V4FinBench: Benchmarking Tabular Foundation Models, LLMs, and Standard Methods on Corporate Bankruptcy Prediction

Corporate bankruptcy prediction is a high-stakes financial task characterized by severe class imbalance and multi-horizon forecasting demands. Public datasets supporting it remain scarce and small: widely used free benchmarks contain between 6,000 and 80,000 company-year observations, while larger resources are behind subscription paywalls. To address this gap, we introduce V4FinBench, a benchmark of over one million company-year records from the Visegràd Group (V4) economies (2006-2021), with 131 financial and non-financial features, six prediction horizons, and a composite distress criterion jointly capturing solvency, profitability, and liquidity deterioration. V4FinBench is designed to support the evaluation of tabular and foundation-model methods under realistic class imbalance, with positive rates between 0.19% and 0.36%. We provide reference evaluations of standard tabular baselines, finetuned TabPFN, and QLoRA-finetuned Llama-3-8B. With imbalance-aware finetuning, TabPFN matches or exceeds gradient boosting at longer time horizons on both $F_1$-score and ROC-AUC. In contrast, Llama-3-8B trails gradient boosting on ROC-AUC at every horizon and is generally weaker on $F_1$-score, with the gap widening sharply beyond the immediate horizon. In an external evaluation on the American Bankruptcy Dataset, the V4FinBench-finetuned TabPFN checkpoint improves over vanilla TabPFN, suggesting that adaptation captures transferable financial-distress structure rather than only V4-specific patterns. V4FinBench is publicly released to support further evaluation and development of prediction methods on realistic financial data.

A Probabilistic Consensus-Driven Approach for Robust Counterfactual Explanations

Counterfactual explanations (CFEs) are essential for interpreting black-box models, yet they often become invalid when models are slightly changed. Existing methods for generating robust CFEs are often limited to specific types of models, require costly tuning, or inflexible robustness controls. We propose a novel approach that jointly models the data distribution and the space of plausible model decisions to ensure robustness to model changes. Using a probabilistic consensus over a model ensemble, we train a conditional normalizing flow that captures the data density under varying levels of classifier agreement. At inference time, a single interpretable parameter controls the robustness level; it specifies the minimum fraction of models that should agree on the target class without retraining the generative model. Our method effectively pushes CFEs toward regions that are both plausible and stable across model changes. Experimental results demonstrate that our approach achieves superior empirical robustness while also maintaining good performance across other evaluation measures.

Towards plausibility in time series counterfactual explanations

We present a new method for generating plausible counterfactual explanations for time series classification problems. The approach performs gradient-based optimization directly in the input space. To enforce plausibility, we integrate soft-DTW (dynamic time warping) alignment with $k$-nearest neighbors from the target class, which effectively encourages the generated counterfactuals to adopt a realistic temporal structure. The overall optimization objective is a multi-faceted loss function that balances key counterfactual properties. It incorporates losses for validity, sparsity, and proximity, alongside the novel soft-DTW-based plausibility component. We conduct an evaluation of our method against several strong reference approaches, measuring the key properties of the generated counterfactuals across multiple dimensions. The results demonstrate that our method achieves competitive performance in validity while significantly outperforming existing approaches in distributional alignment with the target class, indicating superior temporal realism. Furthermore, a qualitative analysis highlights the critical limitations of existing methods in preserving realistic temporal structure. This work shows that the proposed method consistently generates counterfactual explanations for time series classifiers that are not only valid but also highly plausible and consistent with temporal patterns.

CounterFlowNet: From Minimal Changes to Meaningful Counterfactual Explanations

Counterfactual explanations (CFs) provide human-interpretable insights into model's predictions by identifying minimal changes to input features that would alter the model's output. However, existing methods struggle to generate multiple high-quality explanations that (1) affect only a small portion of the features, (2) can be applied to tabular data with heterogeneous features, and (3) are consistent with the user-defined constraints. We propose CounterFlowNet, a generative approach that formulates CF generation as sequential feature modification using conditional Generative Flow Networks (GFlowNet). CounterFlowNet is trained to sample CFs proportionally to a user-specified reward function that can encode key CF desiderata: validity, sparsity, proximity and plausibility, encouraging high-quality explanations. The sequential formulation yields highly sparse edits, while a unified action space seamlessly supports continuous and categorical features. Moreover, actionability constraints, such as immutability and monotonicity of features, can be enforced at inference time via action masking, without retraining. Experiments on eight datasets under two evaluation protocols demonstrate that CounterFlowNet achieves superior trade-offs between validity, sparsity, plausibility, and diversity with full satisfaction of the given constraints.

Reducing Estimation Uncertainty Using Normalizing Flows and Stratification

Estimating the expectation of a real-valued function of a random variable from sample data is a critical aspect of statistical analysis, with far-reaching implications in various applications. Current methodologies typically assume (semi-)parametric distributions such as Gaussian or mixed Gaussian, leading to significant estimation uncertainty if these assumptions do not hold. We propose a flow-based model, integrated with stratified sampling, that leverages a parametrized neural network to offer greater flexibility in modeling unknown data distributions, thereby mitigating this limitation. Our model shows a marked reduction in estimation uncertainty across multiple datasets, including high-dimensional (30 and 128) ones, outperforming crude Monte Carlo estimators and Gaussian mixture models. Reproducible code is available at https://github.com/rnoxy/flowstrat.

