What Xolv Financial Support does

Xolv BV, operating as Xolv Financial Support, is a Netherlands-based independent specialist intermediary in credit risk management and working capital optimization, headquartered in Vught and founded in 2009. The company serves more than 700 mid-sized and international companies, securing over EUR 20 billion in customer turnover across transport/logistics, retail, fashion/textiles, glass/horticulture, construction, energy, recycling, and temp-staffing sectors. Its product portfolio spans credit insurance brokerage, factoring (with up to 90% advance within 24 hours), debtor management, debt collection, guarantees, credit information, and working capital financing — the last delivered through the Xolv Finance sub-brand.

The core technology layer is PolisManager, a proprietary tool that consolidates credit insurance policy data from Atradius, Coface, and Euler Hermes into a single real-time coverage dashboard, with complementary Credit Management Software delivered via partner CreditDevice. Sector specialization is deepened through referral partnerships with CRDT credit & finance (operational debtor management across 500 EU companies) and MODINT Credit & Finance (fashion/textile vertical with access to a 200,000-customer EU payment database). Since 2024, Xolv has been a partner of ICBA, the international credit broker association spanning 900+ specialists across 50+ countries.

Xolv operates as a subsidiary of UK-based SRG Specialist Risk Group, which acquired the Benelux operations from Ecclesia Group (the original majority stakeholder since February 2021). Revenue is generated through brokerage commissions on placed insurance and factoring (typically 0.3–0.5% of turnover for SME clients), professional service fees for debtor management and advisory, and working capital financing margin. Pricing is quote-based and varies by customer turnover, debtor count, and complexity. The company holds AFM license 12019681 and operates with a small visible professional team of roughly 12–14 individuals, distributing through enterprise field sales supported by the Xolv Knowledge educational event program.

Name

Xolv Financial Support

Legal name

Xolv BV

Website

https://xolv.nl

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Xolv Financial Support is a Netherlands-based independent credit insurance broker and credit management specialist serving 700+ mid-sized and international companies with brokerage, factoring, debtor management, and working capital financing, integrated via its PolisManager platform and parent SRG's international network.

Ownership category

akta.pro rank

Headquarters

HQ city

Vught

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Credit Insurance Services: Intermediary services for credit insurance placement. Xolv acts as specialist broker securing credit insurance policies for customers, optimizing coverage and terms.
2. Factoring Services: Invoice financing where companies transfer invoices and receive up to 90% within 24 hours. Factoring company assumes non-payment risk.
3. Debtor Management Services: Outsourced accounts receivable management including credit checks, invoicing, monitoring, reminders, and collection. Full service or partial outsourcing options.
4. Collection Services: Debt collection through partner network. Both amicable (out-of-court) and judicial collection services. Advice on collection partner selection.
5. Working Capital Financing: Xolv Finance provides working capital financing solutions. Partnership with Xolv BV for integrated financing offerings.
6. Credit Management Software: Software tools including PolisManager for policy management and credit management systems. Partner CreditDevice provides technology.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Xolv is an independent specialist broker and advisor that places credit insurance policies, factoring/working capital financing, guarantees, credit information, debtor management, and collection services for medium-sized and international businesses. It also resells technology (PolisManager and Credit Management Software) to automate and consolidate the order-to-cash cycle, integrating with major credit insurers such as Atradius, Coface, and Euler Hermes.

Product overview

Xolv Financial Support is a full-service financial services provider offering a comprehensive suite of products for credit risk management and working capital optimization. The core offerings include credit insurance (Kredietverzekering) as a primary product, complemented by working capital financing through factoring services. The portfolio includes dedicated software tools (PolisManager for credit insurance policy management and Credit Management Software for debtor management automation), along with professional services (credit information, debtor management, collection, and optimization advisory). Xolv operates as a broker and advisor, connecting customers with insurance providers (integrating with Atradius, Coface, and Euler Hermes) while providing technology-enabled management of the entire credit management lifecycle from credit checks through invoice financing to debt collection.

