What Edebex does

Edebex is a Belgian payment institution operating a two-sided digital marketplace that connects SMEs holding open B2B invoices with investors seeking short-term, yield-bearing assets. Sellers register online, upload receivables, and after a structured debtor validation process (phone audit plus credit scoring via Allianz Trade combined with Edebex's own 100+ criteria) receive cash within days at a discount of 1-4% of invoice value. Investors purchase these invoices through the same platform, targeting average annualized returns above 5.5% in 2025; Edebex bears the debtor non-payment risk. The company generates revenue through transaction fees on each invoice sale, a €250/year mandatory membership for both sides, and broker commissions paid to a 150-strong intermediary channel.

The underlying technology is a web-based platform (my.edebex.com) supporting multi-language operations (FR, NL, EN, ES) across Belgium, France, Luxembourg, Netherlands, Spain, and Portugal. Core technical components include an invoice listing and auction workflow, an integrated credit scoring engine, and a structured debtor audit process that activates an invoice only after the debtor confirms the audit mail. Supporting tools include an online invoice selling calculator. The platform is certified to ISO 27001, GDPR-compliant, and operates under a National Bank of Belgium Payment Institution License with European passport rights.

Commercially, Edebex pursues a hybrid go-to-market combining product-led self-serve onboarding, an inside-sales motion for debtor validation and lead conversion, and a scaled broker/intermediary channel that drives client referrals. Customer segments split between SME/mid-market sellers seeking working capital without taking on debt and investors seeking short-term returns. Pricing is transparent and variable based on debtor solvency, invoice amount, annual volume, and time to maturity. Recognized with a 2020 European Commission Seal of Excellence and 2018 W&F Best B2B Financing Marketplace award, Edebex has processed more than €2B in cumulative invoice volume across its 12-year operating history.

Name

Edebex

Legal name

Edebex SA/NV

Website

https://edebex.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Edebex is a Belgian fintech operating a regulated digital marketplace where SMEs sell open B2B invoices to investors for immediate cash flow, serving sellers in six European countries under a National Bank of Belgium Payment Institution License with EU passport rights.

Ownership category

akta.pro rank

Product category

Invoice Factoring & Receivables Financing Marketplace

NAICS

Sales Financing (52222)

SIC

Asset-Backed Securities (6189), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Invoice Trading / Receivables Marketplace (P2P) (FSAKAHAH)

Keywords

• Invoice marketplace
• Invoice factoring
• Working capital financing
• Receivables trading
• Alternative lending platform

Headquarters

HQ city

Brussels

HQ country

Belgium

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Transaction Fees on Invoice Sales: Edebex charges fees for each invoice sold on the platform. Fees vary based on debtor solvency, invoice amount, annual volume, and time to due date. Average costs range from 1-4% per invoice, with starting rates from 1% of invoice amount. Fees are charged separately from the sales price.
2. Annual Membership Fee: 250 EUR per year membership fee covering compliance administration costs for both sellers and buyers of invoices. This is a recurring annual subscription.
3. Broker Commissions: Brokers earn commission on service fees from invoices sold by their referred clients, plus commission on annual memberships. The standard annual membership is 250 EUR but brokers can offer discounts up to 150 EUR to their clients.

Pricing tiers

Go-to-market motion3 records

Distribution channels2 records

Marketing channels5 records

Core offering

Edebex operates a digital online marketplace that enables businesses to sell their open (non-due) B2B invoices to a network of investors in exchange for immediate cash flow, typically within days. Sellers (SMEs and mid-market companies) upload invoices and receive payment once an investor purchases the receivable, while investors earn short-term, risk-assessed returns. The platform charges transaction fees (1–4% per invoice) and an annual membership fee of €250, and is supported by a network of 150 brokers who refer clients.

Product overview

Edebex operates a dual-sided online marketplace connecting companies with open invoices (sellers) seeking immediate cash flow to investors looking for short-term investment opportunities. The core platform consists of two integrated offerings: an Invoice Pre-financing Platform enabling businesses to sell invoices for cash, and an Invoice Investment Marketplace where investors purchase invoices for ROI. The platform also includes a Broker Partnership Program allowing intermediaries to refer clients and earn commissions. Supporting tools include an Invoice Selling Calculator for pricing estimates. The platform is accessible via web platform (my.edebex.com) and requires a €250/year membership for all users.

