OnGuard International

What OnGuard International does

OnGuard International (legal entity Onguard B.V.) is a Netherlands-based software company that develops credit management, collections, and credit insurance software for enterprise finance teams. Founded in 1993 and headquartered in Amsterdam with a registered office in Nederhorst Den Berg, the company has been operating for more than 33 years and is a subsidiary of the European software conglomerate Visma Group.

Its core product is CreditManager, a cloud-based credit management platform hosted on Microsoft Azure (with Rackspace Fanatical Support managing infrastructure) using a single-tenant database architecture that enables simultaneous connectivity to multiple ERP environments including SAP, Microsoft Dynamics 365, Oracle, AFAS, Exact, and AS400/IBM i. The platform is extended by three modules — CreditNext (modern hosted/on-premise deployment), CaseControl (escalation to collection agencies), and PolicyManager (credit insurance and risk management) — plus the Guardian AI Support Assistant. The platform is augmented by integrations to credit bureaus (Altares Dun & Bradstreet, Graydon Creditsafe), credit insurers (Coface, Euler Hermes, Aon), and payment service providers (Buckaroo, Adyen, ING Business, Tikkie Zakelijk, PaybyLink, Serrala, Unified Post).

OnGuard sells exclusively through a direct enterprise sales motion with quote-based annual subscription licensing, supported by dedicated Customer Success Managers and implementation consultants. Named customers include BNP Paribas Leasing Solutions, Lloyds Bank, Volvo Group, Wereldhave Belgium, Soprema, Indaver, Manpower Group, Canon, TomTom, Schiphol, Enexis, TKE Elevators, Youforce, and Samsonite, spanning financial services, manufacturing, automotive, real estate, utilities, travel, and technology. The platform holds an extensive compliance stack (ISO 27001:2022, ISO 27017, ISO 27018, SOC 1/2/3, PCI DSS Level 1, ISAE 3402 Type II, GDPR, Visma VASP Platinum) and targets multinational organisations with 20% DSO reduction, 60% manual-collection time savings, and 40% workload automation as headline customer outcomes.

Name

OnGuard International

Legal name

Onguard B.V.

Website

https://onguard.com

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

101–250 employees

Short description

OnGuard International is a Netherlands-based software company, subsidiary of Visma Group, that develops cloud-based credit management and collections software for multinational enterprises. Its CreditManager platform integrates with multiple ERPs and serves finance teams across financial services, manufacturing, automotive, and utilities.

Ownership category

akta.pro rank

Product category

Credit Management Software

NAICS

Activities Related to Credit Intermediation (5223), Other Activities Related to Credit Intermediation (522390)

SIC

Finance Services (6199)

akta.pro primary industry

Collections, Recovery & Debt Management Platforms (FSAGAHAI)

Keywords

• Credit management software
• Collections management
• Accounts receivable automation
• Credit risk management
• Debtor management

Headquarters

HQ city

Nederhorst Den Berg

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Software Licensing: Subscription-based software licensing for CreditManager, CreditNext, CaseControl, and PolicyManager solutions. Customers receive ongoing access to platform features, updates, support, and cloud infrastructure.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels7 records

Core offering

OnGuard International develops and sells cloud-based credit management software that automates the order-to-cash process for enterprise finance teams. Its core platforms — CreditManager (cloud) and CreditNext (hosted/on-premise) — provide unified collections workflows, dunning, dispute management, and debtor communication across multiple entities, currencies, languages, and ERP systems, supplemented by modules such as CaseControl (agency escalation), PolicyManager (credit insurance), and the Guardian AI support assistant.

Product overview

OnGuard offers a platform-plus-modules credit management suite comprising four named products. The core platform is CreditManager (cloud-based) or CreditNext (hosted/on-premise), providing unified AR automation across entities, currencies, and ERP environments. Three specialised modules extend the platform: CaseControl handles escalation to collection agencies, PolicyManager manages credit insurance and risk, and Guardian provides AI-powered self-service support. The platform integrates with payment providers (Buckaroo, Adyen, ING Business, PaybyLink, Serrala, Tikkie Zakelijk, Unified Post), credit risk data services (Altares Dun & Bradstreet, Graydon Creditsafe), and credit insurers (Coface, Euler Hermes, Aon).

