Euforma

Name

Euforma

Legal name

Euforma AG für das Forderungsmanagement in Europa

Website

https://euforma.eu

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Debt Collection / Receivables Management

NAICS

Legal Services (5411), Claims Adjusting (524291)

SIC

Services-Legal Services (8111), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Claims, Disputes & Chargeback Support (BPAAABAH)

akta.pro secondary industry

Trust, Safety & Risk Support (Fraud, Abuse, Policy Enforcement) (BPAAABAI)

Keywords

• Debt collection services
• Receivables management
• Credit check services
• Factoring mediation
• Legal advisory services

Headquarters

HQ city

Köln

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, Others

Revenue model

1. Forderungsmanagement (Debt Collection): Fees charged for debt collection and management services. The company uses a tariff-based model (Klassisch, All-inclusive, Risikolos) where customers pay per successful case or per action taken. In some tariff models costs are only charged upon successful recovery.
2. Bonitätsprüfung (Credit Checks): Pay-per-use credit report queries. Pricing is per inquiry (e.g., 50 credit checks for national private individuals at 124.50 EUR). The service has been transitioned to EuroPro as of September 2025.
3. Adressermittlung (Address Investigation): Address lookup and debtor location services charged on a per-inquiry basis. Also transitioned to EuroPro as of September 2025.
4. Titel-Langzeitüberwachung (Judgment Long-term Monitoring): Long-term monitoring of court judgments. Titles secured through Euforma are monitored at no cost; externally obtained titles are monitored for 25 EUR per title.
5. Einrichtungs-/Registrierungsgebühr (Setup/Registration Fee): One-time registration fee charged at onboarding. Standard fee is 25 EUR net for businesses; 50 EUR for private individuals; 10 EUR for startups using the 'Startup' promotional code.
6. Anwaltliche Beratung Vermittlung (Legal Advisory Referral): Euforma refers customers to its partner law firm Brinkmann Rechtsanwälte for legal advisory services. Revenue is generated through referral and service coordination.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Euforma AG provides end-to-end receivables management services through a proprietary 24/7 online portal, covering debt collection (Forderungsmanagement), multi-stage dunning (Mahnwesen), factoring referral, long-term judgment monitoring (Titel-Langzeitüberwachung) valid for up to 30 years, and legal advisory via affiliated counsel. Customers access services on a pure pay-per-use basis with no membership or contract lock-in, and can integrate via an encrypted ERP data interface. Targeted customers span sole proprietors, SMBs, Mittelstand, corporates, and private individuals across Germany and the EU, with vertical specializations in real estate, trades/craft, veterinary medicine, energy, telecommunications, and fitness.

Product overview

Euforma AG operates a modular B2B debt-collection and financial-services platform anchored by its Online-Portal, through which clients access Forderungsmanagement (core debt collection), Mahnwesen (dunning), and Anwaltliche Beratung (legal advisory) via affiliated attorneys. Ancillary services include Factoring referral and Titel-Langzeitüberwachung (long-term judgment monitoring). Its stand-alone Bonitätsprüfung and Adressermittlung products were discontinued 1 September 2025 and replaced by a referral pathway to partner Euro-Pro Gesellschaft für Data Processing mbH (a CRIF company). Pricing follows a pure pay-per-use model with no membership fees, supported by encrypted data-interface integration into customers' ERP systems.

Differentiator

Problem solved

Functional benefit

Products and services

• Forderungsmanagement Full-service debt collection and accounts receivable management covering pre-litigation reminders, lawyer-issued demand letters, telephone collection, installment payment negotiations, and — where necessary — court-ordered payment proceedings via affiliated attorneys. Clients submit claims through the online portal, email, fax, or postal mail, and monitor case status in real time.
• Mahnwesen Multi-stage reminder and dunning service (1–3 stage) managed on the client's own letterhead. Euforma handles drafting and dispatch of demand letters, monitors payment receipts through the web portal, and automatically escalates to affiliated attorneys when needed.
• Factoring Factoring referral service through which Euforma mediates the sale of open receivables to third-party factors. Euforma does not directly purchase invoices but connects clients (startups, SMEs, and corporations) with factor partners offering immediate cash payment of up to 100% of invoice value. Both B2B and export receivables are supported.
• Titel-Langzeitüberwachung Long-term monitoring of court enforcement titles (Gläubigertitel), which remain valid for 30 years under German law. Euforma continuously tracks debtors' financial situations to identify opportunities for recovery. For titles obtained through Euforma, monitoring is free of charge; third-party titles are accepted for a per-title fee of 25 EUR.
• Anwaltliche Beratung Legal advisory services referred through affiliated law firm Brinkmann Rechtsanwälte (Köln). Covers practice areas including employment law, tenancy law, banking law, insurance law, medical law, family law, and traffic/accident law. Delivered via the same client portal as collection activity for seamless case management.
• Euforma Online-Portal Web-based client portal providing 24/7 access to claim submission, case tracking, credit report ordering, real-time reporting, and document upload. Supports integration via encrypted data interface (Datenschnittstelle) for automated import of outstanding receivables from customers' ERP/warenwirtschaft systems. Single sign-on via individual user credentials.