VIGIL: Tackling Hallucination Detection in Image Recontextualization

We introduce VIGIL (Visual Inconsistency & Generative In-context Lucidity), the first benchmark dataset and framework providing a fine-grained categorization of hallucinations in the multimodal image recontextualization task for large multimodal models (LMMs). While existing research often treats hallucinations as a uniform issue, our work addresses a significant gap in multimodal evaluation by decomposing these errors into five categories: pasted object hallucinations, background hallucinations, object omission, positional & logical inconsistencies, and physical law violations. To address these complexities, we propose a multi-stage detection pipeline. Our architecture processes recontextualized images through a series of specialized steps targeting object-level fidelity, background consistency, and omission detection, leveraging a coordinated ensemble of open-source models, whose effectiveness is demonstrated through extensive experimental evaluations. Our approach enables a deeper understanding of where the models fail with an explanation; thus, we fill a gap in the field, as no prior methods offer such categorization and decomposition for this task. To promote transparency and further exploration, we openly release VIGIL, along with the detection pipeline and benchmark code, through our GitHub repository: https://github.com/mlubneuskaya/vigil and Data repository: https://huggingface.co/datasets/joannaww/VIGIL.

From Unlearning to UNBRANDING: A Benchmark for Trademark-Safe Text-to-Image Generation

The rapid progress of text-to-image diffusion models raises significant concerns regarding the unauthorized reproduction of trademarked content. While prior work targets general concepts (e.g., styles, celebrities), it fails to address specific brand identifiers. Crucially, we note that brand recognition is multi-dimensional, extending beyond explicit logos to encompass distinctive structural features (e.g., a car's front grille). To tackle this, we introduce unbranding, a novel task for the fine-grained removal of both trademarks and subtle structural brand features, while preserving semantic coherence. To facilitate research, we construct a comprehensive benchmark dataset. Recognizing that existing brand detectors are limited to logos and fail to capture abstract trade dress (e.g., the shape of a Coca-Cola bottle), we introduce a novel evaluation metric based on Vision Language Models (VLMs). This VLM-based metric uses a question-answering framework to probe images for both explicit logos and implicit, holistic brand characteristics. Furthermore, we observe that as model fidelity increases, with newer systems (SDXL, FLUX) synthesizing brand identifiers more readily than older models (Stable Diffusion), the urgency of the unbranding challenge is starkly highlighted. Our results, validated by our VLM metric, confirm unbranding is a distinct, practically relevant problem requiring specialized techniques. Project Page: https://gmum.github.io/UNBRANDING/.

DiCoFlex: Model-agnostic diverse counterfactuals with flexible control

Counterfactual explanations play a pivotal role in explainable artificial intelligence (XAI) by offering intuitive, human-understandable alternatives that elucidate machine learning model decisions. Despite their significance, existing methods for generating counterfactuals often require constant access to the predictive model, involve computationally intensive optimization for each instance and lack the flexibility to adapt to new user-defined constraints without retraining. In this paper, we propose DiCoFlex, a novel model-agnostic, conditional generative framework that produces multiple diverse counterfactuals in a single forward pass. Leveraging conditional normalizing flows trained solely on labeled data, DiCoFlex addresses key limitations by enabling real-time user-driven customization of constraints such as sparsity and actionability at inference time. Extensive experiments on standard benchmark datasets show that DiCoFlex outperforms existing methods in terms of validity, diversity, proximity, and constraint adherence, making it a practical and scalable solution for counterfactual generation in sensitive decision-making domains.

SupResDiffGAN a new approach for the Super-Resolution task

In this work, we present SupResDiffGAN, a novel hybrid architecture that combines the strengths of Generative Adversarial Networks (GANs) and diffusion models for super-resolution tasks. By leveraging latent space representations and reducing the number of diffusion steps, SupResDiffGAN achieves significantly faster inference times than other diffusion-based super-resolution models while maintaining competitive perceptual quality. To prevent discriminator overfitting, we propose adaptive noise corruption, ensuring a stable balance between the generator and the discriminator during training. Extensive experiments on benchmark datasets show that our approach outperforms traditional diffusion models such as SR3 and I$^2$SB in efficiency and image quality. This work bridges the performance gap between diffusion- and GAN-based methods, laying the foundation for real-time applications of diffusion models in high-resolution image generation.

Neural Surface Priors for Editable Gaussian Splatting

In computer graphics, there is a need to recover easily modifiable representations of 3D geometry and appearance from image data. We introduce a novel method for this task using 3D Gaussian Splatting, which enables intuitive scene editing through mesh adjustments. Starting with input images and camera poses, we reconstruct the underlying geometry using a neural Signed Distance Field and extract a high-quality mesh. Our model then estimates a set of Gaussians, where each component is flat, and the opacity is conditioned on the recovered neural surface. To facilitate editing, we produce a proxy representation that encodes information about the Gaussians' shape and position. Unlike other methods, our pipeline allows modifications applied to the extracted mesh to be propagated to the proxy representation, from which we recover the updated parameters of the Gaussians. This effectively transfers the mesh edits back to the recovered appearance representation. By leveraging mesh-guided transformations, our approach simplifies 3D scene editing and offers improvements over existing methods in terms of usability and visual fidelity of edits. The complete source code for this project can be accessed at \url{https://github.com/WJakubowska/NeuralSurfacePriors}