Europa Factor S.p.A.

What Europa Factor S.p.A. does

Europa Factor S.p.A. is a privately-held Italian financial services company headquartered in Rome, founded in 2003. The firm operates in the credit-services value chain, providing three principal service lines: credit management for performing and distressed exposures, pro-recourse assignment (the transfer of receivables with recourse retained by the originator/seller), and consulting on low & non-performing loan (NPL) portfolios aimed at banks, financial institutions, and corporate creditors.

Its customer base is B2B and concentrated in the Italian banking and financial services sector, with likely adjacency to corporates requiring receivables-management or distressed-debt advisory support. The company has built to a 251-500-employee footprint over more than two decades, with leadership including Stefano Sagripanti as Head of Finance and Markets, indicating a dedicated capital-markets and structured-finance orientation alongside servicing operations.

The business model is service-fee based: recurring management fees on administered receivables and NPL portfolios, plus transaction-based or advisory fees on pro-recourse assignments and consulting mandates. Inputs do not disclose pricing, customer logos, contract structures, geographic footprint beyond Italy, technology stack, or revenue figures, so the depth of recurring vs. project-based revenue, channel mix, and digital/automation maturity cannot be verified from the available evidence.

Name

Europa Factor S.p.A.

Website

https://europafactor.it

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

251–500 employees

Short description

Europa Factor S.p.A. is a privately-held, Rome-based Italian financial services firm founded in 2003 that provides credit management, pro-recourse receivables assignment, and consulting on low and non-performing loan portfolios to banks, financial institutions, and corporate creditors in Italy.

Ownership category

akta.pro rank

Headquarters

HQ city

Rome

HQ country

Italy

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Core offering

Europa Factor S.p.A. provides credit management services, pro-recourse assignment of receivables, and consulting services for low-performing and non-performing loans (NPLs). The firm operates in the Italian financial services market, supporting clients in managing distressed credit portfolios and receivables workflows.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Management Services End-to-end credit management for clients, covering receivables monitoring, collections, and credit portfolio oversight. Targeted at banks, financial institutions, and corporate clients with credit exposure.
• Pro-Recourse Assignment Pro-recourse assignment of receivables, transferring credit risk with seller recourse. Aimed at businesses seeking to monetize receivables while retaining defined risk allocation.
• NPL and Low-Performing Loan Consulting Advisory and consulting services for non-performing loans (NPLs) and low-performing loans, including portfolio assessment, recovery strategy, and workout advisory. Targeted at banks, investors, and financial institutions managing distressed assets.

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves2 records

Expansion highlights1 record

Direct peers

• Cerved: Italian credit information, NPL servicing and credit management group. Overlaps with Europa Factor on credit management and NPL advisory.
• Banca Sistema: Italian bank with a factored receivables and NPL purchase/servicing franchise. Directly comparable to Europa Factor on factoring and credit management.
• Prelios: Italian platform focused on NPL servicing, special situations and credit asset management. Overlaps with Europa Factor on the NPL consulting and credit management side.
• Banca Ifis: Italy's leading dedicated factoring bank, offering pro-recourse and non-recourse receivables financing plus NPL servicing. Directly comparable to Europa Factor on pro-recourse assignment and NPL advisory.
• Credito Fondiario: Italian specialty finance and NPL servicer active in credit management, NPL purchasing and servicing. Comparable across Europa Factor's credit management and NPL consulting offerings.
• Hoist Finance: European specialist in NPL portfolio acquisitions and debt servicing. Comparable to Europa Factor on NPL consulting given shared Italian/European distressed credit exposure.
• doValue: Italian NPL servicer serving banks and investors, handling portfolio management, master servicing and special situations. Comparable to Europa Factor's NPL consulting work.
• Intrum: Europe's largest credit management and debt collection group, combining receivables servicing, debt purchasing and advisory. Comparable to Europa Factor's credit management and low/NPL consulting service lines.

Regional players

• B2Holding: Nordic-headquartered credit management and debt purchase group with pan-European operations. Comparable on NPL servicing; territorially Nordic-weighted relative to Europa Factor's Italian base.
• Kruk: Leading Central European debt management and consumer NPL purchaser. Comparable business model but operates primarily in Poland and adjacent markets, not direct overlap in Italy.

Market position

Strengths4 records

Weaknesses3 records

Competitive moat3 records

Key risks3 records

Key highlights4 records

Customer concentration

• LinkedInlinkedin.com/company/europa-factor-spa

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&A

Investments

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

Frequently asked questions about Europa Factor S.p.A.