On Geo

What On Geo does

On Geo (on-geo GmbH) is a German software vendor founded in 2002 and headquartered in Erfurt, specializing in digital property valuation and construction financing workflows for the German financial and real estate industry. The company's modular platform comprises five core products: Lora, the market-leading web-based property valuation software used by 98% of German Sparkassen and 20,000+ users; Geoport, a digital marketplace aggregating real estate data from over 1,000 partners; Baufime, an end-to-end construction financing platform supporting 100,000+ transactions and 12,000+ advisors annually; Accumate (formerly STmate, relaunched April 2025), an EAA-certified AI-powered automated valuation model deployed internationally via the Accumin Group; and a Services line for inspections, appraisals, and energy certificates. The firm operates within Accumin Group, a global coalition of 20+ valuation, risk, software, and intelligence companies across 14 countries, and reports operational throughput of 1.5 million+ valuations and 1.9 million data retrievals per year.

The underlying technology is a cloud-native, web-based SaaS architecture with AI/ML applied across the workflow — EAA-certified AVM in Accumate, NLP-based land registry extraction (Doku KI, enhanced via an exclusive 2025 smartextract.ai partnership), computer vision in Lora Mobile for inspections, predictive ESG scoring co-developed with HypZert and vdpResearch, and climate risk assessment via the trademarked K.A.R.L.®-TAXO tool. The platform is integrated into core banking systems (e.g., OSPlus neo for Sparkassen), supports qualified digital signatures (Lora Sign), and is ISO 27001 certified, SOC2 Type 2 hosted, DORA-compatible, and compliant with BelWertV, ImmoWertV, MaRisk, CRR, and GDPR. Leadership is under CEO Matthias Knabe, with a sales organization segmented by customer type (Sparkassen, Kreditinstitute, Makler, Sachverständige) and supported by inside sales, dedicated account management, and field engineering.

Revenue is generated through a mix of recurring SaaS subscriptions (Lora seat/site licenses, Baufime platform fees), usage-based streams (Geoport pay-per-use data marketplace, Doku KI per-document fees of €5-€23.50, Accumate AVM transactions), and professional services (inspections, appraisals, energy certificates). Customers are segmented primarily by vertical: banks and savings banks, real estate and financing brokers (5,500+), appraiser offices (2,400+), the broader Immobilienwirtschaft, investors, and insurers. No external funding rounds or revenue figures are disclosed; the company is privately held as a GmbH within the Accumin corporate structure.

Name

On Geo

Legal name

on-geo GmbH

Website

https://on-geo.de

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

51–100 employees

Short description

On Geo (on-geo GmbH, founded 2002, Erfurt) provides modular SaaS for digital property valuation and construction financing in Germany, anchored by its Lora platform used by 98% of German Sparkassen, plus Geoport data marketplace, Baufime financing workflow, and the Accumate AI AVM; it operates within Accumin Group and serves banks, savings banks, brokers, and appraisers.

Ownership category

akta.pro rank

Product category

Real Estate Valuation Software

NAICS

Offices of Real Estate Appraisers (53132)

SIC

Investment Advice (6282)

akta.pro primary industry

Real Estate Valuation & Appraisal (BPAHANAC)

akta.pro secondary industries

Real Estate Valuation & Appraisal Advisory (FSAEAJAI), Real Estate Market Research & Economic Advisory (Demand/Supply, Location Analytics) (BPAJANAD)

Keywords

• Real estate valuation software
• Automated valuation models
• Construction financing platform
• Property data marketplace
• Mortgage lending software

