Debitos
- Company typePrivate
- Founded2010
- HeadquartersFrankfurt, Germany
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
Debitos firmographics
Firmographics- Name
- Debitos
- Legal name
- Debitos GmbH
- Website
- https://debitos.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Where Debitos is headquartered
LocationHeadquarters
- HQ city
- Frankfurt
- HQ country
- Germany
- HQ region
- Europe
Offices2 records
Markets served
Debitos business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Listing Fees (Einstellgebühr): Fees charged when sellers list financial products on the platform. A listing fee of €5,000 applies when auctioning claims on the platform. The listing fee is borne by the seller.
- Completion Fees (Abschlussgebühr): Fees earned upon successful transaction completion (zuschlag). The amount is determined by the final sale price. Completion fees are typically paid by the seller unless specified otherwise in the sales offer.
- Premium Subscriptions (Nutzungspläne): Subscription plans offering enhanced functionality and premium features for users. Plans have a fixed term and auto-renew. Optional Premium membership provides various advantages including Portfolio Analytics, AI-powered services, and priority access.
- Special Services (Sonderleistungen): Additional services including assistance with data room preparation, digitization of documents, and other premium services beyond core platform functionality.
- White Label Technology: Revenue from providing the Debitos platform as a white-label solution to financial institutions, enabling autonomous transaction execution with access to the marketplace investor community.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Listing Fee (Einstellgebühr): €5,000 per auction listing |
| Transaction based/ take rate | Pay-as-you-go | Completion Fee (Abschlussgebühr): Variable based on transaction value |
| Subscription | Annual | Premium Subscription (Nutzungspläne): Subscription-based premium features |
| Other | Pay-as-you-go | Special Services (Sonderleistungen): Custom pricing for additional services |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Debitos product offering
Product offeringCore offering
Debitos operates a digital auction-based marketplace that enables banks, funds, and companies to sell credit exposures, non-performing loans (NPLs), and distressed commercial real estate assets to a network of 2,100+ registered European investors. The platform digitizes the entire sale cycle — from listing and virtual data room access through bidding to transaction completion — and reduces disposal timing to 3-8 weeks versus 3-6 months in traditional bilateral processes.
Product overview
Debitos operates as a modular platform-plus-services architecture centered on its Loan & Real Estate Transaction Platform — Europe's #1 digital secondary marketplace. The core platform enables auction-based sales of credit exposures and distressed assets. It is complemented by six key modules: AI Due Diligence (AI-powered document indexing in datarooms), Servicing Navigator (servicer marketplace matching), White Label Technology (white-label platform deployment), Portfolio Analytics (visual transaction data analytics, Premium feature), Banks & 3rd Parties API Integration (API connectivity to debt management software), and an AI-Powered Searchable Data Room (Premium feature). Together, these modules provide a full-cycle digital solution from listing through due diligence to transaction completion.
Differentiator
Problem solved
Functional benefit
Brands
- AI Due Diligence (AIDD): AI-powered due diligence tool integrated into the Debitos platform to accelerate and enhance due diligence processes in complex private credit transactions.
- Servicing Navigator
- White Label Technology
- Portfolio Analytics
Products and services
- Debitos Loan & Real Estate Transaction Platform Europe's leading digital secondary marketplace enabling banks, funds, and companies to sell credit exposures, non-performing loans (NPLs), UTP loans, sub-performing loans, and distressed commercial real estate assets through an open and transparent auction-based online transaction platform. The architecture follows the EU recommendation on best execution sales process and digitizes the entire sale cycle.
- AI Due Diligence (AIDD) AI-powered due diligence technology integrated into the Debitos platform that indexes and interacts with documents in dataroom structures, significantly accelerating and enhancing due diligence processes in complex private credit transactions for sellers, buyers, and their advisors.
- Servicing Navigator Marketplace product that connects banks and investors with more than 400 specialized European servicers across 16 countries, helping identify the best business partner for problematic credits management based on country, asset class, ticket size, volume, and specific licenses.
- White Label Technology White-label deployment of Debitos' loan transaction platform, connected to the marketplace and unique registered investors database, with customizable backend control and Single Sign-On/SAML integration, enabling financial institutions to execute transactions fully autonomously with their own teams.
- Portfolio Analytics (Data Analytics) Interactive, visual analytics solution that enables investors to comprehensively analyze transaction data, including payment flows, recovery proceeds, collateral, titles, and interest rates, supporting streamlined portfolio evaluation, optimized price discovery, and risk mitigation for both sellers and buyers.
- Banks & 3rd Parties API Integration Ready-to-use APIs with leading software providers in the debt management software industry, including single sign-on functionalities and batch processing, enabling professional debt managers to access Debitos, create listings, upload loan data tapes and documentation, and monitor listings and bids in an end-to-end automated workflow.
- Real Estate Transaction Services Service line enabling banks, funds, and companies to transform commercial real estate equity, debt, and non-performing loans into liquidity on the digital secondary marketplace, replacing slow bilateral negotiations with a transparent process that settles transactions in 3-9 months.
- Transaction Advisor Services Advisory service supporting banks and financial institutions through complex NPL, UTP, and real estate portfolio sales — including a December 2025 advisory mandate on the sale of an SME loan portfolio exceeding €300 million in volume.
