Akv Europa

What Akv Europa does

AKV EUROPA – Alpenländischer Kreditorenverband is an Austrian registered association founded on 6 September 1924 and headquartered in Vienna, operating as a state-privileged (bevorrechtete) creditor protection organization designated by the Austrian Federal Minister of Justice under §87a IO. It offers four core service lines to members and registered clients across Austria: credit information (Bonitätsauskünfte) on domestic and international entities covering 150+ million companies in 230+ countries; debt collection (Inkasso) for domestic and cross-border claims with a minimum threshold of EUR 15; insolvency representation (Insolvenzvertretung) of creditors in corporate and personal proceedings, including claim registration, court attendance, security enforcement, and quota collection; and trusteeship (Treuhandschaft) for court-appointed administration of debtor repayment plans. Supporting product surface includes a ComplianceCHECK, UID-NummernCheck (VAT-ID verification free for portal users), continuous international monitoring, weekly AKV-INFORMATIONEN insolvency newsletter, a real-time Insolvenzticker, and a quarterly Insolvenzstatistik Portal.

The operating technology platform is the AKV Online Portal (portal.akv.at), a self-service web application delivering 24/7 access to credit reports, UID validation, digital firm book queries (Firmenbuchabfragen), and case status tracking; the portal is supplied by data integrations with CRIF GmbH, Dun & Bradstreet Austria GmbH, and SkyMinder. Distribution is omnichannel and predominantly domestic, with business offices in all nine Austrian Bundesländer, a network of AKV-Vertrauensanwälte for court representation, and direct submission pathways via email, fax, and post in addition to the portal.

The business model is a hybrid of subscription and transaction-based revenue under an association framework. The flagship AKV-Schutzpaket membership is sold annually at EUR 260 per member and bundles free insolvency representation for claims up to EUR 3,000 plus reduced rates on all services; credit reports are priced starting at EUR 11.50 per query; debt collection fees are governed by IVÖ (Inkassoverband Österreich) fee regulations and recovered from debtors; and insolvency representation fees vary by proceeding type, claim size, and scope. The company serves a horizontal mix of Austrian businesses and private individuals, plus a targeted offering for Jungunternehmer (young entrepreneurs), and is led by Managing Director Mag. (FH) Karl Edlinger.

Name

Akv Europa

Legal name

AKV EUROPA – Alpenländischer Kreditorenverband

Website

https://akv.at

Company type

Private

Founded year

1924

Operating status

Operating

Headcount range

11–50 employees

Short description

AKV EUROPA is an Austrian state-privileged creditor protection association, founded in 1924 in Vienna, providing credit information, debt collection, insolvency representation, and trusteeship services to businesses, private individuals, and young entrepreneurs across all nine Austrian federal states.

Ownership category

akta.pro rank

Product category

Creditor Protection Services

NAICS

Finance and Insurance (52), Trusts, Estates, and Agency Accounts (52592), Legal Services (5411)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Guarantee, Insurance & Risk Mitigation Facilities (BPADACAK)

akta.pro secondary industries

Fraud Risk Management & Anti-Bribery/Anti-Corruption (ABAC) (BPAHAFAL), Structured Trade & Export Credit (ECA-backed, Structured Solutions) (FSABAHAJ)

Keywords

• Creditor protection services
• Debt collection services
• Credit information reports
• Insolvency representation
• Credit risk management

Headquarters

HQ city

Vienna

HQ country

Austria

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Membership Fees: AKV operates as a registered association with a membership model. Members pay an annual fee and receive access to services at reduced member prices. The core membership package 'AKV-Schutzpaket' costs EUR 260 per year, providing creditor protection benefits including free insolvency claim representation up to EUR 3,000.
2. Credit Information / Bonitätsauskünfte: Revenue generated from providing credit reports and creditworthiness checks on Austrian and international companies and individuals. Online credit checks start at EUR 11.50 per query. Access is restricted to members and registered clients who receive reports on open invoice.
3. Insolvenzvertretung (Insolvency Representation): Fees charged for full representation of creditors in insolvency proceedings, including claim registration with the insolvency court, participation in court hearings, enforcement of security rights, plan evaluation, quota collection, and creditor reporting. Costs depend on the type of proceeding (corporate or personal insolvency), the amount of the claim, and the scope of services agreed upon. For members, numerous discounts apply under the annual AKV protection package.
4. Inkasso (Debt Collection): Collection fees are charged according to the guidelines of the Fachverband der Immobilien- und Vermögenstreuhänder. Collection costs are recovered from the debtor as damages alongside outstanding invoices and default interest. Creditors incur no additional costs when the debtor pays on time. Collection claims are accepted from EUR 15 upwards.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

AKV Europa is a state-privileged Austrian creditor protection organization providing credit information (Bonitätsauskünfte) for domestic and international businesses, professional debt collection (Inkasso) for domestic and cross-border claims, representation of creditors in Austrian insolvency proceedings (Insolvenzvertretung), and court-appointed trusteeship services (Treuhandschaft). Services are accessed through an online portal (portal.akv.at) and a nationwide network of regional offices across all Austrian states.

