BID group of companies

What BID group of companies does

BID group of companies (BID Unternehmensgruppe) is a privately held German conglomerate headquartered in Coburg, founded in 1985, providing end-to-end receivables management, debt collection, credit information, address investigation, and factoring services across seven industry verticals. The group operates through four wholly owned subsidiaries: BID Bayerischer Inkasso Dienst GmbH (domestic collection, the parent), Profaktura Auslandsinkasso GmbH (international collection with on-site representation worldwide), ProCash Collection Services GmbH (collection services), and CRIF Bürgel Coburg GmbH (credit and economic information). Its technology stack centres on proprietary SAP interfaces for automated debt transfer and status synchronisation, a debtor-facing Serviceportal for self-service payments and installment plans (compliant with BITV 2.0/BFSG), and integration with the CRIF network providing access to 45+ million data records and 5,500+ registration offices for five-tier address investigation.

The company monetises through transaction fees on debt collection cases (domestic precollection, judicial dunning, phone collection, enforcement), recurring monitoring fees on enforced claims, transaction fees on credit reports and address searches, and balance-sheet income from factoring/purchased receivables. Go-to-market is sales-led and B2B, with dedicated account management for 1,300+ cross-sector clients, supported by direct enterprise sales, digital self-service channels, and international on-site representation. BID holds regulatory registration under § 10 Abs. 1 Nr. 1 RDG, is a member of BDIU, and operates under GDPR with a designated data protection officer. No revenue is publicly disclosed; the group is led by managing directors Frank Fenske and Andreas Wöhner and remains independent of corporate, PE, or VC ownership.

Name

BID group of companies

Legal name

BID Bayerischer Inkasso Dienst GmbH

Website

https://bid-coburg.de

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

251–500 employees

Short description

BID group of companies is a privately held German receivables management and debt collection conglomerate, founded 1985 in Coburg, serving 1,300+ B2B clients across banking, e-commerce, logistics, healthcare, trades, telecom, and veterinary sectors with domestic and international collection, credit information, address investigation, and factoring services.

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Collection Agencies (56144), Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Debt Recovery & Asset Recovery (Repossession Coordination, Collateral Recovery) (BPAAAEAE)

akta.pro secondary industry

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

Keywords

• Debt collection services
• Receivables management
• Credit information services
• Address investigation
• Debt purchase factoring

Headquarters

HQ city

Coburg

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Debt Collection (Inkasso) Services: Fees charged for pre-collection, extrajudicial and judicial dunning procedures, phone collection, and enforcement/execution services for domestic (Inkasso Inland) and international debt collection (Inkasso Ausland).
2. Monitoring / Surveillance Services: Long-term surveillance of enforced/titulated claims (Überwachungsverfahren) with ongoing monitoring fees.
3. Factoring / Debt Purchase (Forderungskauf): BID purchases receivable portfolios or individual receivable packages, providing immediate liquidity to sellers. Revenue generated from the eventual recovery of purchased debts.
4. Credit Reports & Screening: B2B company information, short reports, financial statements, and B2C scoring products sold as single queries or via subscription/delivery contracts.
5. Address Investigation Services: Address investigation services with five cost-transparent investigation tiers, charged per search or investigation stage.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

BID group is a German receivables management and debt collection company that helps businesses recover overdue receivables and assess debtor creditworthiness. Its service portfolio spans domestic and international debt collection (pre-legal and judicial), factoring / debt purchase, credit reports, address investigation, and SAP-integrated case handoff. The firm also delivers industry-specific solutions for verticals such as veterinary practices, trades, healthcare, telecommunications, and e-commerce, and serves more than 1,300 corporate clients from its headquarters in Coburg.

Product overview

BID Unternehmensgruppe (BID group of companies) is a debt collection and receivables management conglomerate comprising multiple sub-brands: BID Bayerischer Inkasso Dienst GmbH (the primary company, operational since 1985), Profaktura Auslandsinkasso GmbH (international debt collection), ProCash Collection Services GmbH (collection services), and CRIF Bürgel Coburg GmbH (credit information services). The unified product portfolio centers on debt collection and claims management, with core services including National Debt Collection (Inkasso Inland), International Debt Collection (Inkasso Ausland), Monitoring (Überwachungsverfahren), Credit Reports (Wirtschaftsauskünfte), Credit Screening (Bonitätsprüfung), Address Investigation (Anschriftenermittlung), and Forderungskauf/Factoring. Add-on modules include SAP Integration (enabling automated processes for SAP-using clients) and Industry Solutions (Branchenlösungen) with specialized offerings for banking, e-commerce, logistics, healthcare, trades, telecommunications, and veterinary sectors. The group operates digital platforms including the Serviceportal (self-service portal for debtors) enabling payment, installment setup, and digital communication. The portfolio spans the full receivables lifecycle from prevention (credit screening) through collection (domestic/international) to enforcement (monitoring) and exit (factoring/receivables purchase).

