ACREDIA Versicherung

What ACREDIA Versicherung does

ACREDIA Versicherung AG is Austria's market-leading credit insurance provider, founded in 1994 and headquartered in Vienna. The company offers B2B receivables insurance, debt collection, guarantee insurance, and credit assessment services that protect Austrian and Southeast European companies from customer payment defaults and insolvency. Its product portfolio comprises modular credit insurance products (ACREDIA Global, Project, Veto, Easy, Single, TopUp, and the digital-native ACREDIA.digital Shield), guarantee insurance issued in cooperation with Allianz Trade, a fraud/economic-crime cover (ACREDIA Trust), debt collection (ACREDIA Inkasso), international fronting (ACREDIA Fronting), and digital self-service tools including the Produktfinder product finder, Grading credit assessment, and Selbstauskunft self-disclosure service.

The underlying technology stack is a digital credit insurance platform centered on the ACREDIA Customer Tool (ACT) self-service portal, the Early Warning System that monitors payment behavior across 83 million companies worldwide via the Allianz Trade network, and supporting analytics for credit risk assessment. ACREDIA generates revenue through risk-based recurring insurance premiums on open receivables, transaction-fee collection services (including through its Croatian subsidiary ACREDIA Services SEE d.o.o.), guarantee insurance premiums, and professional-services fees for grading and self-assessment. The company serves a diversified base of 2,500+ customers ranging from startups and SMEs to mid-market firms and large enterprises such as AMAG Austria Metall, Erste Group (via Intermarket), and Sattler AG.

The go-to-market is hybrid: dedicated Sales Managers and an insurance broker (Versicherungsmakler) channel serve enterprise and mid-market customers, while the digital Produktfinder and ACREDIA.digital Shield provide self-service onboarding for smaller businesses and startups. Ownership is held via ACREDIA Group Holding AG, 51% by Oesterreichische Kontrollbank AG (Austria's export finance institution) and 49% by Euler Hermes AG (operating as Allianz Trade), giving the firm both domestic regulatory anchoring and global network reach. With roughly 160 employees, offices in Vienna and Zagreb, and active presence across Austria, Slovenia, Croatia, Bosnia-Herzegovina, Serbia, Montenegro, and North Macedonia, ACREDIA combines the data advantage of the world's largest credit insurance group with strong local distribution.

Name

ACREDIA Versicherung

Legal name

ACREDIA Versicherung AG

Website

https://acredia.at

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

101–250 employees

Short description

ACREDIA Versicherung AG is Austria's market-leading credit insurance provider, offering receivables insurance, debt collection, guarantee insurance, and credit assessment services to over 2,500 B2B customers across Austria and Southeast Europe.

Ownership category

akta.pro rank

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, Marketing or Sales, Infrastructure

Revenue model

1. Credit Insurance Premiums: Annual premiums charged to businesses for protecting their open receivables against customer defaults. Pricing is risk-based, considering the creditworthiness of the insured customers and the policy scope.
2. Collection Services: ACREDIA Inkasso service for debt collection, including collection in Southeast Europe through ACREDIA Services SEE. Fees may be charged as a percentage of recovered amounts or flat fees.
3. Guarantee Insurance: Guarantee insurance products offered in partnership with Allianz Trade for various guarantee needs.
4. Credit Information Services: Grading service providing credit assessments of business customers and self-assessment tools for businesses to improve their credit standing.

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

ACREDIA Versicherung is Austria's market-leading credit insurance provider, offering B2B trade credit insurance products (ACREDIA Global, Project, Veto, Easy, Single, TopUp, and .digital Shield) that protect businesses against customer payment defaults. The portfolio is supplemented by guarantee insurance (in cooperation with Allianz Trade), economic crime insurance (ACREDIA Trust), debt collection services (ACREDIA Inkasso), international fronting services, and digital credit assessment tools (Produktfinder, Grading, Selbstauskunft).

