E and P/B ratios help you see whether you’re buying with a real margin of safety.
I love that they don’t hide off-balance-sheet debt. Everything is crystal clear.
You cannot find this level of detail on Europe without paying for a Bloomberg terminal.
The analyst projections are filtered of bias. Institutional data in its purest form.
Seeing the dividend history, the payments and the ex-dividend dates is very easy.
Simply spectacular. Blind trust in their fundamental reports.
The bull-versus-bear debate blew my mind. It’s like having two experts arguing in your living room.
Eleven AI agents working in parallel. The risk summary is pure gold.
It doesn’t hallucinate. That’s what matters most. The AI only uses the company’s real data.
The PDF reports save hours of reading. Three pages give you everything you need to know.
The chat is very fast. I ask it to explain liquidity risk and it walks me through it with current figures.
It flags balance-sheet risks a human would miss on a first read.
The AI news-sentiment analysis is incredibly accurate.
Getting a synthesis verdict after the agents debate helps me sleep at night.
Five free AI reports a month is a gift. I save them all for my favourite companies.
I asked about the impact of inflation on a REIT and the answer was technical and precise.
It’s the first financial AI that strikes me as useful rather than a text toy.
The model looks at short-term debt and warns you of default risk given current cash.
I love how the AI confronts you with your own bearish or bullish biases.
It’s like having a junior analyst who never sleeps and reads every annual report for you.
The two-round debate is great because the bearish agent can rebut the bullish one. Wonderful.
I asked for an analysis of the semiconductor sector and it correlated data from five different companies.
The reports are so good that I forward them to my financial adviser.
This is the future of retail investing. Multi-agent AI democratises financial intelligence.
They integrated AI without losing rigour. It isn’t a chatbot, it’s an analytical team.
25,000 assets. From Apple to the smallest crypto. Brutal.
The heatmap tells you in a second which sectors are pulling the market.
Monte Carlo simulation in one click. At last I can stress-test my portfolio.
The screener is a rocket. Apply ten filters and you have the list in a second.
They cover European and US markets plus crypto 24/7. I never need to leave.
The after-hours quotes are stable and have no delay.
The bond market is perfectly integrated. The yield curves are crystal clear.
I love analysing currencies and seeing the macroeconomic correlation.
For risk backtesting, the Monte Carlo simulation is very visual and intuitive.
One search box finds futures, indices, stocks and commodities.
Tracking commodities alongside mining stocks is key.
My whole portfolio is synced. The risk panel tells me if I’m overexposed to a single sector.
The charts are professional. You can draw lines and add technical indicators.
Crypto 24/7 with the same institutional indicators I use for equities. Excellent.
The watchlists are very configurable and easy to organise.
Definitely the best tool for managing the risk of a multi-asset portfolio.
€9.99 a month for the Pro plan is ridiculously cheap for what they offer.
No ads, no annoying pop-ups. A dark, professional interface.
The fact that you can start free without entering a card says a lot about their transparency.
Everything on one screen. No more jumping from Yahoo Finance to the regulator and then to Excel.
The design is beautiful. Clean typefaces and numbers that are easy to read.
Cancelling is easy, no obstacles. They’re very honest.
The loading speed is incredible. You move between tickers in milliseconds.
It’s so intuitive that my 18-year-old started using it to understand the market, with no tutorials.
Dark mode is perfect for long analysis sessions.
The financial glossary explains how each metric is calculated, step by step.
It works beautifully on the iPad. I do all my analysis from the sofa.
The FAQ answers any question, and support replies quickly and politely.
For the price of a couple of coffees you get an institutional-grade terminal.
It’s a solid product. No bugs, no server outages at the Wall Street open.
They update the platform very often. The changelog shows they never stop working.
Onboarding is superb: they explain what each tool does in four steps.
It’s elegant and functional. They don’t clutter the screen with useless information.
Completely revolutionary. They’re breaking the financial-data oligopoly.
Simply, thank you to the team for building this.
Incredible tool, I use it every day.
The best DCF on the retail market.
AI without hallucinations, finally.
Ten out of ten on design and usability.
Agents debating each other are the future.
Essential for the dividend investor.
I never thought I’d see a terminal like this for under €13.
Blazing-fast screener.
Reliable data and 20 years of history. Brilliant.
The best multi-market platform out there right now.
I love the dark mode and how clean it is.
PDF reports that look like a bank’s.
The crypto analysis with fundamentals is top notch.
No card to try it. Total transparency.
Ideal for ruling out bad investments quickly.
The live news never misses one.
I recommend it to all my economics students.
It replaced my three previous subscriptions.
It’s the perfect copilot for the market.
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Check it yourself.
The free account asks for no card. Open a company you know well and see whether the numbers match what you know.