FOMA

What FOMA does

FOMA (legal name: FOMA Gesellschaft für Forderungsmanagement mbH, doing business as "FOMA Inkasso") is a Hamburg-based German B2B debt collection platform founded in 2022. It delivers digital receivables management — extrajudicial first-reminder collection, judicial enforcement via a partner law firm, long-term monitoring of judicially-titled claims (enforceable up to 30 years), and insolvency claim registration — for freelancers, tradespeople, mid-sized companies, and large enterprises with unpaid invoices. All collection costs are statutorily borne by the debtor under the German Rechtsdienstleistungsgesetz (RVG), so the service is nominally free for creditors; FOMA earns revenue only on successful recovery via transaction fees (100% principal payout to creditor on standard inkasso, 70% on long-term collection, 75% on insolvency cases plus a €15 flat insolvency case fee).

The platform is built as a cloud-based SaaS product centred on a 24/7 self-serve web portal (login.foma-gmbh.de) where cases can be submitted in under three minutes via online form, PDF/photo upload, or Excel/CSV import. Distribution is anchored on nine live two-click native integrations into major German SMB accounting and ERP systems (Lexware Office, sevdesk, weclapp, Sage Active, BuchhaltungsButler, easybill, pennylane, fynn, WISO MeinBüro), with four additional ERP integrations (Microsoft Dynamics 365 Business Central, Sage Intacct, Xentral, Accountable) disclosed as coming soon. A REST API enables programmatic case submission and bidirectional data exchange for enterprise and partner integrations, and the platform commits to debtor contact within 24 hours of case submission.

The product surface comprises three core services — Anwaltsinkasso (lawyer-based collection), Langzeitinkasso (long-term titled-claim monitoring), and Insolvenzinkasso (insolvency claim management) — plus the Mehrwertmarktplatz, a value-added marketplace that resells complementary services such as Supercheck/CRIF credit checks and address investigation, crebita/R+V receivables insurance, Perseus cybersecurity, Baobab cyber insurance, Frienton financial management, beDirect B2B marketing data, and Q-nnect data integration. The company is registered under §10 Abs. 1 Nr. 1 RDG with the Bundesamt für Justiz and holds €250k-per-case / €1M-annual professional liability insurance with Provinzial. Founding shareholders and management are the sole disclosed owners following a 2022 funding round led by optifor management GmbH.

Name

FOMA

Legal name

FOMA Gesellschaft für Forderungsmanagement mbH

Website

https://foma-gmbh.de

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

FOMA is a Hamburg-based German B2B debt collection platform offering digital, lawyer-led receivables management (extrajudicial, judicial, long-term, and insolvency) for SMBs and enterprises through a self-serve portal with 2-click accounting software integrations and an embedded value-added marketplace.

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ)

Keywords

• Debt collection services
• Receivables management
• Insolvency claims management
• Credit management software
• B2B collections platform

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Debt Collection Success Fees: Primary revenue stream from successful debt collection. All costs are borne by the debtor in case of payment default. Creditor receives 100% of principal amount on successful collection. FOMA charges according to RVG (Rechtsdienstleistungsgesetz). No upfront fees, membership dues, or failure penalties for creditors.
2. Long-term/Post-judgment Collection: Specialized service for already-titled claims (court judgments, payment orders). For claims starting at 300 EUR, FOMA monitors debtor situation long-term and pursues recovery. Success fee: 70% payout to creditor upon successful recovery.
3. Insolvency Case Management: Service for filing claims in insolvency proceedings, ongoing monitoring, and quota tracking. Fixed case fee of 15 EUR with 75% payout to creditor upon successful participation in insolvency distributions. Limited cost risk for creditor.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

FOMA operates a cloud-based B2B debt collection platform that lets creditors (businesses and self-employed professionals) submit unpaid invoices in under three minutes via a web portal, PDF/Excel upload, or directly from integrated German accounting and ERP software. FOMA runs the full collection process — automated 24-hour payment reminders, structured out-of-court contact, judicial proceedings through partner law firm Reinfeldt & Dr. Hellgardt, long-term monitoring of titled claims (up to 30 years) and insolvency claim registration — with all costs borne by the debtor on payment default.

