What Evergreen GmbH does

Evergreen GmbH is a Leipzig-based digital wealth manager operating under a BaFin-supervised securities institute license (§ 15 WpIG) since its founding in 2018–2019. The company offers sustainable investment products to German retail consumers, employers, and B2B partners through a digital platform accessible via web, iOS, and Android applications. Its proprietary fund family — Evergreen Sustainable World Stocks, Evergreen Sustainable World Bonds, and the Evergreen Stable World Fund — is classified under SFDR Article 8 or 9, and the company also manages the Tomorrow Fund in collaboration with Tomorrow GmbH. Evergreen differentiates through a four-tier sustainability screening process and a proprietary Passive Dynamic Investing (PDI) approach that dynamically reallocates between equities, bonds, and cash based on market conditions. Product breadth spans short-term savings (ZinsPocket, ZinsPocket Plus), long-term wealth building (Vermögensaufbau), employer-backed savings (VL-Sparen, Betriebsrente), a children's depot (Kinderdepot), and the Altersvorsorgedepot announced for 2027 under German retirement reform.

Revenue is generated primarily through a 0.39% all-in annual management fee on customer assets, plus a 0.79% Total Expense Ratio on the Evergreen Wachstum strategy and licensing/usage fees from B2B API partners. The customer base has grown to over 22,000 retail clients holding more than €130 million in sustainably invested assets as of December 2025, up from approximately 10,500 active clients in January 2023. Go-to-market combines direct digital acquisition (self-service onboarding, content marketing, referral program) with a B2B embedded finance API serving partners such as Tomorrow, Bling, FirmenZins, Forget Finance, and Naturally, plus traditional banking distribution through Sparkassen and banks via WKN/ISIN codes. Operations are supported by a lean 11–50 person team, with fund administration outsourced to Universal-Investment-Gesellschaft and custody at DAB BNP Paribas. The company has raised approximately $14M+ across multiple funding rounds since 2019, with Zais Group as a recurring lead investor, and holds B Corp certification with a score of 139.4 (Top 3 in Germany).

Name

Evergreen GmbH

Legal name

Evergreen GmbH

Website

https://evergreen.de

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Evergreen GmbH is a Leipzig-based, BaFin-regulated digital wealth manager offering sustainable investment products (Article 8/9 SFDR funds, Pockets-based savings, retirement, and children's accounts) to German retail consumers, employers, and B2B API partners under a 0.39% all-in fee model.

Ownership category

akta.pro rank

Product category

Digital Wealth Management

NAICS

Open-End Investment Funds (52591), Open-End Investment Funds (525910)

SIC

Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Digital/Hybrid Private Wealth (Robo-Enabled HNW Service) (FSAAABAO)

Keywords

• Digital wealth management
• Sustainable investing
• Robo-advisor services
• Retirement savings
• Wealth management API

Headquarters

HQ city

Leipzig

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Management Fees: Evergreen charges an All-In fee of 0.39% p.a. for managing customer portfolios. This covers fund costs and is deducted from returns.
2. Fund Management (TER): Total Expense Ratio (TER) of 0.79% for the Evergreen Wachstum strategy, including fund management costs for the underlying sustainable funds.
3. B2B API / Embedded Finance: Partners use Evergreen's regulatory license and API to offer wealth management services, paying fees for the use of the platform and licensing framework.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Evergreen GmbH operates a digital wealth management platform that enables German consumers to plan, save, and invest sustainably through sub-accounts called "Pockets" covering short-term savings (ZinsPocket), long-term portfolio building (Vermögensaufbau), employee savings (VL-Sparen), children's savings (Kinderdepot), and company pensions (Betriebsrente). The company also licenses its Wealth Management API and BaFin-regulated infrastructure to B2B fintech partners (Tomorrow, Bling, FirmenZins, Forget Finance, Naturally) for embedded wealth management. Revenue is generated primarily through an all-in annual management fee of 0.39% on assets under management.

Product overview

Evergreen GmbH is a Leipzig-based digital wealth management platform offering a unified suite of sustainable investment products. The core offering centers on Pockets—unlimited sub-depot accounts for different savings goals—which can be funded through various products including ZinsPocket (short-term savings with 1.72% p.a.) and ZinsPocket Plus (higher-yield savings with 3.00% p.a. after 6-month hold), Vermögensaufbau (long-term portfolio investing with automated tax optimization and risk management), VL-Sparen (employee investment accounts with employer contributions), Kinderdepot (children's custodial accounts with tax advantages), and the upcoming Altersvorsorgedepot (government-subsidized retirement product launching 2027). The platform operates its own Article 8/9 SFDR-compliant fund family (Evergreen Sustainable World Stocks, Evergreen Sustainable World Bonds, Evergreen Stable World Fund) plus the Tomorrow Fund, with assets held in custody at DAB BNP Paribas and funds administered by Universal-Investment-Gesellschaft mbH. Additional offerings include a B2B Wealth Management API for partners (Tomorrow, Bling, FirmenZins, Forget Finance) and commission-free Betriebsrente for employers. Revenue derives from a 0.39% p.a. all-in fee on investments.