Headquarters

HQ city

München

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Subscriptions (Lora): Web-based property valuation software (Lora) offered as SaaS with modular components. Can be licensed per seat or as site license. Annual or multi-year contracts typical for enterprise customers (banks, savings banks).
2. Pay-per-Use Data Marketplace (Geoport): Geoport operates on a pay-per-use (pay-per-click) model with no contract commitment, providing access to official property documents, ESG data, and market data for any address in Germany.
3. SaaS Platform Fees (Baufime): Baufime construction financing platform generates revenue through platform licensing fees, likely subscription-based for financial institutions and brokers.
4. Professional Services (Services): On-demand professional services including property inspections (Objektbesichtigungen), standard appraisals (Standardgutachten), and energy certificates (Energieausweise) delivered by certified appraisers across Germany.
5. Document Extraction Fees (Doku KI): AI-powered land registry data extraction offered at three price tiers: Self Service (€5.00), Smart Edit (€9.00), and Full Service including document procurement (€23.50) per land registry extract, plus procurement costs.

Pricing tiers

Go-to-market motion4 records

Distribution channels7 records

Marketing channels13 records

Core offering

On Geo provides modular SaaS solutions for property valuation and construction financing targeting the German financial and real estate industry. Its core offerings include Lora (web-based appraisal software for full and short valuations), Geoport (digital marketplace aggregating real estate data from 1,000+ partners), Baufime (end-to-end construction financing platform), and Accumate (AI-powered automated valuation model). The portfolio is sold to banks, savings banks, brokers, appraisers, and investors, often as integrated workflows spanning data procurement through signed appraisal.

Product overview

On Geo offers a modular portfolio of software solutions for property valuation and construction financing, consisting of five core products: Lora (the leading web-based property valuation platform), Geoport (digital marketplace for real estate data), Baufime (digital construction financing platform), Accumate (AI-powered automated valuation model), and Services (appraisal and inspection services). The products function individually or as an integrated suite, enabling seamless data exchange from preliminary valuation through full appraisal, document procurement, digital signature, and financing processing.

Differentiator

Problem solved

Functional benefit

Brands

• Lora: Leading valuation solution for the financial and real estate industry providing secure values for decision-making certainty.
• Geoport
• Baufime
• Accumate
• Services

Products and services

• Lora Leading web-based property valuation software (Beleihungswertlösung) for the German financial and real estate industry. Supports full appraisals (Vollgutachten), short appraisals (Kurzgutachten), broker valuations, value indications, digital signatures, and ESG scoring. Compliant with BelWertV, ImmoWertV, MaRisk, CRR, and DORA. Used by 98% of German Sparkassen and 20,000+ users; processes 1.5 million+ valuations per year.
• Geoport Central digital marketplace providing fast access to all relevant real estate data and documents for any address in Germany. Aggregates data from 1,000+ partners including land registry offices, cadastral authorities, building authorities, and committees of valuers. Serves 13,000 users with over 800,000 data and service retrievals annually on a pay-per-use basis.

Quantifiable outcome

• Accelerates short appraisals (Kurzgutachten) by 70% through AI
• +5 more outcomes

Named customers17 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability11 records

