Tenant screening in Portugal: solvency and anti-fraud checks
Applications, the Tenant Passport and the Aluseg Verification read the documents, cross-check the figures and return a verifiable report on solvency and authenticity.
- Solvency Score and Trust Index 0–100
- 1 free check per year
- Verifiable report with QR code
The essentials
Two indicators and a verdict
The process has three parts: applications linked to a property, the Tenant Passport the applicant fills in once, and the Aluseg Verification of solvency and anti-fraud.
Financial Solvency Score
Combines effort rate (40%), income stability (20%), employment contract type (15%), payslips vs. IRS consistency (10%), indebtedness (10%) and job tenure (5%). A missing data point never penalises the applicant: its weight is redistributed.
Trust & Authenticity Index
The result of anti-fraud checks on the documents. A critical anomaly caps the index at 25 and sets the verdict to high risk, whatever the solvency.
Effort rate above 35%
The effort rate carries 40% of the score; the report flags anything above 35% and tests combined coverage with the guarantor, with an NRAU stress test two years ahead.
Final verdict
Recommended, Approvable with conditions or High risk — informative indicators, not a payment guarantee.
How it works
From application to decision in four steps
- 1
Create an application
In Applications › New application, pick the property and click Create invitation. The secure link is shown only once; send it to the applicant.
- 2
The applicant shares their Passport
With explicit consent for that application, they share their Tenant Passport (called Aluseg Dossier in the app) and upload identity document, proof of income, proof of address and employment details.
- 3
Review and verify
Each document is Missing, Uploaded, Approved or To correct. Then Start free verification checks that the documents are in order; once everything conforms, use an included credit or unlock the analysis (usually 1 to 3 minutes).
- 4
Decide
Accept and prepare tenant (only after all documents are approved) creates the tenant in your account, ready for the lease; Refuse starts automatic data minimisation after 30 days.
Anti-fraud checks
What is analysed in the documents
To estimate the effort rate before you receive any documents, use the free tenant solvency calculator.
Metadata and editing
File metadata (author, producer, dates) and traces of editing or recompression.
Tax documents
ATCUD and QR code on Portuguese tax documents; authenticity of the IRS return via its validation key.
Cross-checking income
Cross-checking income between documents, and payslip sequence and numbering.
Identity consistency
Name, NIF, NISS, IBAN and validity of the ID document.
Other signals
Existence and activity of the employer, reuse of documents across applications, and currency conversion of foreign income.
Tenant Passport
Free for applicants, shared with consent
The Tenant Passport is free for applicants: identity, income, employment and documents, filled in once and shared by link. Applicants can create one at app.aluseg.com.
The applicant decides, landlord by landlord, who can open the documents, and every access is logged. They can also ask a previous landlord to confirm three facts: rent paid on time, property left in good condition, deposit returned.
Plans
What is included in each plan
| Feature | Free | Essential | Expert | Pro |
|---|---|---|---|---|
| Applications and Tenant Passport | Yes | Yes | Yes | Yes |
| Free document conformity check | Yes | Yes | Yes | Yes |
| Solvency and anti-fraud checks included per year | 1 | 2 | 4 | Same as Expert |
| Price per additional check | €9 | €6 | €4 | Same as Expert |
| Properties | 1 | Up to 5 | Up to 20 | Up to 25, 100 or 500 leases |
| Plan price | €0 | €7/month or €60/year, VAT included | €25/month or €199/year, VAT included | From €29/month + VAT |
Full details on the pricing page and in the Aluseg fact sheet. See all features and our guide on how to choose the right tenant.
Frequently asked questions
Tenant screening with Aluseg
What is the effort rate and which threshold does Aluseg use?
It is the share of the applicant's net income taken up by the rent. It is the heaviest component of the score (40 out of 100), and the report flags it when it exceeds 35%.
Which documents does the applicant need to send?
An identity document, proof of income, proof of address and employment details. Payslips, the IRS return and the Banco de Portugal credit liability map make the analysis more complete.
How many checks are included in the free plan?
One per calendar year. Essential includes 2 per year and Expert 4. After that, each additional check costs 9 euros on Free, 6 euros on Essential and 4 euros on Expert.
Does Aluseg guarantee the tenant will pay?
No. The Aluseg Verification provides informative indicators on solvency and document authenticity; it is not rent insurance or a payment guarantee.
Can foreign applicants be screened?
Yes. Applicants can use a passport or residence permit as ID, and the checks include currency conversion and origin of foreign income. The app is available in Portuguese and English.
For information only; not legal advice. Last reviewed: 27 September 2026.
Know who will live in your property before you sign
Applications, Tenant Passport and one solvency check included per year, even on the Free plan. No card, ready in minutes, available in English.
Create a free accountNeed more context?
See all the facts about Aluseg