What QUALCO does

QUALCO (Qualco Group, publicly listed on the Athens Stock Exchange as QLCO) is a Greek-headquartered fintech that delivers an end-to-end, cloud-native SaaS platform for the credit and lending lifecycle. Through its wholly-owned technology subsidiary Qualco Technology, the company sells to banks, creditors, debt buyers, NPL managers, and corporate treasuries across more than 30 countries, with particular depth in EMEA and Islamic finance markets. Named customers include Alrajhi Bank, Abu Dhabi Islamic Bank, Emirates NBD, Intrum, DoValue, Hoist Finance, Eurofactor, Credit Factor, Cabot, and BankABC. The company was founded in 1998–1999, was previously part of Danaher and then Fortive Corp before being divested, and completed an IPO in 2025.

The product portfolio is organized across five solution areas. Credit & Lending covers loan origination (Qualco Loan Originator) and full loan administration (Qualco Loan Manager). Collections & Recoveries comprises the end-to-end Collections & Recoveries platform, augmented by Agenly (an Agentic-AI-driven customer resolution and payment capture module across SMS, Viber, WhatsApp), QCR Accelerator (a pre-configured module for small and mid-sized lenders), Qualco ExtraCollect (outsourced collection panel management), Omnichannel Collections, and a Digital Self-Service Portal. Supply Chain Finance is delivered through Qualco ProximaPlus (factoring and SCF, including Sharia-compliant Payables Finance) and Qualco Kyberas (dynamic discounting). Qualco Process Automation handles business workflow automation. Underpinning the portfolio is a three-layer AI suite — Qualco Data Studio (data unification), Qualco ML Studio (predictive model deployment), and Qualco Agentic Studio (AI-agent orchestration for autonomous action) — launched formally at the AI Event 2026 in May 2026. The company is ISO 9001:2015 certified (TUV Austria) and supports multilingual deployments across English, Spanish, German, Italian, and French.

Revenue is generated primarily through annual subscription licensing of the SaaS platforms under quote-based enterprise contracts, supplemented by one-time software licensing fees where on-premise deployment is required. Go-to-market is consultative enterprise field sales — the website's primary conversion mechanism is a "Talk to an Expert" / "Book a Demo" CTA — targeting bank technology and procurement teams. Distribution is direct, with no apparent reseller or marketplace channel; the company is headquartered in Athens with a UK managing director, and serves 30+ countries through this direct model. Marketing is multi-channel, combining content (whitepapers, flagship annual playbooks on Supply Chain Finance and Collections & Recoveries), events (including proprietary AI Event 2026 and industry conference participation), and organic social on LinkedIn, X, Facebook, and YouTube.

Name

QUALCO

Legal name

Qualco Group

Website

https://qualco.eu

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

251–500 employees

Short description

QUALCO (Qualco Group, listed on the Athens Stock Exchange) sells cloud-native, AI-driven SaaS platforms for the full credit lifecycle — origination, loan management, collections, recoveries, and supply chain finance — to banks, creditors, and financial institutions across more than 30 countries.

Ownership category

akta.pro rank

Product category

Credit Management Software

NAICS

Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Finance Services (6199)

akta.pro primary industry

Pricing, Risk-Based Offer & Limit Management (FSAGAHAE)

Keywords

• Credit management software
• Debt collections platform
• Loan servicing software
• Financial services technology
• Regulatory reporting software

Headquarters

HQ city

Athens

HQ country

Greece

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Platform Subscriptions: Qualco Technology operates primarily as a SaaS (Software-as-a-Service) provider, delivering cloud-native platforms on a subscription basis to financial institutions. Revenue is generated through recurring platform licensing fees for access to its credit management, collections, and supply chain finance software products.
2. Software Licensing: The company offers various software platforms (Loan Originator, Loan Manager, Collections & Recoveries, ProximaPlus, etc.) that can be licensed to financial institutions for deployment within their technology environments, generating one-time or recurring licensing revenue.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels7 records

Core offering

QUALCO develops and sells enterprise software platforms that enable financial institutions to manage the full credit lifecycle, including collections, debt recovery, account servicing, and regulatory reporting. Its solutions are deployed by banks, non-bank lenders, telecoms, and utilities to automate arrears management, optimize recovery strategies, and meet compliance obligations.

