What PROCHECK24 does

PROCHECK24 GmbH, founded in 2008 and headquartered in Munich (Landshuter Allee 14), operates a B2B digital comparison and mediation platform exclusively serving independent sales partners across Germany, Austria, and Switzerland. The platform aggregates financial, insurance, energy, and telecom products from over 1,500 product partners and serves more than 80,000 registered sales partners, including Versicherungsmakler, Finanzdienstleister, financing specialists, car dealers, tippgebers, and Maklerpools. The company holds regulatory broker licenses under §34c and §34d of the German Trade Regulation Act (GewO), issued by the IHK für München und Oberbayern (registration D-J1GU-JHQ38-62), and is GDPR-compliant with German-hosted infrastructure.

The platform combines product comparison, fully digital application workflows, and partner enablement tools. Core product verticals include installment loans (Ratenkredite), current accounts (Girokonten), credit cards, savings and time deposits (via Raisin/Weltsparen), motor vehicle insurance, income protection (Einkommensschutzbrief), business accounts (added March 2024), and household utilities (electricity, gas, DSL). Differentiated technical components include Sofortkredit — a fully digital instant-credit workflow with real-time bank decisions and payouts as fast as 18 minutes — and Kontoblick, a BaFin-licensed AISDP-powered digital account-insight service integrated via Tink. The stack also offers embedded comparison calculators, a free partner website builder (PROMAKLER24), a marketing automation platform (DIGiDOR), an integrated CRM with SSO, Clearingcenter document verification, and a REST API for back-office integration.

Revenue is generated transactionally through commissions — typically stornofrei (non-cancellable) — on each product successfully mediated through the platform; the platform itself, CRM, and marketing tools are provided free to registered partners. PROCHECK24 maintains joint data-processing relationships with five CHECK24 Vergleichsportal subsidiaries covering finance, cards/accounts, insurance, energy, and telecommunications, alongside direct integrations with Raisin, Tink, NAFI, Bunq, Qonto, FINOM, and others. The company is led by three Geschäftsführer (Dr. Andreas Graf, Daniel Hering, Björn Weikert) with a small internal team (11-50 employees) consistent with a high-leverage platform model, and continues active product-surface expansion through 2024-2025 into instant credit, business accounts, and new eVB variants.

Name

PROCHECK24

Legal name

PROCHECK24 GmbH

Website

https://procheck24.de

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

PROCHECK24 GmbH operates a B2B comparison and mediation platform serving 80,000+ independent German sales partners — brokers, financial advisors, and car dealers — with access to over 1,500 product partners across financial, insurance, energy, and telecom products.

Ownership category

akta.pro rank

Product category

Financial Product Intermediation and Insurance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Agencies, Brokerages, and Other Insurance Related Activities (5242), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Loan Brokers (6163), Insurance Agents, Brokers & Service (6411), Services-Prepackaged Software (7372)

akta.pro primary industry

B2B Marketplaces & Wholesale Platforms (BPAMAGAD)

Keywords

• B2B financial intermediary
• Insurance brokerage platform
• Loan comparison portal
• Product mediation platform
• Broker support services

Headquarters

HQ city

München

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commission from product partner sales: PROCHECK24 earns commission (often described as stornofrei — non-cancellable) for each financial, insurance, energy, or telecom product successfully mediated through the platform. Partners receive commission; PROCHECK24 retains a share. Revenue is transactional and tied to completed sales.
2. Platform and service access (free for partners): The PROCHECK24 platform, comparison tools, CRM, marketing tools, and partner website builder are provided free of charge to sales partners. The platform monetizes through commission generated on partner-mediated product sales rather than charging partners directly.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

PROCHECK24 operates a B2B digital intermediary platform that enables independent sales partners (insurance brokers, financial advisors, car dealers, and banks) to compare and mediate financial, insurance, energy, and telecom products from over 1,500 product partners. The platform provides fully digital application workflows (Sofortkredit, Kontoblick, Online-Abschluss), an integrated CRM, marketing automation (DIGiDOR), free partner websites (PROMAKLER24), and a REST API for system integration. Access for sales partners is free; PROCHECK24 monetizes via commission on successfully mediated product sales.

