Impleco

What Impleco does

Impleco GmbH is a Berlin-based digital platform company founded in 2020 that builds white-label digital ecosystems for the German cooperative banking sector (Genossenschaftliche FinanzGruppe). The company operates two interconnected products: PIA (Persönliche Immobilien Assistentin), a white-label platform that allows cooperative banks to offer digital real estate services across the buy, build, and modernize lifecycle with property search, digital consultation, and connection to vetted regional experts; and Wohnglück.de, a consumer-facing content and service platform reaching over 1 million users monthly with property listings, editorial content, and partner integrations. The company holds German regulatory registrations as a loan intermediary (§34c GewO) and real estate loan intermediary (§34i GewO), and its Berlin headquarters is located in the Friedenau district.

The business model is anchored in recurring B2B SaaS subscriptions from cooperative banks, augmented by transaction-based commissions from partner service providers (financing, construction monitoring, renovation consulting). Impleco does not sell directly to consumers; instead, it deploys white-labeled platform solutions customized to each bank's branding and integrated into the bank's digital presence. Pricing is quote-based and tailored to each bank's configuration requirements. Go-to-market is sales-led, with direct enterprise engagement, annual industry events (IMPLECON in Mainz), and partner-channel marketing through shareholder banks.

Impleco originated as a spin-off from a joint community project of three PSD Banks (Berlin-Brandenburg, Rhein-Ruhr, and Westfalen-Lippe) and expanded through the April 2021 acquisition of Wohnglück.de from Bausparkasse Schwäbisch Hall and the August 2022 integration of DeinNeuesZuhause.de. The shareholder base comprises founding bank partners and, from late 2024, amberra — a venture studio backed by approximately 180 cooperative banks — which led the November 2024 Series A and a subsequent February 2025 financing round totaling approximately $10.5 million.

Name

Impleco

Legal name

Impleco GmbH

Website

https://impleco.de

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Impleco GmbH is a Berlin-based digital platform company that builds white-label real estate ecosystems (PIA) and consumer housing content platforms (Wohnglück.de) for the German Genossenschaftliche FinanzGruppe cooperative banking network, serving approximately 180 cooperative banks.

Ownership category

akta.pro rank

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Platform SaaS Subscription: Impleco generates revenue through annual subscription fees for its white-label platform solutions (PIA) provided to cooperative banks. Banks pay for access to the platform, customization, and ongoing development. The platform strengthens banks' core business, generates qualified leads, and opens additional commission-based revenue streams from partner services.
2. Partner Network Commissions: Revenue from commission-based partnerships with service providers (experts, contractors, financing partners) featured on the platform. The platform connects users with vetted regional partners for services like property valuation, construction monitoring, and renovation consulting.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Impleco develops and operates the digital ecosystem "Bauen und Wohnen" (Building and Living) for the German cooperative banking network. Its core product is the white-label platform PIA (Persönliche Immobilien Assistentin), delivered to cooperative banks to offer their customers digital services around buying, building, and modernizing real estate. Complementing PIA, Impleco runs the consumer-facing portal Wohnglück.de, providing property listings, editorial content, and matchmaking with vetted regional experts and partner service providers.

Product overview

Impleco GmbH is a digital ecosystem provider for the German cooperative banking sector (Genossenschaftliche FinanzGruppe), operating two interconnected products: PIA (Persönliche Immobilien Assistentin) as a white-label platform for banks offering real estate services in the areas of buying, building, and modernizing; and Wohnglück.de as a consumer-facing real estate portal with editorial content and partner services. The ecosystem, branded as 'Digitales Ökosystem Bauen und Wohnen', aims to generate qualified leads for banks, strengthen customer loyalty, and differentiate cooperative banks from competitors through digital services in the housing domain.

Differentiator

Problem solved

Functional benefit

Brands

• PIA (Persönliche Immobilien Assistentin): A white-label digital real estate platform for cooperative banks (Genobanken) offering services across buying, building, and modernizing real estate, including a customer journey spanning property search, financing, and support services.
• Wohnglück.de
• DeinNeuesZuhause.de

Products and services

• PIA (Persönliche Immobilien Assistentin) White-label digital platform solution for cooperative banks (Genobanken) providing comprehensive services around real estate purchase, construction, and modernization. Includes three integrated portal modules covering BUY (Kaufen), BUILD (Bauen), and MODERNIZE (Modernisieren), with property search, digital consultation, and connection to vetted regional experts, all configurable to each bank's brand identity.
• Wohnglück.de High-reach consumer-facing real estate portal with editorial content and services around building and living. Reaches over 1 million users monthly with property listings, articles on buying/building/living/modernizing, and integration with vetted regional partner services connected to the cooperative banking network.
• Impleco Digital Ecosystem Bauen & Wohnen Unified digital ecosystem for the Genossenschaftliche FinanzGruppe combining the PIA white-label bank platform with the Wohnglück.de consumer portal. Provides services from property search through financing to modernization support, designed to strengthen core banking business, customer retention, and reach new digital target audiences in the housing domain.