Differentiator

Problem solved

Functional benefit

Products and services

• ZinsPocket Short-term savings product for German retail investors offering 1.72% expected annual return with daily liquidity. Invests in broad money market funds with interest rates tied to ECB base rates. Target users seek flexible, low-risk parking of funds.
• ZinsPocket Plus Fixed-income savings alternative to term deposits offering 3.00% expected gross annual return (2.61% net after 0.39% fee). Requires a 6-month holding period before daily withdrawal. Invests in AAA-rated structured corporate credit and money market funds. For retail investors seeking higher yields with defined holding periods.
• Vermögensaufbau (Wealth Building) Long-term investment service offering professionally managed, sustainable portfolios with automatic tax optimization (Sparerpauschbetrag), risk management (PDI), and rebalancing. Minimum investment starts at €1 via savings plans. For retail investors building long-term wealth.
• VL-Sparen (Vermögenswirksame Leistungen) Government-subsidized employee savings plan where employers contribute up to €40 monthly into Evergreen's sustainable equity fund. Fee-free savings plan for employee benefits, starting from €1 monthly. For employees receiving vermögenswirksame Leistungen from their employer.
• Kinderdepot (Children's Depot) Fee-free securities depot for children managed by guardians until age 18. Includes individual savings plans, 11 sustainable investment strategies, and tax advantages leveraging the child's personal allowances (up to €10,581 annual tax-free returns). For parents/guardians investing for minors.
• Betriebsrente (Company Pension)

Quantifiable outcome

• 22,000+ customers and 130M EUR sustainably invested as of December 2025
• +5 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature5 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• BlingcoreTechnology or Integration · 6 June 2023Bling integration with Evergreen enables family-friendly investing through their platform. Customers can access Evergreen's sustainable investment services through Bling's interface.
• Tomorrow GmbHcoreStrategic or Co-development PartnerEvergreen manages the Tomorrow Fund in collaboration with Tomorrow, a sustainable banking provider. The fund is classified Article 9 under SFDR with ESG criteria stricter than Evergreen's own funds. Tomorrow provides the investment universe based on positive and negative criteria.
• FirmenZinscoreTechnology or IntegrationPartner using Evergreen's API to offer wealth management services. FirmenZins integrates Evergreen's sustainable investment capabilities into their business lending platform.
• Universal-Investment-Gesellschaft mbHcoreTechnology or IntegrationExternal fund administration partner. Universal Investment handles fund administration for Evergreen's proprietary funds, including fund documents, PAI reporting, and proxy voting.
• DAB BNP ParibascoreTechnology or IntegrationCustodian bank for Evergreen's customer deposits and securities. Depots are held at DAB BNP Paribas with securities protected as Sondervermögen.
• everwave GmbHminorOthersEnvironmental partnership with Aachen-based company that prevents waste from entering oceans using AI-powered garbage collection boats. Evergreen participates in campaigns with financial donations.
• Impact Hub LeipzigminorOthersNetwork membership connecting Evergreen with innovative companies in the Leipzig region for knowledge sharing and collaboration on sustainable change.
• Bundesverband Nachhaltige Wirtschaft e.V. (BNW)minorOthersIndustry association membership since 2022. BNW advocates for economy that includes ecological and social factors. Evergreen participates in policy advocacy through BNW.
• UN Global Compact (UNGC)minorOthersMembership since 2021. UNGC is the world's largest sustainability initiative. Evergreen committed to ten principles in human rights, labor, environment, and anti-corruption.
• BaFincoreOthersPrimary financial regulator. Evergreen is a securities institute under § 15 WpIG supervised by BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht) and Deutsche Bundesbank.
• SAVINcoreStrategic or Co-development PartnerPartnership announced November 2025 integrating sustainable investing into SAVIN's energy storage product. Combines money and energy products in a unique offering.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Scalable Capital: Largest German digital wealth manager/robo-advisor; offers sustainable portfolio strategies via its broker and wealth product lines and competes head-to-head with Evergreen on retail sustainable investing. Comparable BaFin-regulated business model, fee-based revenue, and digital-first distribution.
• Visualvest: Deka Bank-owned German robo-advisor offering sustainable portfolio strategies and VL-Sparen; directly comparable digital wealth proposition targeted at German retail customers including employer-sponsored savings.
• Oskar (by Raisin): German children's investment and family savings app; overlaps with Evergreen's Kinderdepot and pocket-based family savings products and competes for the same parent demographic in Germany.
• Quirion: German digital wealth manager owned by Quirin Privatbank; offers sustainable portfolio strategies with automated rebalancing and competitive TER, competing with Evergreen on digital sustainable asset management for German retail.
• Growney: German digital wealth manager from the Finanzcheck group offering sustainable ETF-based portfolios with automated rebalancing; direct head-to-head competitor in the German sustainable robo-advisor segment.

Broad incumbents

• Trade Republic: German mobile broker expanding into savings products (Trade Republic Sparplan, interest products); broader offering than Evergreen but directly competes for the same German retail investor looking for low-cost, mobile-first investing.
• Liqid: German digital private wealth manager focused on HNW/UHNW clients; broader portfolio offering but overlaps in the digital wealth management category and ESG portfolio construction capabilities.

Regional players

• Moneyfarm: UK/Italy-based digital wealth manager with ISA and SIPP wrappers; comparable robo-advisor model and sustainable portfolio options, though it operates outside Evergreen's German core market.

Emerging players

• Tomorrow GmbH: Sustainable German banking app; Evergreen is both a partner (manages the Tomorrow Fund) and a competitor for sustainable retail customers seeking eco-aligned financial products in Germany.
• Weltsparen (Raisin): German retail savings and investment platform aggregating deposits and investment products; adjacent to Evergreen's ZinsPocket offering and competing for short-term savers in Germany.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/evergreen-gmbh
• Instagraminstagram.com/evergreen_de
• Facebookfacebook.com/evergreen.de
• TikToktiktok.com/@evergreen_de
• Xx.com/EvergreenGmbH

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds5 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Evergreen GmbH