Product overview

Qualco Technology, the technology arm of Qualco Group, delivers an AI-driven, modular fintech platform for the full credit and lending lifecycle. The portfolio is organized around five solution areas: (1) Credit & Lending — Qualco Loan Originator (origination automation) and Qualco Loan Manager (full loan administration); (2) Collections & Recoveries — Qualco Collections & Recoveries platform, extended by Agenly (Agentic AI-driven customer resolution), QCR Accelerator (early-stage collections), Qualco ExtraCollect (outsourced panel management), plus Omnichannel Collections and Digital Self-Service Portal modules; (3) Supply Chain Finance — Qualco ProximaPlus (factoring and SCF) and Qualco Kyberas (dynamic discounting); (4) Business Automation — Qualco Process Automation; and (5) Data, ML & Agentic AI — a three-layer AI suite comprising Qualco Data Studio (data foundation), Qualco ML Studio (predictive AI), and Qualco Agentic Studio (autonomous AI agents). With 25+ years of experience and clients in 30+ countries, the platform serves banks, creditors, and financial institutions across credit origination, servicing, collections, and supply chain finance.

Differentiator

Problem solved

Functional benefit

Brands

• Agenly: Agentic AI Platform for Smarter Collections - cloud-native SaaS platform for customer engagement and payment collection across multiple channels
• Qualco Loan Originator
• Qualco Loan Manager
• Qualco Collections & Recoveries
• Qualco ProximaPlus
• Qualco Kyberas
• Qualco Process Automation
• Qualco ML Studio
• Qualco Agentic Studio
• QCR Accelerator
• Qualco ExtraCollect
• Qualco Data Studio
• Omnichannel Collections
• Digital Self-Service Portal

Quantifiable outcome

• Successfully listed on European IPO market alongside Pfisterer and Verve Group
• +2 more outcomes

Named customers10 records

Segments5 records

Ideal customer profiles1 record

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability8 records

Feature13 records

Partnerships

Two partnerships are on record, tiered core.

• Alrajhi BankcoreStrategic or Co-development Partner · 1 January 2025Alrajhi Bank, one of the world's largest Islamic banks, partnered with Qualco Technology to implement the ProximaPlus platform. The bank went live with Qualco's fully digital, Sharia-compliant Payables Finance solution, enabling digital supply chain finance for the bank's corporate clients.
• Abu Dhabi Islamic Bank (ADIB)coreStrategic or Co-development Partner · 1 January 2025Abu Dhabi Islamic Bank, a leading Islamic financial institution, partnered with Qualco Technology to enhance its Sharia-compliant Supply Chain Finance solutions. ADIB leverages Qualco's platforms to deliver Islamic-compliant working capital and supply chain finance products to its customer base.

Scale indicators4 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Temenos: Swiss-listed banking software vendor offering core banking, lending (Loan Origination), and wealth management platforms to banks globally. Most directly comparable to Qualco on the lending and loan management side, with similar enterprise bank customer base and regulatory focus.
• nCino: Cloud-native commercial banking and lending platform serving banks and credit unions with loan origination, account opening, and analytics. Closely matches Qualco's Loan Originator/Manager positioning and SaaS delivery model to financial institutions.
• Mambu: Cloud-native core banking and lending SaaS platform serving challenger banks, lenders, and financial institutions across loan origination and servicing. Comparable to Qualco on cloud-native SaaS delivery and lending lifecycle coverage.
• Pegasystems: Low-code platform with dedicated Collections and Customer Engagement solutions for banks, lenders, and debt collectors, including AI-driven case management. Direct overlap with Qualco's Collections & Recoveries and Agenly agentic AI capabilities.
• Sopra Banking Software: European banking software vendor providing core banking, lending, and financing solutions to banks across EMEA. Comparable to Qualco on regional bank customer base and lending management product scope.
• Backbase: Engagement banking platform serving retail and commercial banks with digital onboarding, servicing, and lending journeys. Comparable to Qualco on cloud-native SaaS delivery to mid-market and large banks globally.
• TietoEVRY: Nordic IT services and banking software provider with lending, cards, and credit management solutions across European banks. Comparable to Qualco on regional bank software footprint and credit lifecycle offerings.

Broad incumbents

• Finastra: Large global financial software vendor formed from the merger of Misys and D+H, offering lending, treasury, and core banking. Competes with Qualco's lending and supply chain finance platforms from a broader portfolio position.
• FICO: Analytics and decisioning software company with FICO Platform and Origination solutions widely deployed at banks for credit decisioning, collections, and customer management. Overlaps with Qualco's ML Studio, pricing/limit management, and collections capabilities.
• FIS (Fidelity National Information Services): Global banking and payments technology giant with lending, servicing, and risk solutions competing broadly with Qualco's end-to-end credit lifecycle platform. Larger portfolio scale but less specialized in collections and SCF niches.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/qualco_sa
• YouTubeyoutube.com/channel/UC7cTResGy8px5-_y4JFt72Q
• Facebookfacebook.com/Qualco.social
• LinkedInlinkedin.com/company/qualco

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about QUALCO