Product overview

FOMA is a cloud-based B2B debt collection platform offering three core services: Anwaltsinkasso (lawyer-based collection) handling extrajudicial and judicial debt recovery with 100% principal payout; Langzeitinkasso (long-term collection) for judicially-certified claims with up to 30-year enforceability at 70% payout; and Insolvenzinkasso (insolvency management) for creditor representation in insolvency proceedings at 75% payout. The platform is accessible via a 24/7 Serviceportal with real-time dashboards and push notifications, accounting software integrations (Lexware Office, sevdesk, weclapp, Sage Active, and others), and a REST API for direct programmatic integration. A Value-Added Marketplace (Mehrwertmarktplatz) provides complementary services including credit checks (Supercheck), address investigation, receivables insurance (crebita), cyber insurance (Baobab), IT security (Perseus), and financial management tools (Frienton).

Differentiator

Problem solved

Functional benefit

Products and services

• Anwaltsinkasso (Lawyer-Based Collection) Full-service debt collection from first written payment reminder through court proceedings, managed in partnership with law firm Reinfeldt & Dr. Hellgardt. Includes extrajudicial, judicial and post-judicial collection, automated 24-hour initial debtor contact, and 100% principal payout to the creditor on successful recovery under RVG-aligned contingency pricing.
• Langzeitinkasso (Long-Term Collection) Long-term monitoring and recovery of already-judicially-certified claims (titled receivables from court judgments or payment orders) that remain enforceable for up to 30 years. Includes economic analysis, ongoing debtor situation monitoring, regular updates via the FOMA Serviceportal and a 70% payout to the creditor on successful recovery.
• Insolvenzinkasso (Insolvency Management) Complete management of creditor claims in insolvency proceedings, including registration with the insolvency table, representation of creditor rights, regular status updates and quota monitoring. Operates on a 15 EUR flat case fee plus 75% payout to the creditor on successful participation in insolvency distributions, with limited cost risk for the creditor.
• FOMA Serviceportal (Customer Portal) 24/7-accessible digital customer portal that creditors use to register, submit collection cases in under three minutes (via online form, PDF upload, Excel/CSV or 2-click accounting-software integration), and track all cases in real time through individually configurable dashboards, push notifications and a complete archive of documents and processing timeline.
• FOMA REST API REST API enabling automated debt submission and bidirectional case data exchange with ERP systems for enterprise customers and partners, supporting invoice and debtor data transfer programmatically alongside the portal and accounting-software integrations.
• Mehrwertmarktplatz (Value-Added Marketplace) Marketplace of complementary services offered through premium partners to FOMA customers, aggregating credit checks, address investigation, receivables insurance, cyber insurance, IT security, financial management and B2B marketing data into a single access point within the FOMA ecosystem.

Quantifiable outcome

• 80% of cases resolved through out-of-court measures (BDUI Inkasso Verband)
• +4 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

