Benelux & Romania

TrustRelay Atlas is focused on the Benelux (Netherlands, Belgium, Luxembourg) and Romania. That focus is deliberate: these markets share an EU AML framework but differ in registry systems, languages, and corporate-structure norms — exactly the kind of heterogeneity a knowledge-graph, claims-based approach handles well and a one-size-fits-all data vendor handles poorly.

Why these markets

• Shared framework, local reality. All four operate under the EU AML directives and EBA guidance, but each has its own company registry, UBO register, language(s), and legal forms. Atlas's ontology and survivorship model is built to reconcile exactly these differences.
• Cross-border structures. Benelux holding structures and Romanian operating entities frequently interlink. The ownership graph is where cross-border control becomes visible.
• Underserved by global vendors. Global data aggregators cover these registries unevenly, especially for UBO depth and local-language adverse media. A focused, graph-native approach can go deeper where it matters.

Registry & data landscape

Market	Primary company registry	UBO transparency	Atlas coverage path
Netherlands	KVK (Kamer van Koophandel)	UBO register	Native KVK plugin + NorthData + OSINT
Belgium	KBO/BCE (Crossroads Bank for Enterprises)	UBO register (UBO/RUB)	NorthData + OSINT, reconciled into the ontology
Luxembourg	RCS (Registre de Commerce et des Sociétés)	RBE (Registre des bénéficiaires effectifs)	NorthData + OSINT
Romania	ONRC (Oficiul Național al Registrului Comerțului)	UBO declarations	NorthData + OSINT

Coverage via plugins, not hard-coding

Atlas reaches each market through its plugin system. NL has a dedicated KVK plugin; the others are served through NorthData and the OSINT crews, with all data reconciled into the same ontology. Adding a dedicated local-registry plugin is a documented extension, not a re-architecture.

How the architecture serves multi-market reality

Three architectural choices make the multi-market focus work:

1. Per-source mapping. Each registry's fields map declaratively into the ontology — so a Dutch kvkNummer and a Romanian registration number both become LegalEntity.registration_number with the right provenance.
2. Jurisdiction-aware survivorship. Trust weights are per-provider and can favour the authoritative local registry — e.g. KVK is trusted highest for NL postal codes. See survivorship.
3. Jurisdiction-aware UBO thresholds. The UBO calculation resolves the control threshold per jurisdiction (25% EU baseline), with stricter options for EDD.

The competitive angle

Global KYB vendors treat Benelux and Romania as cells in a worldwide coverage grid. TrustRelay treats them as the home market — deeper UBO resolution, local-language adverse media, and a graph that makes cross-border Benelux↔Romania structures legible. See competitive landscape and competitive advantage.