Product overview

PROCHECK24 operates as a B2B comparison portal offering financial, insurance, and household products exclusively through independent sales partners (insurance brokers, financial advisors, car dealers, banks). The platform is structured around core product verticals (Ratenkredite, Girokonten, Kreditkarten, Tages/Festgelder, Kfz-Versicherungen, Einkommensschutzbrief, Strom-Gas-DSL, Geschäftskonten) supported by a suite of service modules including proprietary comparison technology, embedded comparison calculators, the PROMAKLER24 free broker homepage, DIGiDOR marketing automation, an integrated CRM system, Clearingcenter document processing, and a REST-API for system integration. Key differentiators include the Sofortkredit instant credit product with Kontoblick digital account access for fully paperless applications, multiple eVB options for Kfz insurance, and integration capabilities with DATEV, lexoffice, sevDesk, and various video identification providers. The platform serves over 80,000 sales partners with access to more than 1,500 product partners.

Differentiator

Problem solved

Functional benefit

Brands

• PROMAKLER24: Free website platform for partners with comparison calculators and customer information.
• DIGiDOR

Products and services

• Ratenkredite (Installment Loans) B2B installment loan comparison and brokerage platform enabling intermediaries to find optimal credit offers from over 1,500 product partners. Features Sofortkredit with instant credit decisions and Kontoblick for fully digital application processing.
• Girokonten (Current Accounts) Current account comparison and brokerage for retail customers via partners, covering account features, fees, bonuses, and services across multiple banks including bunq, Postbank, and Deutsche Bank.
• Kreditkarten (Credit Cards) Credit card comparison and brokerage service enabling intermediaries to offer cards with features such as cashback, worldwide free withdrawals, and travel benefits.
• Tages- und Festgelder (Savings and Time Deposits) Savings and time deposit products accessed through the Raisin (Weltsparen) platform, enabling customers to access savings accounts across Europe through a single account with competitive interest rates.
• Kfz-Versicherungen (Vehicle Insurance) Comprehensive motor vehicle insurance comparison using the Nafi professional calculator with Blanko-eVB, eVB am Angebot, and eVB am Antrag options. Coverage includes liability, partial, and fully comprehensive insurance through multiple insurers including Allianz, HDI, Itzehoer, Neodigital, and R+V.
• Einkommensschutzbrief (Income Protection) Income protection product covering occupational disability (AU), unemployment (AL), and accidental death, provided in partnership with Cardif Allgemeine Versicherung.
• Strom - Gas - DSL (Energy and Telecom) Comparison and brokerage service for electricity, gas, and DSL/telecom contracts enabling household cost optimization with potential savings of over 2,500 euros annually.
• Geschäftskonten (Business Accounts) Business account comparison platform launched March 2024 for brokers to offer Qonto, FINOM, FYRST, Postbank, and Deutsche Bank business accounts. Features include DATEV, lexoffice, and sevDesk integrations for automated accounting processes.
• PROMAKLER24 Free broker website service providing partners with a customized website in their corporate design, including integrated comparison calculators, customer information, and social media integration. No technical knowledge required.
• DIGiDOR Marketing Platform Automated marketing platform enabling partners to create customized campaigns including email (up to 500 free emails per month), social media posts, and branded materials with compliant legal notice (Impressum per DDG).
• Integrated CRM (Eigenes CRM) Proprietary customer relationship management system provided to partners with customizable layout, color, and logo. Consolidates customer data, application data, documents, and all platform functions in one interface, with API integrations including Fincrm and individual commission billing.
• Webservice / REST API RESTful web service supporting JSON and XML formats for integrating partner CRMs, broker management software, and back-office systems. Enables automated login, data import/export, and price queries for customer data, applications, and documents, with Single Sign-On support.

