Business-flow audit & SPI/Wipimo gap analysis

An AI-agent audit (15 parallel workstreams, three waves — see audit/ORCHESTRATION.md) inventoried every ADB business flow against a frozen 109-item French gérance-locative taxonomy (T1–T18) and benchmarked it against two competitor suites, SPI (Septeo) and Wipimo (Orisha). The output lives entirely under audit/ at the repo root: twelve code-verification pages per module (audit/business-flows/WS-A1…WS-A12), two competitor grids and a taxonomy freeze (audit/benchmark/), and the synthesis (audit/gap-analysis/). This page is a pointer and summary — it does not duplicate the analysis; read the linked sources for anything load-bearing.

At a glance

Details

What the audit found

ADB is a deep gérance-locative engine — an event-sourced 67-event double-entry ledger, a law-accurate rent/indexation lifecycle, ISO-20022 SEPA collection, and a broad open REST/OpenAPI surface neither competitor clearly matches — wrapped in an incomplete statutory-compliance shell. The four highest-stakes P0 clusters are: client-funds & accounting compliance (no bank segregation, FEC export, VAT posting, or entry attribution), lease-lifecycle statutory checks (décence, permis de louer, encadrement des loyers, deposit restitution), the statutory recovery chain (6-week clause résolutoire, CAF/guarantor notices), and charge régularisation. Most P0 fixes land in adb-accounting or adb-contracts — both change-controlled per root CLAUDE.md — so every critical-path fix needs engineer approval, and accounting changes additionally need an integration test.

Full detail, per-item legal anchors, and the suggested dependency-driven sequencing are in GAP_REPORT.md. The row-level evidence (status, evidence level E1–E5, code paths, SPI/Wipimo coverage) is in coverage-matrix.md. The twelve module-level code audits are under audit/business-flows/ (one per workstream, e.g. WS-A3-ledger-owner-accounting.md for accounting, WS-A1-lease-mandate-lifecycle.md for contracts).

Caveats carried over from the audit

• Verification depth. WS-C2 adversarial verification ran with a single refuter per claim; the audit plan specified three per P0 claim for a majority vote. Three rows were refuted and corrected (T3.6 état des lieux, T4.4 quittance de loyer, T13.2 PNO insurance — all moved from absent to partial/implemented), and T12.1 is flagged medium-confidence. Treat the P0/P1 counts as directionally right but not fully adversarially hardened.
• Competitor evidence is marketing-sourced. SPI and Wipimo grids (spi.md, wipimo.md) come from vendor pages and reviews, not spec sheets — many cells are unclear. A P1 classification means the taxonomy deems an item market-standard and at least one competitor confirms it, not that both were independently verified.
• Legal anchors are not legal advice. Taxonomy anchors (taxonomy.md) cite Légifrance/service-public sources but were compiled by an AI agent and should be reviewed by counsel before being treated as authoritative.
• Scope decisions are not gaps. Syndic de copropriété (T9/T10), transaction (T11), and location saisonnière are presented in the gap report as strategic build/no-build questions, not missing features — see GAP_REPORT §5.

Where to go from here

• Read GAP_REPORT.md end to end for the human-facing conclusions and sequencing.
• Read coverage-matrix.md for any specific taxonomy item's evidence trail.
• Cross-check any proposed adb-accounting/adb-contracts change against the relevant audit/business-flows/WS-A*.md page and the module's MODULE_OWNERSHIP.md entry before starting work.

Open questions

• No follow-up adversarial pass (3-refuter majority vote) has been scheduled; the audit plan's acceptance criterion for P0 rows is not yet fully met.
• No decision has been recorded yet on the three §5 scope questions (syndic, transaction, location saisonnière) — GAP_REPORT frames them but does not decide them.
• The audit branch (claude/business-flow-audit-* per ORCHESTRATION.md) has not been confirmed merged; verify which branch/commit this ingest reflects before citing specific evidence paths as current.