Quantifiable outcome

• In 2017, unpaid receivables in Germany totaled 29.7 billion euros according to the Federal Statistical Office — underscoring the scale of the market problem Euforma addresses.
• +2 more outcomes

Named customers8 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and supporting.

• EURO-PRO Gesellschaft für Data Processing mbH (EuroPro)coreTechnology or Integration · 1 September 2025EuroPro GmbH (a CRIF company) is Euforma AG's primary data services partner. As of September 1, 2025, all credit check (Bonitätsauskunft) and address investigation (Adressermittlung) services have been transitioned to EuroPro's platform. Euforma refers customers to EuroPro for these services and receives referral benefits. EuroPro provides data from CRIF Bürgel, EOS (Otto Group), Bürgel, Euler Hermes (Allianz Group), and other major credit bureaus and collection agencies.
• Brinkmann Rechtsanwälte (Partnerschaftsgesellschaft)coreStrategic or Co-development PartnerBrinkmann Rechtsanwälte is Euforma AG's contracted law firm based in Cologne, handling all legal proceedings including out-of-court demands, court collection procedures, and legal advisory services. Founded in 1973, the firm provides legal support across multiple practice areas including employment, tenancy, banking, insurance, medical, and contract law. The law firm acts as Euforma's primary legal execution arm and also provides the legal basis for Euforma's regulatory compliance (registered in the legal services register under file reference 3712-616(7) at the Cologne Higher Regional Court). Euforma operates under the same corporate umbrella as the law firm, with shared leadership (Markus Brinkmann as CEO of Euforma and partner at the firm).
• CRIF Bürgel GmbHsupportingTechnology or IntegrationCRIF Bürgel provides the underlying credit and business information database accessed through Euforma's portal. Data includes company information, credit ratings, negative payment behavior indicators, and debt registers used for credit assessments.
• EOS Gruppe (Otto Group)supportingTechnology or IntegrationEOS Gruppe, part of the Otto Group, is a data provider for soft and medium negative indicators used in credit assessments, including collection proceedings and monitored judgments.
• BÜRGELsupportingTechnology or IntegrationBÜRGEL provides credit and debtor data including soft and medium negative indicators used in Euforma's credit check services.
• Euler Hermes Gruppe (Allianz Group)supportingTechnology or IntegrationEuler Hermes, part of Allianz, provides credit risk data and negative payment behavior information used in Euforma's credit assessment services.
• Network of ~30 lawyers within the corporate groupcoreImplementation/ SI/ Consulting PartnerEuforma works with approximately 30 lawyers in its corporate group to provide legal support to clients, particularly for startups and young companies who benefit from a legal perspective on contracts, procedures, and workflows.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Creditreform: Germany's largest credit bureau and one of the leading debt collection networks, operating as a cooperative of regional offices. Provides business information, credit ratings, and receivables management—overlapping Euforma's credit check and collection services with far greater scale and proprietary data.
• Coface: French-headquartered global credit insurance and receivables management firm serving B2B clients across Europe. Overlaps with Euforma's credit assessment and international collection offerings, particularly for export receivables.
• Riverty (formerly Arvato Financial Solutions): Bertelsmann-owned financial services provider offering receivables management, factoring, credit assessment, and payment solutions across Europe. Directly competes with Euforma across multiple verticals including e-commerce, telecommunications, and utilities.
• EOS Group: One of Europe's largest debt collection service providers, owned by the Otto Group. EOS offers a broad portfolio including receivables management, factoring, and credit information—directly overlapping Euforma's core offerings but at significantly larger scale and broader geographic coverage.
• BÜRGEL Wirtschaftsinformationen: Part of the CRIF group, BÜRGEL provides business credit information, debtor data, and related receivables services in Germany. It overlaps Euforma's credit check and address investigation offerings (which Euforma has now discontinued and redirected to CRIF partner EuroPro).
• Lowell Group: Major European credit management services provider operating across multiple countries including Germany. Offers debt purchasing, collection, and recovery services—broad incumbent competing for cross-border and large-volume collection work.

Direct peers

• KSZ Inkasso: Baden-Württemberg-based debt collection agency with comparable service offerings including extrajudicial collection, dunning, and credit information—operating in a similar German regional SMB segment.
• Euro-Collect: German debt collection provider focused on commercial and consumer receivables, with similar mid-market positioning and dunning services. Direct competitor for SMB and Mittelstand accounts in the German market.
• Regulus Inkasso: German SMB-focused debt collection firm offering extrajudicial and judicial collection services. Comparable in size, customer base (small businesses and self-employed professionals), and service model to Euforma.
• Inkasso-Bertsch: Mid-sized German debt collection firm serving SMBs with a focus on commercial receivables. Comparable to Euforma in target market (Kleinunternehmen, Mittelstand) and service scope (extrajudicial and judicial collection).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/euforma-ag

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Euforma