Differentiator

Problem solved

Functional benefit

Products and services

• Domestic Debt Collection (Inkasso) Pre-legal and judicial collection of overdue receivables owed to German businesses, conducted in compliance with the German Legal Services Act (RDG). Service is offered to the firm's 1,300+ corporate clients across multiple verticals.
• International Debt Collection

Named customers7 records

Segments7 records

Ideal customer profiles2 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Profaktura Auslandsinkasso GmbHcoreChannel Partner/ Reseller/ DistributorProfaktura Auslandsinkasso GmbH is a subsidiary of the BID group, providing specialised international debt collection services with on-site representation worldwide. It is listed as a separate legal entity (HRB 2413, Ust-ID: DE 171999428) and shares the same contact infrastructure as BID. It is listed in the Legal Services Register (Reference: 2024 0000 9199).
• ProCash Collection Services GmbHcoreChannel Partner/ Reseller/ DistributorProCash Collection Services GmbH is a subsidiary of the BID group, forming part of the service portal ecosystem alongside BID and Profaktura. It is a separate legal entity (HRB 4168, Ust-ID: DE 214776169) registered in the Legal Services Register (Reference: 2024 0000 9197) and shares the group's digital infrastructure.
• CRIF Bürgel Coburg GmbHcoreTechnology or IntegrationCRIF Bürgel Coburg GmbH (HRB 6079, Ust-ID: DE 318965362) is a subsidiary providing credit information and economic data services, integrated into the BID group offering. Access to CRIFBÜRGEL's database of 45+ million records and 5,500+ registration offices enables BID's address investigation and credit scoring services.
• Unzer Luxembourg S.A.minorOthersUnzer Luxembourg S.A. (Société anonyme, Parc d'Activité Syrdall 2, 18–20 rue Gabriel Lippmann, L-5365 Munsbach) is used as the payment service provider for processing payments within the BID service portal. Handles payment data processing as its own responsible entity.
• SAP SEcoreTechnology or IntegrationBID has developed proprietary SAP interfaces that integrate with SAP's standard 'Transfer to Collection Agency' functionality. BID's own developers manage the build-out and integration of the SAP interface for enterprise clients using SAP ERP systems.
• Bundesverband Deutscher Inkasso-Unternehmen e.V. (BDIU)coreOthersBID is a member of the BDIU, the German Federal Association of Debt Collection Companies. BDIU provides quality standards, oversight, and a code of conduct for member agencies. BID's BDIU membership is displayed on its service portal and corporate website.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Creditreform: Germany's leading provider of business credit reports, credit ratings, and debt collection services; operates a national network of member offices with the same product mix (Wirtschaftsauskünfte, Bonitätsprüfung, Inkasso) as BID, and serves overlapping SME and enterprise customers.
• EOS Group: EOS is the largest German debt collection and receivables management group, offering domestic and international B2B/B2C collections, factoring, and credit information—directly overlapping with BID's core offerings across the same regulatory and client landscape.
• Tesch Inkasso: Mid-sized German debt collection company providing B2B and B2C Inkasso services with strong focus on commercial collections; comparable to BID in scale and target SME clients.
• Atradius Collections: Dedicated international debt collection arm of Atradius, providing B2B receivables management worldwide; competes with Profaktura on cross-border commercial collections.
• Lowell: UK-headquartered European debt purchaser and servicer active across the DACH region; competes with BID in receivables purchasing (Forderungskauf), portfolio servicing, and B2C collections via digital channels.
• Intrum: Sweden-based European leader in credit management services, including debt collection, purchasing, and credit information; competes head-to-head with BID's Profaktura in cross-border mandates and represents the pan-European scale benchmark for international clients.
• Paigo: German fintech specialising in consumer receivables purchase and digital debt servicing; competes with BID's ProCash in the buy-now-pay-later and consumer default segments.

Broad incumbents

• Coface: Global trade credit insurance, B2B credit information, and debt collection provider; offers overlapping credit-information and collections capabilities to enterprise customers as part of a broader risk-management portfolio.
• Bisnode (now Dun & Bradstreet): European business information provider (acquired by Dun & Bradstreet) supplying B2B company data, credit reports, and marketing information—directly overlapping with BID's Wirtschaftsauskünfte line.
• CRIF (group level): Italy-headquartered global credit information and business information group; BID's subsidiary CRIF Bürgel Coburg sits within this network, and CRIF at group level offers broader scoring, ID verification, and information services overlapping with BID's Bonitätsprüfung and Anschriftenermittlung.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/bid-bayerischer-inkasso-dienst-ag

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries3 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 BID group of companies