Quantifiable outcome

• Partners can help customers save up to €250/month in additional liquidity through product comparison and switching.
• +4 more outcomes

Named customers2 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

Integration15 records

Feature8 records

Partnerships

19 partnerships are on record, tiered core and minor.

• bunqcoreChannel Partner/ Reseller/ Distributor · 1 January 2026Neobank offering four private current account tiers (Free, Core, Pro, Elite) with features including up to 2.26% interest on deposits, zero-FX, virtual cards, Apple/Google Pay, and sustainability features. bunq previously offered only credit cards via PROCHECK24; now expanded to full account offerings.
• QontocoreChannel Partner/ Reseller/ Distributor · 1 March 2024Digital business account provider integrated into PROCHECK24's business account comparison. Features include 24/7 support, online account opening in 10 minutes, integrated accounting (DATEV), SEPA transfers, and business credit lines. 350,000+ companies use Qonto. PROCHECK24 partners can offer 3 months free (code: PROCHECK24).
• FINOMcoreChannel Partner/ Reseller/ Distributor · 1 March 2024Digital business account provider with cashback up to 3%, accounts from €0/month for freelancers and €7/month for businesses, German IBAN, physical and virtual cards. Integrated into PROCHECK24 business account comparison.
• SMAVESTOminorChannel Partner/ Reseller/ Distributor · 1 June 2023Robo-advisor for automated wealth management. PROCHECK24 partners earn recurring commissions on Assets Under Management (AUM) for each referred client. Algorithm-driven portfolio management across DAX, Nasdaq 100, Euro Stoxx 600, and money market instruments.
• CHECK24 Vergleichsportal Finanzen GmbHcoreTechnology or IntegrationPROCHECK24 operates in joint data processing with CHECK24 Vergleichsportal Finanzen GmbH for installment loan mediation. CHECK24 provides comparison technology infrastructure, application processing, and credit decision support. PROCHECK24 handles partner distribution.
• CHECK24 Vergleichsportal Karten & Konten GmbHcoreTechnology or IntegrationJoint data processing for current accounts, savings accounts, and credit cards. CHECK24 provides the comparison technology and processes applications for these product categories.
• CHECK24 Vergleichsportal für Versicherungsprodukte GmbHcoreTechnology or IntegrationJoint data processing for Kfz insurance products (until July 2023). CHECK24 provides the insurance comparison and application infrastructure.
• CHECK24 Vergleichsportal Energie GmbHcoreTechnology or IntegrationJoint data processing for electricity and gas contracts. CHECK24 provides the energy comparison technology.
• CHECK24 Vergleichsportal für Telekommunikationsdienste GmbHcoreTechnology or IntegrationJoint data processing for DSL contracts. CHECK24 provides the telecommunications comparison technology.
• Raisin GmbH (Weltsparen)coreTechnology or IntegrationPROCHECK24 acts as a data processor for Raisin GmbH for deposit product mediation on the www.raisin.com/weltsparen platform. PROCHECK24 enables partners to offer Tagesgeld and Festgeld products from Raisin's partner banks.
• Tink Germany GmbHcoreTechnology or IntegrationBaFin-licensed Account Information Service Provider (AISDP). Tink provides the Kontoblick functionality enabling digital account verification, replacing traditional document submission for credit applications. Data deleted after 30 days.
• NAFI GmbHcoreTechnology or IntegrationKfz insurance comparison calculator integrated into PROCHECK24 CRM. NAFI provides a professional broker-grade comparison engine enabling advanced features like offer saving, SB-variant comparison, and tariff reason visibility.
• zeitsprung GmbHcoreTechnology or IntegrationDocument management provider for Kfz insurance. Zeitsprung handles delivery of policy documents, premium notices, and contract communications for insurance products mediated through PROCHECK24.
• Neodigital Versicherung AGcoreChannel Partner/ Reseller/ DistributorDigital Kfz insurer offering competitive rates and a special 5% discounted 'Wechseltarif' for existing policyholders. Fully integrated into PROCHECK24's Kfz comparison. Available for multiple eVB variants including Blanko-eVB with full coverage options.
• Cardif Allgemeine VersicherungminorChannel Partner/ Reseller/ DistributorProvider of the Einkommensschutzbrief (income protection insurance) product covering occupational disability, unemployment, and accidental death. PROCHECK24 acts as an intermediary for this insurance product.
• FYRST (Deutsche Bank brand)coreChannel Partner/ Reseller/ DistributorDigital business account brand backed by Deutsche Bank. Offers accounts from €0/month, SEPA instant payments up to €100,000, DATEV and sevDesk integration, and high deposit protection. Fully integrated for PROCHECK24 partner mediation.
• PostbankminorChannel Partner/ Reseller/ DistributorBusiness account provider combining digital banking with branch access. Zero monthly fee until 31.12.2026, DATEV integration, business credit line, debit and credit cards.
• Deutsche BankminorChannel Partner/ Reseller/ DistributorPremium business account provider with personal advisory support, 100+ German branches, global network in 42 countries. Available through PROCHECK24 for business customers requiring full-service banking.
• identity Trust Management AGTechnology or IntegrationVideo identification provider for digital identity verification in the loan application process.