Quantifiable outcome
- Transaction time reduced to 3-8 weeks compared to 3-6 months for traditional bilateral processes
- +4 more outcomes
Companies that use Debitos
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
Debitos technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability5 records
Feature6 records
Debitos partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- LOANCOS GroupcoreStrategic partnership between Debitos GmbH and the LOANCOS Group to facilitate access to the German market for non-performing loans (NPLs) for both domestic and international investors. The partnership aims to simplify market entry and provide comprehensive support for NPL transactions in Germany.
- Sodia Real Estate Asset ManagementcoreStrategic partnership aimed at revolutionizing the marketing and sale of real estate-owned (REO) assets across Europe. Sodia is a leading Greece-based real estate asset management firm. The collaboration combines Sodia's extensive experience in real estate asset management with Debitos' digital marketplace platform.
- OneOSixcoreStrategic partnership in the Italian NPL market, aligned with the new Servicing Directive. The collaboration provides banks, servicers, and institutional funds with a standardized and transparent process for the sale and purchase of NPLs, optimizing disposal of individual positions and portfolios.
Scale indicators11 records
Recent moves11 records
Expansion highlights6 records
Debitos competitors and assessment
Company assessmentBroad incumbents
- Clearstream: Clearstream (part of Deutsche Börse) is a major European central securities depository providing post-trade infrastructure for fixed-income securities. As a broad incumbent, Clearstream serves the same institutional financial institution customers as Debitos from a settlement (rather than trading) angle.
- Euroclear: Euroclear is one of the world's largest international central securities depositories, providing settlement and custody for European securities. As a broad incumbent, Euroclear serves the same institutional customer base that Debitos targets for secondary loan trading and post-trade services.
- LSEG (DebtWire / LPC): London Stock Exchange Group operates data, analytics, and trading infrastructure across global fixed-income and loan markets, including the DebtWire service for loan market data. As a broad incumbent in financial market infrastructure, LSEG represents both a potential competitor and partner for Debitos in European credit markets.
Direct peers
- Tradeweb Markets: Tradeweb operates one of the world's largest electronic marketplaces for institutional fixed-income and credit trading. While it serves a broader range of fixed-income instruments than Debitos, its electronic trading platform model for credit products is directly comparable in mechanics and customer base.
- MarketAxess: MarketAxess operates a leading electronic trading platform for fixed-income securities, including corporate credit and leveraged finance. Its all-to-all trading model and institutional investor network are conceptually similar to Debitos' approach to secondary loan markets.
- DebtX: DebtX is a US-based online debt trading marketplace that facilitates the sale of loans, including distressed and non-performing loans, between financial institutions and investors. It is the closest functional analog to Debitos, operating a similar auction-based model for secondary loan trading.
Emerging players
- Intralinks (SS&C): Intralinks, owned by SS&C Technologies, is a leading virtual data room and deal management platform used for due diligence in M&A, lending, and complex financial transactions. Its data room technology competes with Debitos' VDR offering for institutional due diligence workflows.
- Drooms: Drooms is a European virtual data room provider specializing in secure document sharing for M&A, due diligence, and complex financial transactions. Its data room product is conceptually adjacent to Debitos' AI-powered Virtual Data Room, serving similar institutional due diligence workflows.
- Ansarada: Ansarada provides AI-powered virtual data rooms and deal management tools for M&A, capital markets, and complex transactions. Its technology overlaps with Debitos' AI-powered data room and due diligence capabilities, targeting similar institutional transaction workflows.
Regional players
- Cerved: Cerved is an Italian provider of credit information, analytics, and NPL servicing. While not a marketplace like Debitos, Cerved operates in the same Italian credit ecosystem that Debitos serves through its Italian regional office and Italian NPL market partnerships (e.g., OneOSix).
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Debitos social profiles
Digital presenceDebitos compliance and trust
Trust signalCompliance4 records
Debitos financial estimates
Financial estimateRevenue estimate
Valuation estimate
Debitos leadership team
Management profileNumber of profiles
Profiles2 records
Debitos funding detail
Funding detailFunding overview
Funding rounds1 record
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Debitos M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Debitos
What does Debitos do?
Debitos operates a digital auction-based marketplace that enables banks, funds, and companies to sell credit exposures, non-performing loans (NPLs), and distressed commercial real estate assets to a network of 2,100+ registered European investors. The platform digitizes the entire sale cycle — from listing and virtual data room access through bidding to transaction completion — and reduces disposal timing to 3-8 weeks versus 3-6 months in traditional bilateral processes.
Is Debitos a public or private company?
Debitos is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Debitos founded?
Debitos was founded in 2010. It employs 11 to 50 people.
Where is Debitos based?
Debitos is headquartered in Frankfurt, Germany, in the Europe region.
How does Debitos make money?
Five revenue lines are on record. Listing Fees (Einstellgebühr) is the primary driver. The others are completion Fees (Abschlussgebühr), premium Subscriptions (Nutzungspläne), special Services (Sonderleistungen) and white Label Technology.
Who are Debitos's main competitors?
Broad incumbents on record are Clearstream, Euroclear and LSEG (DebtWire / LPC). Direct peers are Tradeweb Markets, MarketAxess and DebtX. Emerging players are Intralinks (SS&C), Drooms and Ansarada. Cerved is listed as a regional player.
Does Debitos have an API?
Yes. Debitos provides ready-to-use APIs with leading software providers in the debt management software industry. The API integration enables professional debt managers to access Debitos, create listings, upload loan data tapes and documentation in a structured way to Debitos' data room, and monitor listings and bids. It includes single sign-on functionalities and batch processing, leading to an end-to-end solution with best-in-class automation grade.