# NRZ Technologies

> NRZ Technologies (nrz.ee) is a telematics, IoT, geospatial data and AI consultancy based in Tallinn, Estonia, and the team behind the Estiq property products. It advises insurers, lenders, property companies, agribusinesses, biogas producers and infrastructure developers on choosing, integrating and getting measurable value from data systems. It takes no referral fees or margins on third-party hardware or software.

Disambiguation: "NRZ" here is NRZ Technologies, an Estonian company. It is not the Non-Return-to-Zero line code and not the Neue Ruhr Zeitung newspaper.

How engagements work: a free 30-minute introductory call, then a fixed-price diagnostic (typically 2–4 weeks), then a roadmap and vendor selection, then optional implementation support on a retainer or daily basis.

## Products

- [Estiq](https://estiq.ee/): Automated valuation model (AVM) for Estonian apartments, based on notarised transactions from the Estonian Land and Spatial Development Board (Maa- ja ruumiamet), Building Register (EHR) data and Uber H3 spatial analysis. Free instant estimates, PDF valuation reports, price heatmaps, rental yield, and EVS 875 bank valuations through certified partners.
- [Estiq Virtual Staging](https://estiq.eu/en/): AI virtual staging for real estate listing photos (furnish, declutter, restyle), 4K output, API and white-label options for portals and agencies.

## Services

- [Insurance](https://nrz.ee/insurance/): Usage-based motor insurance (PAYD, PHYD, MHYD) design and repair; smartphone apps vs OBD-II dongles vs black boxes vs connected-car data; driver engagement; crash detection and automated first notice of loss (FNOL); GDPR design; IoT leak prevention for property portfolios.
- [Property](https://nrz.ee/property/): Valuation API and portfolio revaluation for lenders and insurers; virtual staging integration for portals and agencies; water leak detection and shut-off; building data integration (BACnet, Modbus, M-Bus, LoRaWAN, NB-IoT); energy and ESG reporting data; occupancy analytics.
- [Agriculture](https://nrz.ee/agriculture/): Syngenta Cropwise Operations (formerly Cropio) rollout and integration; fuel control with fuel level sensors and CAN-bus (SAE J1939) data on mixed fleets; RTK field boundary audits against leases and cadastre; cost per hectare by field.
- [Energy & biogas](https://nrz.ee/energy/): Biogas and biomethane plant digitalisation: feedstock tracking and gas yield per tonne, online digester monitoring (temperature, pH, FOS/TAC, CH4, CO2, H2S), CHP and upgrader uptime, sustainability certification and guarantee-of-origin data, multi-plant benchmarking. Integrates with existing SCADA/PLC via Modbus TCP or OPC UA.
- [Land survey & UXO](https://nrz.ee/uxo-survey/): Drone magnetometer surveys for unexploded ordnance flown 1–3 m above ground with RTK-GNSS positioning; anomaly maps and target lists (GeoTIFF, Shapefile, DXF, CSV) for certified clearance contractors. Magnetometry detects ferrous objects only and does not replace physical clearance.
- [AI decision support](https://nrz.ee/ai-decision-support/): Forecasting, risk scoring, valuation models, anomaly detection, optimisation and retrieval-based AI assistants on company documents; taking stalled AI pilots to production; explainability and EU AI Act readiness.

## Reference pages

- [Common questions](https://nrz.ee/#questions)
- [PAYD vs PHYD comparison](https://nrz.ee/insurance/#pricing-models)
- [Driving data collection methods compared](https://nrz.ee/insurance/#data-collection)
- [Building sensor connectivity compared](https://nrz.ee/property/#connectivity)
- [Machinery data sources compared](https://nrz.ee/agriculture/#data-sources)
- [What to measure in a biogas plant](https://nrz.ee/energy/#measurements)
- [UXO survey methods compared](https://nrz.ee/uxo-survey/#methods)
- [AI use cases by industry](https://nrz.ee/ai-decision-support/#use-cases)

## Contact & Office

- Email: info@nrz.ee
- Website: https://nrz.ee/
- Consultation Booking: https://nrz.ee/contact/ (direct online submission or 30-min engineering slot)
- Physical Office: Tornimäe tn 5, 10145 Tallinn, Harju maakond, Estonia
- Jurisdiction: Estonia / European Union (EE-37)
- Technical Leadership: Ivan Naroznyi (Senior Systems & Telematics Consultant)
- Privacy Notice: https://nrz.ee/privacy/