Rekenber

What Rekenber does

Rekenber s.r.o. is a Czech SaaS company, founded in 2013 in Prague, that builds AI- and machine-learning-powered platforms for creditor claims management, debt collection, and insolvency monitoring. Its product suite spans a Financial Health Platform covering 80%+ of problematic debtor situations, an end-to-end Claims Management module, an ISIR (Insolvency Registry) API connector with 24/7 debtor monitoring, a Document Workflow Platform that automates up to 100% of manual document handling, Predictive Claims Management, a Corporate Restructuring & Bankruptcy workflow tool, and Money Check Club, a monthly subscription product for small and medium businesses. The underlying technology stack combines Python and FastAPI, Prefect-orchestrated data pipelines with Dask/Spark, PostgreSQL and ElasticSearch storage, and AI/ML features built on scikit-learn, NumPy, OpenCV, and pre-trained neural networks for text extraction and computer vision; deployments run on Docker Swarm with CircleCI and Terraform.

Rekenber generates revenue through enterprise SaaS subscriptions and API-based usage fees, primarily sold to large Czech financial institutions and collection agencies (notably Česká spořitelna, ČSOB, and EOS-KSI), and through a smaller self-service monthly subscription channel (Money Check Club) serving SMBs. Pricing is quote-based for enterprise accounts and undisclosed for the SMB tier. The company operates exclusively in the Czech Republic, addresses a domestic market of more than 800,000 debtors in judicial enforcement and approximately 30 billion CZK in municipal insolvency claims, and combines direct enterprise field sales with an API-first distribution model that embeds Rekenber into clients' existing systems. Česká spořitelna is both a strategic investor (12M CZK in 2021/2022) and a flagship enterprise customer, reflecting a tightly aligned capital-and-commercial relationship. As of the most recent disclosures, the company employs 20+ people, has raised only the single disclosed institutional round, and has no public revenue figures.

Name

Rekenber

Legal name

Rekenber s.r.o.

Website

https://rekenber.cz

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Rekenber is a Czech SaaS company that applies machine learning and document automation to creditor claims management, debt collection, and insolvency monitoring, serving large banks (Česká spořitelna, ČSOB), collection agencies (EOS-KSI), municipalities, and SMBs exclusively in the Czech Republic.

Ownership category

akta.pro rank

Product category

Claims Management Software

NAICS

Collection Agencies (56144), Credit Bureaus (561450)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Services-Prepackaged Software (7372)

akta.pro primary industry

Collections, Recovery & Debt Management Platforms (FSAGAHAI)

akta.pro secondary industries

Loan Servicing & Special Servicing (Delinquency Management) (FSAKAJAG), Foreclosure, Bankruptcy & REO Servicing (FSALAEAH), Debt Recovery & Asset Recovery (Repossession Coordination, Collateral Recovery) (BPAAAEAE), Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH)

Keywords

• Claims management software
• Debt collection automation
• Insolvency management platform
• Document workflow automation
• Receivables management

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Platform Subscription: Rekenber operates as a SaaS platform provider offering subscription-based access to their claims management and insolvency monitoring solutions. Enterprise clients access the platform via API integration or direct platform usage.
2. API Services: API-based services for document processing, ISIR data access, and automation of claims workflows. Revenue generated from API usage and integration services for enterprise clients.
3. Money Check Club (SMB Product): Monthly subscription service for small and medium businesses combining claims management, legal advice, and counterparty monitoring into simple monthly fee.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Rekenber provides an integrated SaaS platform for debt collection, claims management, and insolvency case automation. The platform combines AI/ML-driven debtor monitoring, an ISIR (Czech Insolvency Registry) API connector, document workflow automation with OCR/NLP, and predictive portfolio analytics to help creditors manage claims through prevention, pre-litigation, judicial collection, and insolvency phases. It serves large banks, collection agencies, municipalities, and SMBs in the Czech Republic.

Product overview

Rekenber is an integrated SaaS platform for debt collection and financial health management, consisting of a core Financial Health Platform and Claims Management system, complemented by seven specialized modules including an Insolvency Registry API, Corporate Restructuring solution, Document Workflow Platform, Predictive Claims Management, and Money Check Club for SMBs. The platform leverages AI and machine learning to automate document processing, monitor debtor portfolios, detect fraud, and optimize collection outcomes, serving major Czech financial institutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Platforma pro finanční zdraví (Financial Health Platform)

Quantifiable outcome

• 20% increase in claims performance compared to originally expected return rate
• +6 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature5 records

Scale indicators9 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Intrum: Largest European credit management and debt purchase group with extensive operations in Czech Republic and across CEE. Comparable because it serves the same bank and institutional creditor segments with end-to-end debt management services and has invested heavily in its own digital claims platform.
• EOS Group: International debt collection group whose Czech affiliate (EOS-KSI) is itself a Rekenber customer. Comparable as a broad incumbent that combines traditional debt collection with proprietary IT platforms serving banks and large creditors in CEE.
• Lowell: European credit management services provider with a tech-forward platform serving banks, FinTechs and telecom. Comparable as a broad incumbent investing in digital claims workflows and consumer journey automation that compete with Rekenber's feature set.
• B2 Impact: Nordic-headquartered debt purchaser and servicer active across Europe with a growing digital servicing platform. Comparable as a broad incumbent offering both purchased debt portfolios and tech-enabled servicing that overlaps with Rekenber's insolvency-monitoring value proposition.
• CRIF: Global credit bureau and business information provider with strong CEE presence and direct access to insolvency/credit registry data. Comparable because it supplies similar data infrastructure (analogous to Rekenber's ISIR connector) and offers analytics and decisioning tools to banks.
• Bisnode (now part of Dun & Bradstreet): Long-established Central European business information and credit bureau provider (Czech Republic included) with company data, monitoring and risk analytics products. Comparable as a broad incumbent in the Czech credit data and counterparty monitoring space Rekenber serves via Money Check Club.
• PRA Group: Global debt purchaser and servicer with European operations and significant technology investment in portfolio analytics. Comparable as a broad incumbent whose data-driven servicing approach parallels Rekenber's predictive claims management module.
• Coface: Global trade credit management insurer with CEE footprint offering B2B receivables protection and debtor monitoring. Comparable as a broad incumbent in receivables and counterparty risk monitoring that overlaps with Rekenber's predictive claims and SMB monitoring products.

Regional players

• Kredyt Inkaso: Polish debt management and purchasing group operating across CEE with proprietary servicing technology. Comparable as a regional player in a neighboring jurisdiction pursuing similar digital transformation of claims and insolvency workflows.

Direct peers

• Collectia: Czech tech-enabled debt collection and claims management provider serving SMBs and enterprises. Comparable as a direct Czech peer offering similar claims management, document handling and customer communication capabilities to Rekenber's target segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/rekenber

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors2 records

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 Rekenber