NTrust and Heartprint join forces to provide reliable data on climate risk exposure
NTrust, the global provider of AI-powered real estate data services, and Heartprint, a Munich-based sustainability and digital transformation consultancy, have joined forces to provide reliable data on buildings’ actual exposure to climate risk.
It is a response to climate change as shown by this summer’s record heatwaves, wildfires and floods, which for the real estate sector were a live stress test of every portfolio, loan book or insurance policy tied to a physical address.
The partnership’s starting premise is that the highest-value work now is getting the foundational data right, structured, and trustworthy enough for a bank, an insurer, or an investment committee to act on it.
If the underlying data about a building — its floor area, its energy systems, its certifications, its actual consumption, its climate exposure — is incomplete or inconsistent, no interface will fix that.
“The data we needed to answer those questions after this year’s fires and floods already existed,” says Rainer Karcher, CEO, Heartprint. “It was sitting in lease documents, energy bills, building certificates, and maintenance logs, scattered across different systems and departments, in formats nobody had reconciled since the last audit. That’s not a sustainability problem. That’s a plumbing problem. And it’s exactly the kind of problem you can solve without inventing a single new piece of software.”
The two companies’ capabilities are complementary. NTrust brings AI-driven extraction and processing at scale — pulling structured, verifiable data out of the lease documents, compliance certificates, and operational records that most portfolios still hold in unstructured form. Heartprint brings the regulatory and strategic layer: translating that data into the frameworks now shaping capital flows across the sector, from the EU’s Corporate Sustainability Reporting Directive to the Sustainable Finance Disclosure Regulation’s Article 8 and 9 fund classifications.
“What we’re combining isn’t two products, it’s two disciplines that the market has kept artificially separate,” says Martin Betts, VP Real Estate Services EMEA at NTrust. “Data infrastructure without strategy just produces more numbers nobody acts on. Strategy without reliable data is a slide deck. Put them together, and you get something a credit committee or an underwriter can actually rely on when the next heatwave, drought, or storm puts a portfolio back under scrutiny.”
That reliability is becoming a financial variable in its own right. Lenders are increasingly structuring loan terms and covenants around a borrower’s sustainability trajectory; insurers are repricing risk on physical exposure that used to be treated as background noise.
The partnership is pragmatic: as climate volatility becomes a permanent feature of operating a building rather than an occasional disruption, resilience stops being a virtue and becomes a basic requirement of the business model — the difference between being financeable and being uninsurable, between closing a deal and having it stall in due diligence. Sustainability is also future-readiness.
NTrust and Heartprint will be presenting the partnership together at events in London this month and at Expo Real in Munich in October.