Product overview

AKV EUROPA is an independent, state-privileged creditor protection organization offering a portfolio of interconnected financial services. The core offerings include: Bonitätsauskünfte (credit information services) for risk assessment of domestic and international business partners; Inkasso (debt collection) for both domestic and cross-border claim recovery; Insolvenzvertretung (insolvency representation) as a privileged creditor protection association in Austrian insolvency proceedings; and Treuhandschaft (trust services) for court-appointed trustee functions. These services are accessible through the AKV-ONLINEPORTAL platform, which provides 24/7 access to credit reports, UID verification, company register queries, and case tracking. The AKV-Schutzpaket membership program offers additional cost benefits, while AKV-INFORMATIONEN provides weekly insolvency intelligence reports. The company serves both members (who receive preferential rates) and registered clients across Austria's business community.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Information Services (Bonitätsauskünfte)
• Debt Collection (Inkasso)
• Insolvency Representation (Insolvenzvertretung)
• Trusteeship Services (Treuhandschaft)
• Advisory & Consulting Services (Beratung)

Quantifiable outcome

• Over 75% average success rate in extrajudicial debt collection
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• CRIF GmbHcoreTechnology or IntegrationCRIF GmbH (Rothschildplatz 3/Top 3.06.8, 7020 Wien) is a credit bureau and data provider used by AKV to verify the identity and creditworthiness of debtors when required in the course of business relationships.
• Dun & Bradstreet Austria GmbH (formerly Bisnode Austria GmbH)coreTechnology or IntegrationDun & Bradstreet Austria GmbH (Jakov-Lind Straße 4/1, 1020 Wien) serves as a credit information provider, supplying AKV with credit data on companies and individuals for creditworthiness assessments and debtor evaluations.
• Inkassoverband Österreich (IVÖ)coreOthersAKV is a member of the Inkassoverband Österreich (IVÖ), the Austrian collection industry association, and is subject to the industry's professional standards and the regulation on maximum fees for collection institutes (Verordnung über die Höchstsätze der Inkassoinstituten gebührenden Vergütungen, BGBl. 141/96).
• DIGIHOUSE WerbeagenturminorOthersDIGIHOUSE Werbeagentur is credited for the conception, design, and programming of the AKV Europa website (www.akv.at).
• AKV-Vertrauensanwälte (AKV Trust Lawyers)coreImplementation/ SI/ Consulting PartnerAKV works with a network of trusted external lawyers (AKV-Vertrauensanwälte) for court representation in debt collection proceedings. These lawyers are selected for their regional expertise and familiarity with local court specificities, and AKV coordinates billing with clients' legal expense insurance.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Creditreform: Major German-headquartered credit bureau and debt collection network with Austrian operations; offers similar credit reporting, business information, and receivables management services to Austrian businesses.
• KSV1870: Austria's other major creditor protection association (Kreditschutzverband von 1870), directly comparable to AKV in providing credit information, debt collection, insolvency representation, and trustee services under the same § 87a IO privileged framework.
• Bürgel Wirtschaftsinformationen: Credit bureau and business information provider in the DACH region providing credit reports, debt collection, and receivables management — overlapping directly with AKV's credit information and collection services.

Broad incumbents

• Intrum: Europe's largest listed debt collection and credit management services group; comparable in scale of debt collection and receivables management services across multiple European geographies.
• Allianz Trade (Euler Hermes): World's largest trade credit insurer; competes in the broader B2B credit risk management space that overlaps with AKV's credit information and creditor protection value proposition.
• Coface: Global credit insurance and B2B risk management provider; adjacent competitor in helping Austrian businesses manage debtor and insolvency risk, though focused on insurance rather than collection.
• Dun & Bradstreet (Austria): Global data and analytics incumbent (formerly Bisnode Austria) supplying credit and business information at scale; comparable in its international credit reporting capability that AKV also offers to members.

Emerging players

• Pair Finance: Digital-first, AI-driven debt collection platform operating across Europe; represents the modern technological threat to traditional collection models like AKV's human-and-legal-intensive approach.
• CRIF: European credit bureau and data analytics provider that is both a partner (data supplier) and a partial competitor in Austria's credit information and identity verification market.

Regional players

• Schufa: Germany's dominant consumer and business credit bureau; comparable credit information and risk scoring capabilities, though operating in Germany rather than Austria and focused more on consumer credit.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/AKV_Europa
• YouTubeyoutube.com/channel/UCd5uiM3bptR5cmmETUHzHsQ
• LinkedInlinkedin.com/company/akv-europa

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Akv Europa