b+m Informatik
- Company typePrivate
- Founded1994
- HeadquartersMelsdorf, Germany
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
b+m Informatik firmographics
Firmographics- Name
- b+m Informatik
- Legal name
- FINNOFLEET GmbH
- Website
- https://bmiag.de
- Company type
- Private
- Founded year
- 1994
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
b+m Informatik industry classification
Industry- Product category
- Financial Services Software
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Services-Management Consulting Services (8742)
- akta.pro primary industry
- Lending & Credit Disbursements (FSAMAKAH)
- akta.pro secondary industry
- Financial Planning & Analysis (FP&A) & BI (HDAEAMAG)
Keywords
Where b+m Informatik is headquartered
LocationHeadquarters
- HQ city
- Melsdorf
- HQ country
- Germany
- HQ region
- Europe
Offices2 records
Markets served
b+m Informatik business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Enterprise Software Licenses and Subscriptions: FINNOFLEET derives revenue from licensing its integrated credit lifecycle software suite to financial institutions. Given the enterprise nature of the customer base and the complexity of the solutions, revenue is generated through software licenses (perpetual or subscription-based) combined with maintenance and support contracts.
- Professional Services: Implementation, consulting, and customization services are provided through the Professional Services division to support deployment of the software solutions at customer sites.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
b+m Informatik product offering
Product offeringCore offering
b+m Informatik, operating primarily through its FINNOFLEET brand, provides an integrated enterprise software suite for the entire credit lifecycle at financial institutions. The platform covers credit financing, construction financing, promotional business, refinancing (including Pfandbrief/covered bond management), and receivables management, complemented by professional services for implementation and consulting. Target customers are banks, insurance companies, savings banks, and financial services firms in the DACH region, served via country-specific entities in Germany, Switzerland, and Austria.
Product overview
FINNOFLEET is an integrated software platform connecting all central processes along the credit lifecycle. The portfolio consists of four main solution areas: (1) Credit Financing (Credito, MONTO) for efficient lending workflows from application to disbursement; (2) Support Business (FGCenter) for managing promotional financing programs; (3) Refinancing (TXS suite including TXS Pfandbrief, TXS CAM, TXS Sustainability, TXS MACCs, TXS Buba Exchange, TXS Refinanzierungsregister) providing transparency for sound decision-making; and (4) Receivables Management (Debito, Collecto, Credito NPL) with automated processes and risk management. Extended services include bAVManager, faScan, and Professional Services. The platform processes over 600 billion EUR in credit volume annually across 500+ customers in the financial services industry, with 30+ years of domain expertise. AI is integrated as a supporting element throughout the solutions.
Differentiator
Problem solved
Functional benefit
Brands
- Credito: Credit management software for credit financing processes from application to disbursement.
- MONTO
- FGCenter
- TXS Pfandbrief
- TXS CAM
- TXS Sustainability
- TXS MACCs
- TXS Buba Exchange
- TXS Refinanzierungsregister
- Debito
- Collecto
- Credito NPL
- bAVManager
- faScan
Products and services
- Credito Credit management software for credit financing processes, covering the full credit process from application to disbursement. Designed for banks and credit institutions.
- MONTO Construction financing software for mortgage lending processes, supporting real estate financing workflows.
- FGCenter Support business management software for promotional financing programs, providing clear structures and transparent processes for complex subsidy programs.
- TXS Pfandbrief Pfandbrief (covered bond) management software supporting refinancing operations for mortgage banks and covered bond issuers.
- TXS CAM Credit asset management solution supporting collateral and asset-liability processes for refinancing operations.
- TXS Sustainability Sustainability-focused refinancing module addressing ESG requirements in covered bond and refinancing operations.
- TXS MACCs
- TXS Buba Exchange Central bank exchange interface solution connecting to Bundesbank systems for refinancing operations.
- TXS Refinanzierungsregister Refinancing register management solution for regulatory compliance in covered bond and refinancing activities.
- Debito Receivables management software for optimizing automated claim management and effective risk management.
- Collecto Collection software for receivables management operations, including automated dunning and recovery processes.
- Credito NPL Non-performing loans management software within the Credito product family, supporting NPL portfolio handling and recovery.
- bAVManager Company pension scheme (bAV) management software solution.
- faScan Document scanning and processing software for digitized credit workflows.
- Professional Services Consulting, implementation, and customization services to support deployment of FINNOFLEET software solutions at customer sites.
Quantifiable outcome
- 600+ billion EUR in annual credit volume processed across the customer base
Companies that use b+m Informatik
Customer profileNamed customers19 records
Segments4 records
Ideal customer profiles4 records
b+m Informatik technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature14 records
b+m Informatik partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Liechtensteinisches PfandbriefinstitutcoreThe Liechtenstein Pfandbrief Institute partnered with FINNOFLEET for technology infrastructure enabling the issuance of the first Pfandbrief (covered bond) in Liechtenstein. FINNOFLEET's technology served as the prerequisite and enabler for the Liechtenstein Pfandbrief market launch.