Feature10 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• HypZert GmbH / vdpResearch GmbHcoreStrategic or Co-development Partner · 9 October 2025Joint development of ESG scoring model for sustainability criteria integrated into Lora. The scoring covers environmental/climate risks, property, building, and energy criteria on a 6-tier rating scale for residential and office properties. Based on CO2 emissions and taxonomy regulation alignment.
• smartextract.ai (dida Datenschmiede GmbH)coreTechnology or Integration · 18 June 2025Exclusive partnership for AI-powered land registry (Grundbuch) data extraction for the financial and real estate industry. on-geo integrates smartextract's AI document processing into Lora and Geoport, enabling rapid digital extraction of land registry data. This replaces manual data entry, significantly reducing user workload and improving data quality. The partnership also optimizes Geoport's existing land registry digitization offering and enables faster data delivery for portfolio processing.
• Accumin GroupcoreOthers · 1 January 2022on-geo is a part of Accumin Group, which unites more than 20 leading independent valuation, risk management, software, and intelligence companies from 14 countries under a global brand. The group operates under the motto 'See value clearly' and amplifies value for customers through combined strengths. on-geo's international distribution of Accumate is facilitated through this group.
• EAA - European AVM AlliancecoreOthers · 1 January 2012Active member since 2012, enabling early involvement in regulatory processes and shaping European AVM standards. Member of the European AVM Alliance and European Mortgage Federation (EMF). on-geo's Accumate holds EAA certification for automated valuation models.
• Over 1,000 German Data Partners (Geoport)coreTechnology or IntegrationGeoport aggregates data from more than 1,000 partners across Germany, including a large number of well-known private data providers and all relevant public authorities (Grundbuchämter, Katasterämter, Bauämter, Gutachterausschüsse). This network provides comprehensive, verified, and quality-assured data with high spatial coverage for any address in Germany.
• Customer Advisory Boards (Kundenbeiräte)minorOthersCustomer advisory boards ensure solutions are developed based on current customer needs. on-geo maintains formal customer advisory boards to gather feedback and guide product development priorities.
• Accumin Home (DeinEnergieausweis.com)minorStrategic or Co-development Partneron-geo offers energy certificate creation (Energiebedarfs- and Energieverbrauchsausweise) via www.DeinEnergieausweis.com as part of the Accumin Group consumer-facing services. BW-Bank / LBBW already uses this service for their customers. Further documents for procurement are planned.

Scale indicators22 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Sprengnetter Experts GmbH & Co. KG: Germany's other leading specialist provider of real estate appraisal software and appraiser tools, with comparable coverage of BelWertV-compliant workflows and HypZert-aligned valuation methodology. Direct competitor to On Geo's Lora offering for appraiser and bank customers in the DACH region.
• PriceHubble AG: European AVM and real estate market analytics SaaS provider serving banks, investors, and asset managers with automated valuations and portfolio analytics. Closely comparable to On Geo's Accumate product in functionality (AVM, portfolio monitoring, market analysis) and target customer segments, though more focused on commercial real estate and broader European deployment.
• VALUE AG (Accumin Group): Sister entity within the Accumin Group providing physical property inspections, appraisals, and data services for banks and insurers across Germany. Direct operational peer to On Geo's professional services arm (Objektbesichtigungen, Standardgutachten) and shares group affiliation and customer base.

Broad incumbents

• Hypoport SE: European fintech platform operating Europace, Germany's leading mortgage transaction platform, with integrated valuation, lead generation, and product distribution. Compares to On Geo across Baufime (mortgage intermediation) and adjacent valuation services, and represents a major competitive threat on bank-facing digital workflows.
• CRIF GmbH (CRIF Group): Global data and analytics provider (Italian-headquartered) operating in Germany with credit bureau, real estate valuation, and Schufa-alternative services for banks. Comparable to On Geo in providing property-related data feeds and valuation workflows to German financial institutions, though broader financial services portfolio.
• Interhyp GmbH: Germany's largest independent mortgage broker (subsidiary of Hypoport), intermediating construction financing for consumers via API-integrated bank products. Comparable to On Geo's Baufime product on the consumer-facing mortgage intermediation side, and named as a customer/integration use case for Baufime workflows.

Emerging players

• Geophy: AI-driven commercial real estate valuation and analytics platform serving institutional investors and lenders across Europe and the US. Comparable to On Geo's Accumate on AI/AVM for commercial properties, though On Geo focuses on residential/lending workflows while Geophy emphasizes CRE capital markets.

Others

• vdpResearch GmbH: Research arm of the German Pfandbrief banks (Verband deutscher Pfandbriefbanken), providing real estate market data, indices, and ESG scoring models — including the HypZert ESG scoring model jointly developed with On Geo. Direct strategic partner and ecosystem enabler for On Geo's valuation and ESG tools.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCwcCo_SODm5xtR6LcrrYr5Q
• Facebookfacebook.com/ongeo200/?locale=de_DE
• LinkedInlinkedin.com/company/on-geo-gmbh
• Instagraminstagram.com/ongeogmbh/?hl=de
• Xx.com/on_geoGmbH

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 On Geo