Academic expertise. Proprietary technology. Real impact.
From research to business:
we transform data into value
for banks, businesses, public and private entities
Our mission is to empower people to make better decisions
based on data.
We do this through strategic training programmes, tailored financial advice and intelligent fintech platforms.
Choose where to start:
Discover our tech platforms
Request a consultation
Design a training programme
We are a university spin-off. Solid in our roots, ambitious in our vision.
110 Laude was founded in 2021 as an academic spin-off of the University of Molise.
We bring excellence in financial research to the real world, transforming it into solutions, services and tools that help businesses, banks and institutions make more informed decisions.
We are an innovative start-up led by a multidisciplinary team: we combine academic expertise, consulting experience and technological capabilities to build advanced fintech products, high-value services and tailor-made training courses.
Our link with the university is not just symbolic: it is the starting point for our scientific, independent and impact-oriented approach.
Our Team:
Michele Modina
Chief Executive Officer
Full professor of Economics and Business Management at the University of Molise. Management consultant for companies, banks and private and public institutions in the field of strategy and corporate finance, he is a business angel and founder of several initiatives.
Carmine Di Florio
Chief Operating Officer (COO)
Graduated with honours in Management, Entrepreneurship and Innovation, he is dedicated full-time to the operational management of 110 Laude, overseeing organisation, process optimisation and team coordination.
Nicola Branca
Chief Product Officer (CPO)
Front-end developer with experience in creating scalable web and mobile applications. Specialising in Flutter and UX/UI design, he develops high-performance digital solutions focused on the user experience.
Gabriel Lima
Chief Technology Officer (CTO)
Developer with solid experience in fintech projects, specialising in back-end development and the implementation of robust and scalable architectures.
Ferdinando La Posta
Strategic Advisor
Former co-founder and CEO of Gatelab, a fintech company listed on the LSE and Euronext, with extensive experience in the technology and financial markets sectors.
Tech products
Fintech platforms for reading the numbers and making effective decisions.
We believe that accessing and intelligently interpreting company data should be simple, immediate and strategic.
That is why we are developing a suite of proprietary fintech tools designed for banks, businesses and consultants: solutions that transform data into clear, understandable and useful insights for better decision-making.
Our goal is to build a modular and integrated ecosystem capable of supporting every stage of the corporate decision-making process: from financial diagnosis to risk management, from business valuation to market and partner analysis.
The first step in this journey is FINVISION, the platform that makes your company’s and your competitors’ figures readable and comparable, starting simply from your VAT number.
Value
at a glance
Consulting
strategic and financial for business, banks and institution
We work alongside companies, banks and public bodies to interpret figures, plan for the future and make more informed decisions.
Since 2021, we have supported over 100 organisations with an approach based on rigorous analysis, proprietary tools and expertise rooted in scientific research.
Our consulting services transform company data into clear insights in areas such as strategy, finance, investment and credit risk.
Areas of intervention:
Financial statement analysis & company scoring
Assessment of the economic and financial health and bankability of SMEs and large enterprises.
Economic and financial planning
We develop sustainable plans for growth, consolidation, or access to credit.
Business planning & startup advisory
Strategic support for expanding businesses, start-ups and participation in tenders or rounds.
Central Credit Register Analysis
Strategic support for expanding businesses, start-ups and participation in tenders or rounds.
Investment Evaluation
Analysis of business projects using advanced models (DCF, ROI, sustainability).
Consultancy case study:
Training
Custom-built for decision-makers
We support banks, businesses and institutions with training programmes designed to strengthen the strategic, economic, financial and analytical skills of their teams.
Each intervention stems from an analysis of training needs and is designed to generate immediate impact on operational activities, decision-making processes and risk management.
Our training combines academic rigour, consulting experience and advanced fintech tools such as FINVISION.
We do not offer standard courses, but rather customised, scalable and measurable training programmes.
Topics covered:
Financial statement analysis and creditworthiness
Training course dedicated to analysing the latest company financial statements in order to provide an accurate analysis of the company’s assets, income and financial situation, highlighting its strengths and weaknesses. Assessment of the company’s creditworthiness by assigning a score.
- Reclassification of financial statements and preparation of the cash flow statement.
- Calculation of financial statement indices and figures.
- Calculation of the company’s score (using proprietary models).
- Verification of compliance with the basic financial statement requirements for access to the Central Guarantee Fund guarantee.
- Calculation of certain indicators based on the Net Financial Position (NFP) that summarise the company’s financial sustainability.
Economic and financial planning
Training course dedicated to drawing up a financial plan aimed at different types of objectives: prospective economic and financial analysis, verification of the sustainability of corporate strategies, communication to partners/shareholders and stakeholders (banks and other lenders, institutions, etc.), debt consolidation and sustainability, identification of the most suitable sources of financing to meet the company’s needs.
- Reclassification of financial statements and preparation of financial reports
- Calculation of Indices and Balance Sheet Figures
- Scoring calculation (proprietary)
Reading of the Central Credit Register
Training course dedicated to correctly interpreting the Bank of Italy’s Central Credit Register: monitoring of all amounts granted and used on each credit line, any negative reports, such as overdrafts, or incorrect reports in order to immediately identify the reporting banks.
Investment evaluation
Training course dedicated to the evaluation of the various investment projects that a company may undertake in the course of its business. Definition of the expected income and cash flows of the investment project through the compilation of comprehensive plans analysed using the Discounted Cash Flow method, which returns valuation indices based on the discounting of operating cash flows.
Business planning
Training course dedicated to entrepreneurs and aspiring entrepreneurs to identify and evaluate real business opportunities in relation to the target market. The course provides tools and methodologies for:
- Prepare for participation in start-up competitions or presentations to investors;
- Developing growth strategies for established businesses;
- Develop effective projects and applications for public tenders.
Method of delivery:
We offer face-to-face, live remote or asynchronous digital training, tailored to your needs and accessible at any time. When necessary, we integrate multiple modes into a single hybrid, flexible and scalable experience, perfectly adaptable to the schedules and roles of those involved.
Training case study:
Our Magazine
Banca del Veneto Centrale and BCC dell’Oglio e del Serio choose Finvision
In early October, the 110 Laude team met with the General Management and Corporate Managers of BVR Banca Veneto Centrale in Vicenza and, subsequently, with the Commercial Management and Corporate Managers of BCC dell’Oglio e del Serio in Bergamo.
110 Laude, an academic spin-off of the University of Molise, has been selected as one of the 18 finalists for the Italian Master Startup Award (IMSA) 2025.
On 1st October 2025, at the I3P incubator in Turin, the 110 Laude team will present its vision and projects currently under development to a jury composed of investors, experts and professionals in the sector.
Advanced course in financial statement analysis at BCC Flumeri with Prof. Modina
Two engaging days, which saw active participation and great feedback from the bank’s professionals, with a focus on tools and methodologies for effectively interpreting company figures.
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110 Laude srl
Via Francesco De Sanctis, 86100 Campobasso (CB)
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