- European Covered Bond Council (ECBC)coreFINNOFLEET actively participates in the ECBC Plenary meetings, the key industry gatherings for the European covered bond market. The company engages with industry developments around AI, sustainability, and regulatory changes affecting covered bonds and refinancing.
- WinCredit CommunitycoreFINNOFLEET maintains a WinCredit user community that holds annual ERFA (experience exchange) meetings. These gatherings bring together users of the WinCredit solution to discuss product releases, roadmap plans, and industry developments.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
b+m Informatik competitors and assessment
Company assessmentEmerging players
- Mambu: Berlin-based cloud-native core banking and lending platform serving challenger and incumbent banks across Europe. Comparable as an emerging player targeting the same credit-lifecycle modernization opportunity, with overlapping DACH customer footprint.
- nCino: Cloud banking software platform focused on commercial lending, onboarding, and credit workflow automation for financial institutions globally. Comparable as an emerging player addressing the same credit-lifecycle automation opportunity with cloud-native delivery.
- Thought Machine: UK-based cloud-native core banking platform (Vault) with growing European bank footprint. Comparable as an emerging challenger to traditional credit lifecycle software vendors, including in DACH markets.
Direct peers
- Hypoport AG: Publicly listed German fintech platform group operating lending marketplaces and credit-process technology for mortgage, consumer, and SME finance. Directly comparable given overlap on construction/mortgage financing workflow software (FINNOFLEET's MONTO competes in adjacent space).
- PPI AG: Germany-based specialist software and consulting firm serving banks, insurers, and asset managers on core processes including lending and payments. Directly comparable as a niche DACH financial-IT peer competing for similar enterprise banking relationships.
- msg group (msg systems AG): One of Germany's largest IT/services groups with a dedicated Financial Services division covering core banking, credit, and insurance software. Most comparable direct peer given overlapping DACH banking-software footprint and similar enterprise field-sales motion.
Broad incumbents
- Temenos: Global core banking and lending platform vendor serving retail, commercial, and Pfandbrief-style secured lending banks. Comparable as a broad incumbent competing for the same credit-software budget line at European banks.
- Atos / Eviden (Banking & Financial Services): Global IT services vendor with strong DACH and financial-services practice covering lending, risk, and regulatory technology. Comparable as a broad incumbent that competes for similar enterprise banking modernization budgets as a wider portfolio player.
- Fiducia & GAD / Atruvia: IT services provider and bank for the German cooperative banking sector (Volksbanken, Raiffeisenbanken). Although also a FINNOFLEET customer, Atruvia competes in adjacent banking-software layers and serves a comparable DACH financial-institution segment as a broad incumbent.
Others
- Bank-Verlag: German bank-owned services and software provider serving savings banks and regional banks. Functions as an adjacent ecosystem participant and indirect competitor on regulatory/banking infrastructure services in the same DACH market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
b+m Informatik social profiles
Digital presenceb+m Informatik compliance and trust
Trust signalCompliance1 record
b+m Informatik financial estimates
Financial estimateRevenue estimate
Valuation estimate
b+m Informatik leadership team
Management profileNumber of profiles
Profiles1 record
b+m Informatik subsidiaries and ownership
Company hierarchySubsidiaries1 record
b+m Informatik funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
b+m Informatik M&A and investment
M&A and investmentM&A2 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about b+m Informatik
What does b+m Informatik do?
b+m Informatik, operating primarily through its FINNOFLEET brand, provides an integrated enterprise software suite for the entire credit lifecycle at financial institutions. The platform covers credit financing, construction financing, promotional business, refinancing (including Pfandbrief/covered bond management), and receivables management, complemented by professional services for implementation and consulting. Target customers are banks, insurance companies, savings banks, and financial services firms in the DACH region, served via country-specific entities in Germany, Switzerland, and Austria.
Is b+m Informatik a public or private company?
b+m Informatik is a private company. It is classified as unknown and is currently operating.
When was b+m Informatik founded?
b+m Informatik was founded in 1994. It employs 11 to 50 people.
Where is b+m Informatik based?
b+m Informatik is headquartered in Melsdorf, Germany, in the Europe region.
How does b+m Informatik make money?
Two revenue lines are on record. Enterprise Software Licenses and Subscriptions are the primary driver. The others are professional Services.
Who are b+m Informatik's main competitors?
Emerging players on record are Mambu, nCino and Thought Machine. Direct peers are Hypoport AG, PPI AG and msg group (msg systems AG). Broad incumbents are Temenos, Atos / Eviden (Banking & Financial Services) and Fiducia & GAD / Atruvia. Bank-Verlag is listed as an others.
Does b+m Informatik have an API?
No public API is recorded for b+m Informatik.
What industry is b+m Informatik in?
b+m Informatik's product category is Financial Services Software. Its primary akta.pro industry code is FSAMAKAH, Lending & Credit Disbursements, with a secondary code of HDAEAMAG, Financial Planning & Analysis (FP&A) & BI. Its NAICS code is 5223 and its SIC code is 8742.