Differentiator

Problem solved

Functional benefit

Products and services

• Invoice Pre-financing Platform Online marketplace where companies can sell their non-due B2B receivables (invoices) to investors for immediate cash flow, typically within days. Targets SMEs and mid-market companies with 30–90 day payment terms from their customers.
• Invoice Investment Marketplace Investment platform that allows investors to purchase invoices from companies in need of liquidity. Provides short-term investment opportunities with average annualized ROI of >5.5% in 2025, with transparent debtor solvency data and pricing.
• Broker Partnership Program A channel program for brokers, financial advisors, and intermediaries to refer clients to Edebex and manage them through a dedicated broker portal. Partners earn commissions on service fees and annual memberships of referred clients; over 150 brokers currently work with Edebex.
• Invoice Selling Calculator An online calculator tool that estimates the selling price of invoices based on invoice amount, payment term, and debtor solvency, helping sellers understand expected proceeds and Edebex fees (starting from 1% of invoice amount) before listing.

Quantifiable outcome

• Average annualized ROI > 5.5% for investors in 2025
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability2 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Allianz TradecoreTechnology or IntegrationAllianz Trade serves as Edebex's credit insurer partner, providing solvency scoring for debtors. Their credit analysis is combined with Edebex's proprietary 100+ criteria to calculate credit ratings for invoice validation and risk assessment.
• KPMGminorOthersKPMG is listed as a partner on the Edebex website, though the specific nature of the partnership is not detailed in available sources.
• CredionminorChannel Partner/ Reseller/ DistributorCredion is listed as a partner, providing financing solutions and potentially referring clients to Edebex's invoice marketplace.
• AltassuraminorChannel Partner/ Reseller/ DistributorAltassura is listed as a partner, potentially referring clients or providing complementary financial services.
• Allianz BelgiumminorOthersListed as a partner on the Edebex website. Specific partnership details not available in the source material.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Finexkap: Paris-based fintech operating a digital invoice financing marketplace for European SMEs and investors. Closely comparable to Edebex in product, target customer (SME sellers), and investor model, with overlapping geographic reach across France and the Benelux.
• MarketInvoice: UK invoice financing marketplace that allows businesses to sell unpaid invoices for immediate cash, backed by institutional investors. Direct functional competitor with the same invoice-trading model, though UK-focused rather than continental Europe.
• Defacto: French fintech providing instant invoice financing to SMEs through a digital platform. Matches Edebex on customer segment (SME sellers), financing mechanic (invoice-backed), and European continental footprint.
• Billie: Berlin-based B2B Buy Now Pay Later provider offering invoice financing for SMEs, primarily serving the DACH region. Comparable to Edebex in providing short-term, invoice-backed working capital to SMEs, with a broader BNPL product set.
• Mintos: European P2P lending marketplace offering access to consumer and business loans, including invoice-backed receivables from multiple originators. Comparable as a regulated marketplace connecting SME loan originators with retail/institutional investors across Europe.

Broad incumbents

• Iwoca: UK and German SME online lender offering flexible working capital lines, including invoice-based products. Comparable as a digital SME financing incumbent with broader credit offerings than pure invoice trading.
• Funding Circle: UK-listed online lending platform serving SMEs with term loans and invoice financing, connecting borrowers to institutional and retail investors. Comparable as a marketplace lender to European SMEs, though broader in product scope.
• Younited Credit: French-regulated consumer and SME credit platform operating across multiple European countries. Comparable as a broad digital credit marketplace with European passport, though focused more on consumer/partner-originated loans than invoice trading.

Emerging players

• Uncapped: London-based revenue-based financing provider for SMEs, with active European expansion. Comparable in targeting European SMEs with non-dilutive, non-traditional working capital, though uses revenue share rather than invoice trading.
• Investly: Estonian invoice financing marketplace that funds SME invoices via institutional and retail investors. Comparable peer with the same invoice-trading mechanic, though smaller scale and more limited geographic footprint than Edebex.

Market position

Strengths1 record

Weaknesses1 record

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/edebex
• YouTubeyoutube.com/c/Edebex
• Facebookfacebook.com/edebex
• LinkedInlinkedin.com/company/edebex
• Instagraminstagram.com/edebex_2014

Compliance3 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 Edebex