Quantifiable outcome

• Over 1 million monthly users on wohnglück.de platform
• +1 more outcomes

Named customers5 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Bausparkasse Schwäbisch HallcoreStrategic or Co-development PartnerBausparkasse Schwäbisch Hall is the largest German building society with over 7 million customers. The company merged with Impleco in April 2021 to expand the ecosystem for the cooperative banking network. Schwäbisch Hall is both a shareholder and strategic partner, providing access to their customer base and complementary building finance products.
• PSD Bank Berlin-BrandenburgcoreStrategic or Co-development PartnerPSD Bank Berlin-Brandenburg was a co-founding partner in the joint project that created Impleco. As one of three original PSD Banks involved in the project, the bank continues as a key shareholder and reference customer for the PIA platform.
• PSD Bank Rhein-RuhrcoreStrategic or Co-development PartnerPSD Bank Rhein-Ruhr was a co-founding partner in the joint project that created Impleco. The bank continues as a key shareholder and reference customer using the PIA platform for its digital real estate services.
• PSD Bank NordminorChannel Partner/ Reseller/ DistributorPSD Bank Nord is a shareholder partner using Impleco's platform solutions. The bank distributes PIA and related services to its customers as part of its digital banking offering.
• VR-Bank Westfalen-LippeminorChannel Partner/ Reseller/ DistributorVR-Bank Westfalen-Lippe is a shareholder partner using Impleco's platform solutions. The cooperative bank distributes PIA and ecosystem services to its retail and business customers.
• Genossenschaftliche FinanzGruppecoreStrategic or Co-development PartnerThe Genossenschaftliche FinanzGruppe (Cooperative Banking Network) is the primary ecosystem Impleco serves. With approximately 180 cooperative banks and associated companies, the network provides the distribution channel and customer base for Impleco's platforms. Impleco builds digital ecosystem solutions specifically for this network under the 'Beyond Banking' approach.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Finleap (via Finconomy ecosystem): Berlin-based fintech ecosystem builder that builds, invests in and partners with multiple financial-services platforms (including Solaris). Comparable to Impleco in operating model as a fintech venture studio/ecosystem builder, though Finleap is broader in scope and more mature as an institutional platform investor.
• Raisin GmbH (deposit solutions): Berlin-based deposit and investment marketplace platform that partners with banks across Europe to distribute savings products. Comparable to Impleco as a German B2B platform company monetizing bank partnerships, though focused on deposits rather than real estate.

Others

• Bausparkasse Schwäbisch Hall: Largest German building society with over 7 million customers and a shareholder/strategic partner of Impleco. Included not as a direct competitor but as a critical ecosystem participant whose distribution and complementary building-finance products materially shape Impleco's GTM and product roadmap.

Direct peers

• Solaris SE (formerly Solarisbank): Berlin-based Banking-as-a-Service platform providing regulated infrastructure and embedded finance APIs to banks, fintechs and corporates. Comparable to Impleco as a German B2B platform company that sells white-label / embedded technology into financial institutions, though Solaris operates in the regulated banking layer rather than consumer-facing real estate.
• Hypoport AG: Listed German fintech whose Europace platform underpins mortgage and real-estate financing distribution for banks and intermediaries across Germany. Highly comparable to Impleco in that both build transaction infrastructure connecting banks, consumers and real-estate service providers, with Hypoport operating at much larger scale and broader scope.
• Interhyp GmbH: Germany's largest independent mortgage broker, providing a digital platform that matches consumers with bank financing products. Comparable to Impleco because it operates in the same German real-estate purchase journey and serves both retail consumers and partner banks, competing for the same lead-generation flow.
• Scout24 SE (Immobilienscout24): Listed German operator of Immobilienscout24, the country's leading real-estate marketplace serving consumers seeking property listings, valuation tools and related services. Directly comparable to Wohnglück.de on the consumer side and a structural competitor for the same property-search intent traffic in Germany.

Emerging players

• PlanetHome Group: German real-estate services company providing brokerage, financing and brokerage management services to bank partners and consumers. Comparable to Impleco in serving as a real-estate intermediary layer for German banks, with overlapping customer base but a more transaction-based revenue model.
• Zinsland (Exporo): Hamburg-based digital real-estate investment and crowd-financing platform serving German consumers and project developers. Tangentially comparable to Wohnglück.de as a German real-estate fintech with a consumer-facing property platform, though Zinsland focuses on investment rather than purchase / modernization.
• McMakler GmbH: Berlin-headquartered hybrid real-estate broker combining a digital platform with on-the-ground agent services for property buyers and sellers in Germany. Comparable to Wohnglück.de as a German digital real-estate platform, but McMakler focuses on brokerage intermediation rather than bank-channel partnerships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/impleco
• LinkedInlinkedin.com/company/impleco-gmbh
• Instagraminstagram.com/wohnglueck.de
• Xx.com/implecogmbh

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds1 record

Investors1 record

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 Impleco