Product overview

ACREDIA Versicherung is Austria's leading credit insurance provider offering a comprehensive platform of credit risk management products. The core portfolio consists of credit insurance products (ACREDIA Global, Project, Veto, Easy, Single, .digital Shield) that protect B2B companies against payment defaults from customers. These are supplemented by add-on coverage (TopUp), guarantee insurance in partnership with Allianz Trade, and specialty products like ACREDIA Trust for economic crime protection. The company also provides integrated services including debt collection (ACREDIA Inkasso), international fronting (ACREDIA Fronting), and digital tools such as the Produktfinder, Grading, and Selbstauskunft for credit assessment. The product architecture combines the main credit insurance platform with modular add-ons and services, enabling customized protection from single-customer coverage to enterprise-level international risk management.

Differentiator

Problem solved

Functional benefit

Brands

• ACREDIA Global: Worldwide protection against delinquent customers
• ACREDIA Project
• ACREDIA Veto
• ACREDIA Easy
• ACREDIA Single
• ACREDIA TopUp
• ACREDIA.digital Shield
• ACREDIA Trust
• ACREDIA Inkasso
• ACREDIA Fronting
• ACREDIA Garantieversicherung
• ACREDIA Produktfinder

Products and services

• ACREDIA Global

Quantifiable outcome

• 93.9% customer satisfaction rate
• +2 more outcomes

Named customers12 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Allianz Trade (Euler Hermes Group)coreStrategic or Co-development PartnerACREDIA operates as part of the Allianz Trade network, the world's largest credit insurance group. The partnership provides access to global risk data on 83 million companies and enables international coverage for Austrian exporters. ACREDIA also offers guarantee insurance products in formal cooperation with Allianz Trade.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Coface: Coface is a leading global trade credit insurance provider headquartered in France, operating in ~100 countries. Direct competitor to ACREDIA in credit underwriting, debt collection, and credit information services, particularly relevant for European mid-market and SME segments.
• Atradius: Atradius is one of the world's three largest trade credit insurers, headquartered in the Netherlands with operations across Europe, the Americas, and Asia. Directly competes with ACREDIA for export-oriented European B2B clients and offers similar credit insurance, collections, and surety products.
• Credendo: Credendo is a Belgium-headquartered European credit insurance group operating in 15+ European countries, focused on trade credit, surety, and credit information. Comparable in size and regional European focus to ACREDIA, serving similar SME and mid-market export-oriented clients.

Broad incumbents

• Allianz Trade (Euler Hermes): Allianz Trade (formerly Euler Hermes) is ACREDIA's 49% shareholder and the world's largest credit insurer. Operates as both a partner (data on 83 million companies, guarantee insurance co-offering) and a global competitor across most major credit insurance markets outside Austria/SEE.
• Allianz Group: Allianz Group is the ultimate parent of Allianz Trade/Euler Hermes and a global multi-line insurance leader with P&C, life, and asset management operations. Overlaps with ACREDIA via its credit insurance subsidiary and as ACREDIA's indirect shareholder via the 49% Allianz Trade stake.
• Zurich Insurance Group: Zurich Insurance is a major global multi-line insurer offering trade credit insurance through Zurich Credit & Surety. Competes with ACREDIA for mid-market and large corporate credit insurance clients across European markets, though credit insurance is one of many lines in its portfolio.
• Liberty Mutual Insurance: Liberty Mutual operates a global Trade Credit & Surety business through Liberty Specialty Markets, underwriting trade credit insurance for multinational corporates. Comparable offering to ACREDIA's Global and Project products but at substantially greater scale and with global reach.
• QBE Insurance Group: QBE Insurance is a global multi-line insurer with a Trade Credit specialty line serving European and Asia-Pacific corporates. Competes for large-customer credit insurance business in segments overlapping ACREDIA's mid-market and enterprise clients.

Others

• Aon: Aon is a global insurance brokerage and advisory firm with a dedicated Trade Credit practice brokering credit insurance solutions across carriers. Competes indirectly with ACREDIA for broker-led distribution relationships and corporate risk advisory mandates.
• Marsh: Marsh is a global insurance brokerage leader with a Credit Specialties practice placing trade credit insurance for corporate clients. Indirect competitor to ACREDIA's Versicherungsmakler channel relationships and brokering arrangements across European markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/ACREDIA
• LinkedInlinkedin.com/company/acredia-versicherung-ag
• Instagraminstagram.com/acredia.at

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries4 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 ACREDIA Versicherung