Feature4 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Reinfeldt & Dr. Hellgardt RechtsanwältecoreStrategic or Co-development PartnerPartner law firm with over 70 years of experience in collection and insolvency management. Specializes in B2C and B2B debt collection. Handles complex or disputed cases, court proceedings, and provides legal advisory. FOMA works with this firm to offer comprehensive legal collection services from first reminder through litigation. Customers benefit from full-service legal collection without needing to engage separate counsel.
• Lexware OfficecoreTechnology or IntegrationAccounting software partnership enabling 2-click debt submission directly from Lexware Office. Users can transfer open invoices without data loss or typing errors in seconds. Partnership targeted at self-employed and SMBs.
• sevdeskcoreTechnology or IntegrationIntegration partnership with smart accounting software for self-employed. Allows direct login to FOMA portal from sevdesk to submit open invoices for collection.
• weclappcoreTechnology or IntegrationCloud ERP integration for SMEs. Partnership enables direct debt submission from weclapp's all-in-one business process management platform.
• PerseusminorOthersCybersecurity solutions provider on FOMA's value-added marketplace. Offers cyber prevention, risk assessment, and emergency management services for SMEs.
• Supercheck (CRIF/EURO-PRO)coreTechnology or IntegrationCredit check and address verification services on FOMA's marketplace. Supercheck provides online creditworthiness checks for companies and individuals using CRIF data, with up to 90% success rate for address tracing. FOMA customers receive 20 EUR setup fee discount.
• FrientonminorOthersDigital end-to-end financial administration platform on FOMA's marketplace. Covers banking, accounting, reporting, planning, controlling, and tax management for SMEs.
• beDirectminorOthersB2B marketing address provider on FOMA's marketplace. Offers over 5 million German and Austrian business addresses with 100+ attributes for targeted marketing campaigns.
• crebitaminorOthersCredit insurance provider on FOMA's marketplace. Offers single-risk credit insurance with fully digital purchase, backed by R+V Versicherung. No framework contracts or minimum premiums required.
• BaobabminorOthersCyber insurance provider on FOMA's marketplace. Berlin-based cyber insurtech offering combined cyber insurance with integrated cyber security services including weekly risk scans and expert consulting.
• Andre Achtstaetter (adorsys GmbH & Co. KG)minorOthersAdvisory board member with international leadership experience as CEO and Board Member in fintech, banking, software, IT, and insurance companies. Advises on international growth, turnaround, and M&A situations.
• Gunnar Brune (Tricolore Marketing)minorOthersAdvisory board member and business consultant for business models and market strategies. Advisor to AI.HAMBURG network and mentor at AI.STARTUP.HUB. Storytelling expert, author, and speaker on economic topics.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• EOS Group: One of Europe's largest debt collection service providers (Otto Group subsidiary), headquartered in Hamburg. Directly comparable as a comprehensive B2B/B2C collection services provider; FOMA's CEO previously led EOS Finance.
• Creditreform: Germany's leading credit bureau and collection agency network with comprehensive B2B debt collection and credit information services. Directly comparable in product mix and target German SMB market, but at much larger scale and with deep enterprise relationships.
• Intrum: Europe's largest credit management company offering debt collection, purchasing and servicing. Comparable on the collection-services axis, though FOMA focuses on the German SMB digital-first segment while Intrum operates across multiple European markets.
• arvato Financial Solutions: Bertelsmann subsidiary providing large-scale B2C and B2B receivables management, credit risk and debt collection services in Germany and internationally. Comparable product scope and German market focus, at significantly larger scale.
• Atradius Collections: Dutch-headquartered global B2B trade credit management and debt collection provider. Comparable on B2B commercial debt collection and international reach, though positioned more toward larger enterprise customers.
• Coface: French-headquartered global credit insurance and B2B debt collection provider. Comparable on the B2B receivables management and credit information overlap with FOMA's marketplace (credit checks via CRIF/Supercheck, credit insurance via crebita).
• Lowell: European debt recovery and purchasing group operating in the UK, Germany and Nordics. Comparable in offering third-party debt collection and NPL purchasing services, though FOMA is SMB/B2B-focused while Lowell is broader B2C/B2B.

Emerging players

• Pair Finance: Berlin-based digital debt collection startup using AI-driven, behavioral communications. Comparable as a German digital-native collection platform, though Pair Finance is primarily B2C whereas FOMA focuses on B2B creditors.
• Debitos: German online marketplace for trading non-performing loans (NPLs) and receivables. Comparable as a digital-first German debt platform, with stronger emphasis on secondary-market debt trading rather than traditional collection services.

Direct peers

• paao GmbH: German digital debt collection platform offering online claim submission and creditor self-service. Closely comparable to FOMA on product (digital B2B debt collection), target segment (German SMBs), and PLG go-to-market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/FOMA.Forderungsmanagement

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds2 records

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 FOMA