Scale indicators6 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• Hypoport AG: Germany's leading B2B platform for financial product distribution, operating broker pools, loan engines (Europace), and insurance/real-estate intermediation infrastructure. Directly comparable as a technology-enabled intermediary connecting brokers, banks, and insurers at scale.
• Verivox: German price-comparison portal for energy, telecom, insurance, and financial products, comparable in scope of verticals served. While Verivox is more consumer-direct and broader in energy/telecom, the product overlap (insurance, banking, utilities) and partner-supplier model make it a relevant direct competitor.
• Interhyp: Germany's largest independent mortgage broker operating a B2B/B2C intermediation model with a broad bank panel. Comparable in operating a comparison-and-mediation platform for financial products with partner brokers, although focused specifically on mortgage lending.
• Dr. Klein Privatkunden AG: German financial product broker with a strong broker-partner network across mortgage, loan, and insurance products. Comparable in acting as an intermediary between product providers and partner brokers/advisors with digital tooling support.
• Smava: German online loan comparison and brokerage platform. Comparable in core loan-comparison intermediation and digital processing, though Smava is more B2C-direct whereas PROCHECK24 is B2B-focused on partner intermediaries.
• Finanzcheck: German online comparison portal for loans, insurance, and banking products, comparable in product breadth across consumer credit and insurance verticals. Similar freemium/comparison-driven intermediation model.
• Jung, DMS & Cie. (JDC Group): German financial services technology and intermediary platform serving insurance brokers, financial advisors, and bank partners with product access and digital tools. Comparable in providing B2B intermediation technology to a large broker/advisor network across insurance and financial products.

Broad incumbents

• CHECK24 (group): Germany's largest B2C comparison portal covering insurance, banking, energy, telecom, and more. PROCHECK24 operates as a B2B-focused affiliate within the broader CHECK24 group, sharing data processing infrastructure; comparable as the dominant incumbent in German comparison but with a B2C rather than B2B go-to-market.

Regional players

• Baufi24: German online mortgage broker connecting consumers with banks via an intermediary partner network. Comparable in operating a digital intermediation platform for credit products with bank partners, though focused exclusively on the mortgage vertical.

Emerging players

• NAFI GmbH: German specialist provider of professional-grade Kfz insurance comparison calculators for brokers, integrated into PROCHECK24's platform. Comparable as a technology vendor enabling broker-grade insurance comparison and a partial overlap in the German insurance intermediary ecosystem.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/PROCHECK24
• YouTubeyoutube.com/channel/UCvzKXYdvPvEcxzG2kDzX-Jg
• Facebookfacebook.com/PROCHECK24
• LinkedInde.linkedin.com/company/procheck24-gmbh
• Instagraminstagram.com/procheck24.de

Compliance5 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 PROCHECK24