Differentiator

Problem solved

Functional benefit

Brands

• CreditManager: Cloud-based credit management solution that automates processes and provides tools for finance professionals to manage credit, share data in real-time, manage risks, and reduce DSO
• CreditNext
• CaseControl
• PolicyManager
• Guardian

Products and services

• CreditManager

Quantifiable outcome

• 20% DSO reduction within first quarter
• +3 more outcomes

Named customers18 records

Segments6 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

AI capability5 records

Feature9 records

Partnerships

Seven partnerships are on record, tiered core.

• Microsoft AzurecoreTechnology or IntegrationOnguard's CreditManager platform runs on Microsoft Azure public cloud infrastructure, benefiting from enterprise-grade scalability and physical security. Azure provides the foundation for hosting, data storage, and global availability.
• Rackspace (Fanatical Support)coreTechnology or IntegrationRackspace provides technical expertise and managed services for Onguard's cloud environment, actively managing and monitoring the infrastructure alongside Onguard's team to identify and resolve potential issues before they affect operations.
• SAPcoreTechnology or IntegrationDeep integration partnership enabling Onguard to connect to SAP environments (SAP S/4HANA, SAP Business Central) for invoice data, payment records, and customer master data synchronization.
• Microsoft DynamicscoreTechnology or IntegrationIntegration with Microsoft Dynamics 365 Finance & Operations and Business Central, allowing customers running multiple Dynamics environments to consolidate collections views across all entities.
• OraclecoreTechnology or IntegrationIntegration with Oracle Financials enabling organizations to extend Oracle deployments with specialized credit management capabilities from Onguard.
• AFAScoreTechnology or IntegrationIntegration with AFAS Profit ERP system, enabling AFAS customers to add specialized collections functionality without changing their existing ERP setup.
• Visma GroupcoreOthersOnguard is a member of Visma Group, gaining access to Visma's security programme (VASP), 24/7 Global Security Operations Center (GSOC), dark web monitoring, and Platinum-level security standards.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Sidetrade: Sidetrade is a French-listed SaaS provider of AI-driven order-to-cash and credit management software, directly competing with OnGuard's CreditManager for European enterprise accounts. Both target multinational B2B receivables and collections workflows.
• Versapay: Versapay is a Canadian AR automation platform with strong collections and customer portal functionality, competing for mid-market and enterprise B2B receivables workloads comparable to OnGuard's CreditManager use cases.
• Billtrust: Billtrust is a US-based order-to-cash automation platform covering invoicing, credit, collections, and payments — overlapping materially with OnGuard's collections and credit management workflows for enterprise finance teams.
• HighRadius: HighRadius is a US-based autonomous finance platform covering credit, collections, cash application, and deductions — a direct competitor to OnGuard in the enterprise AR automation space, with overlapping AI-led positioning.
• Serrala: Serrala is a Hamburg-based financial automation software vendor covering payments, receivables, and treasury — overlapping with OnGuard's collections and credit risk scope and listed as an integration partner, indicating direct market adjacency.
• Rimilia (BlackLine): Rimilia, now part of BlackLine, offers AI-powered cash allocation and collections software directly comparable to OnGuard's credit management and dunning automation capabilities for enterprise finance teams.
• YayPay (Bottomline Technologies): YayPay, acquired by Bottomline, provides AR automation and collections workflow software targeted at mid-market and enterprise CFOs — closely aligned with OnGuard's enterprise sales-led motion and product scope.

Broad incumbents

• Atradius Collections: Atradius is a large global credit insurer and collections agency that provides both services and supporting technology, competing at the intersection of collections outsourcing and credit risk data that OnGuard targets via CaseControl and PolicyManager.
• Moody's Credit360: Moody's Credit360 is part of a major credit data and risk analytics incumbent, offering broader credit risk management capabilities that overlap with OnGuard's PolicyManager and credit bureau integration functionality at a larger scale.

Regional players

• TIS (Treasury Intelligence Solutions): TIS is a German-based cloud platform for payments, cash, and bank connectivity — adjacent to OnGuard's ERP-integrated financial workflows, primarily serving European enterprise treasuries rather than directly competing in credit management.

Market position

Strengths3 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/onguardhq
• Facebookfacebook.com/onguardgroup
• LinkedInlinkedin.com/company/onguard

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about OnGuard International