SUBITO

What SUBITO does

SUBITO GmbH is a German software company headquartered in Mörfelden-Walldorf, founded in 1990, and operating as a member of the FINNOFLEET Group. It specializes in credit management and debt collection software, with a particular focus on automated workflow tooling for judicial dunning procedures (gerichtliches Mahnverfahren) and accounts receivable management. The company is ISO/IEC 27001:2022 certified (recertified June 2025) and serves financial services clients across the DACH region, including banks, insurers, and specialized collection service providers. Its Senior Sales Manager Frank Baumgart presented at the bdew Forderungsmanagementkongress 2025, signaling active engagement with the German banking compliance community.

Within the broader FINNOFLEET platform, SUBITO GmbH occupies the Forderungsmanagement (debt management) workstream alongside sibling products Debito, Collecto, and Credito NPL. The wider FINNOFLEET Group positions itself as an integrated credit lifecycle vendor spanning credit financing (Credito, MONTO), promotional business (FGCenter), refinancing (TXS Pfandbrief, TXS CAM, TXS Sustainability, TXS MACCs, TXS Buba Exchange, TXS Refinanzierungsregister), and debt management. The group claims 30+ years of financial sector expertise, 500+ financial services customers, and more than €600 billion in annual processed credit volume across its portfolio.

Revenue mechanics are not separately disclosed for SUBITO GmbH. The €80-90 million (2025) revenue figure cited in the input pertains to the unrelated Italian Adevinta-owned marketplace also called "Subito," and no equivalent disclosure exists for the German entity. Go-to-market is B2B enterprise software distribution into regulated financial institutions, leveraging the FINNOFLEET group's installed customer base and its dedicated Switzerland (DE/FR) and Austria localizations. A 2012 acquisition of GENEVA-ID documents historical inorganic IP buildup within the business.

Name

SUBITO

Legal name

SUBITO GmbH

Website

https://subito.de

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

101–250 employees

Short description

SUBITO GmbH is a German software company and member of the FINNOFLEET Group that provides credit management and debt collection workflow software, including automated judicial dunning solutions, to banks, insurers, and financial services providers in the DACH region.

Ownership category

akta.pro rank

Product category

Debt Collection and Credit Management Software

NAICS

Collection Agencies (56144), All Other Business Support Services (561499)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Specialty Consumer Loan Servicing & Collections (Subprime) (FSAKAOAJ)

Keywords

• Debt collection software
• Credit management solutions
• Accounts receivable management
• Judicial dunning software
• Non-performing loan software

Headquarters

HQ city

Mörfelden-walldorf

HQ country

Germany

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Core offering

SUBITO GmbH provides B2B software solutions for credit management and debt management, with a specific focus on automated workflows for judicial dunning procedures and debt collection processes. The offering is delivered as part of the FINNOFLEET Group's receivables-management (Forderungsmanagement) software portfolio, supporting banks, building societies, and collection service providers in handling default and recovery cases.

Product overview

SUBITO operates as part of the FINNOFLEET Group, providing specialized software solutions focused on debt collection management and automated workflows for judicial dunning procedures. The company offers products for accounts receivable management including debt collection software and automated workflow tools that enable efficient handling of court proceedings for debt recovery.

Differentiator

Problem solved

Functional benefit

Products and services

• Debito — Receivables Management Software Receivables-management (Forderungsmanagement) software solution for financial-services institutions to handle default and debt-collection cases, delivered within the FINNOFLEET Group portfolio that SUBITO GmbH operates in.
• Collecto Collection-process software within the FINNOFLEET Forderungsmanagement portfolio for financial-services institutions managing defaulted accounts.
• Credito NPL Non-performing-loan (NPL) software within the FINNOFLEET Forderungsmanagement portfolio, supporting financial-services institutions in handling distressed credit positions.

Quantifiable outcome

• Revenue growth of approximately 100% over five years (2020-2025)

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Partnerships

One partnership is on record.

• Cristiana AlicatacoreOthers · 1 April 2026Cristiana Alicata appointed as director of mobility and board member, bringing experience from commercial and automotive fields to strengthen the mobility division.

Scale indicators3 records

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• DATEV: Large German cooperative IT provider for tax advisors, auditors, and SMEs, with adjacent financial-process software. Comparable as a German financial-process software incumbent serving a regulated, process-heavy buyer base, although its primary footprint is tax/accounting rather than collections.
• Atruvia: Major German cooperative-banking IT provider (formerly Fiducia & GAD), supplying core banking and adjacent software to Volksbanken and Raiffeisenbanken. Comparable as a competitor and partner in the same bank-IT ecosystem, and explicitly listed as a FINNOFLEET customer.
• Sopra Banking Software: European banking-software vendor with credit and collections modules used by retail and commercial banks. Comparable to SUBITO at the receivables-management layer, with similar buyer profile (mid-to-large European banks) and broader product portfolio.
• msg systems: Large German IT services and software group with deep banking-sector coverage, including credit and risk solutions. Comparable as a broader incumbent serving German banks with software and consulting across the credit lifecycle that competes for the same wallet as SUBITO.
• S-Finanz-Informatik: IT services provider to the German Sparkassen group, with products across core banking and adjacent workflows. Comparable to SUBITO as an incumbent in the savings-banks software stack and a customer of the FINNOFLEET group.
• TDX Group (Equifax): UK-based debt-management and recoveries platform serving banks and creditors across the consumer-credit lifecycle. Comparable to SUBITO in functional scope (collections workflow automation, judicial/regulatory handling) while operating at larger scale and broader geography.

Emerging players

• collectAI (Kaikoo): Hamburg-based AI-driven digital collections platform competing for the same dunning and receivables-management workloads that SUBITO automates. Comparable on product functionality (digital dunning, payment conversion), with a more SaaS-native delivery model.
• PAIR Finance: Berlin-based AI-first digital debt-collection platform serving banks, fintechs, and retailers across Europe. A direct competitive threat to SUBITO in the same German-language market, but differentiated by a modern AI/data architecture and outcome-based pricing.

Direct peers

• EOS Group: One of Europe's largest debt-collection services groups (Otto Group), which also invests heavily in digital collections technology. Comparable to SUBITO at the collections-workflow level, though EOS is also a competitor for outsourced collection services sold to the same German financial-services buyers.
• B+S Banksysteme: Austrian/German vendor of credit-management and lending software for banks and financial institutions. Closely comparable to SUBITO's positioning in the German-speaking bank-software market, with overlapping functional coverage of credit lifecycle and receivables workflows.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

Compliance1 record

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&A1 record

Investments

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

Frequently asked questions about SUBITO