Differentiator

Problem solved

Functional benefit

Brands

• PolisManager: Policy management tool for credit insurance
• Credit Management Software

Products and services

• Kredietverzekering (Credit Insurance) Credit insurance brokerage that protects businesses against non-payment by customers, covering the risk of outstanding receivables. Xolv places policies with leading credit insurers (Atradius, Coface, Euler Hermes) to secure coverage for medium-sized and international companies.
• PolisManager

Quantifiable outcome

• Up to 90% of invoice amount paid within 24 hours through factoring
• +2 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature2 records

Partnerships

Four partnerships are on record, tiered core.

• ICBA (International Credit Broker Association)coreStrategic or Co-development Partner · 1 January 2024Since 2024, Xolv has been a partner of ICBA, the largest international network of credit insurance intermediaries. ICBA connects 900+ specialists from more than 50 countries. Most ICBA members are market leaders in their own countries, enabling negotiation of competitive terms and best possible service in each country.
• CreditDevicecoreTechnology or IntegrationCreditDevice is Xolv's partner for credit management software. Founded in 2001, CreditDevice builds software and offers total solutions for credit management including PolisManager for policy management. Provides automated debtor management with customizable reminders and debtor segmentation.
• CRDT credit & financecoreStrategic or Co-development PartnerCRDT specializes in credit management and debtor management services. Supports 500 companies within the EU with operations in Germany, Belgium, and Denmark. CRDT handles operational debtor management and collection while Xolv focuses on credit insurance and financing. Long-standing trusted partnership.
• MODINT Credit & FinancecoreStrategic or Co-development PartnerMODINT Credit & Finance is CRDT's label for fashion, carpet & textile sector. Market leader in the Netherlands for credit management in these sectors. Uses database with payment experience of 200,000 EU customers. Xolv refers fashion/textile clients requiring debtor management to MODINT.

Scale indicators7 records

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• Willis Towers Watson: Global advisory and brokerage firm with a credit insurance practice serving enterprise clients. Overlaps with Xolv on larger credit insurance placements but at much greater scale and breadth.
• Aon: Global insurance and reinsurance broker with substantial credit insurance practice serving enterprise clients. Much larger and broader than Xolv but overlaps on credit insurance placement for mid-market and large Dutch corporates.
• Marsh: Global insurance broker and risk advisor with credit insurance capabilities. Competes with Xolv for larger Dutch enterprise credit insurance mandates while offering a much wider product portfolio.
• Howden: International insurance broker with growing specialty lines including credit insurance. Competes with Xolv in placing trade credit cover for European mid-market companies, with broader geographic reach.

Direct peers

• Coface: Global credit insurance provider integrated into Xolv's PolisManager. Coface serves similar mid-market and international clients with trade credit insurance, competing partly with brokers like Xolv when clients pursue direct relationships.
• Atradius: Global trade credit insurance provider whose policies are placed by Xolv via PolisManager. Both serve the same Dutch mid-market customers seeking trade credit protection, though Atradius can also sell direct, creating partial competition for Xolv's brokerage layer.
• Allianz Trade (formerly Euler Hermes): World's largest trade credit insurer and one of three underwriters integrated into PolisManager. Allianz Trade serves overlapping mid-market and enterprise clients and increasingly pursues direct digital channels that compete with broker models.
• Ecclesia Group: German/Dutch insurance broker that held the majority stake in Xolv before transferring Benelux operations to SRG. Ecclesia operates a closely comparable specialist brokerage model in adjacent German-speaking markets.
• Bibby Financial Services: International factoring and credit management provider serving SMEs across Europe. Directly comparable to Xolv's factoring and debtor management offerings for similar mid-market customer segments.

Emerging players

• Creditsafe: Global business credit information and data provider. Overlaps with Xolv's credit information services (kredietinformatie) and is increasingly extending into adjacent credit risk tooling for SMEs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/xolv-allcreditz

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Xolv Financial Support