Gardant

What Gardant does

Gardant S.p.A. was an Italian financial services company operating in the credit management and non-performing loan (NPL) servicing sector. Founded in 2021 and headquartered in Rome, the company employed between 251 and 500 people and offered consultancy activities related to the identification of investment opportunities and asset management services. Its core product was "Verifica Cessioni" (Verification of Credit Divestments), a service that allowed users to verify and track credit sales and assignments. Gardant also maintained an asset management arm via Gardant Investor SGR, which partnered with doValue to launch the Lounge fund, and held a strategic partnership with BPER Group in connection with its NPL servicing operations. The company operated a multi-entity structure including Gardant S.p.A. and Special Gardant S.p.A., the latter handling special situations credit work.

Effective January 1, 2026, following resolutions adopted by the competent bodies, Gardant S.p.A. and Special Gardant S.p.A. were merged by incorporation into doValue S.p.A. — Italy's largest non-performing loan servicer. As a result, Gardant ceased to exist as an independent entity; its website now redirects to doValue, the Verifica Cessioni service has migrated to the doValue platform, and client contact has been consolidated under doValue's Verona-based data controller. The transaction is the defining strategic event in Gardant's history and signals full integration rather than continued independent operation.

Name

Gardant

Legal name

Gardant S.p.A.

Website

https://gardant.eu

Company type

Private

Founded year

2021

Operating status

Acquired

Headcount range

251–500 employees

Short description

Gardant S.p.A. was an Italian credit management and NPL servicing company offering credit divestment verification (Verifica Cessioni) and asset management services, which was merged into doValue S.p.A. effective January 1, 2026.

Ownership category

akta.pro rank

Product category

Credit Servicing / Non-Performing Loan Management

NAICS

Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)

SIC

Miscellaneous Business Credit Institution (6159), Loan Brokers (6163)

akta.pro primary industry

Real Estate Payoff & Lien Release Services (BPAJAOAI)

akta.pro secondary industry

Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit) (BPAHAOAD)

Keywords

• Credit servicing solutions
• Non-performing loan management
• Credit divestment verification
• Asset management consulting
• Investment opportunity identification

Headquarters

HQ city

Rome

HQ country

Italy

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D

Core offering

Gardant S.p.A. provided credit management and servicing solutions to financial institutions, with its primary offering being the "Verifica Cessioni" (Verification of Credit Divestments) service, which allowed clients to verify and track credit divestments, sales, and assignments. The firm also carried out consultancy activities for the identification of investment opportunities and asset management services, and was strategically affiliated with doValue, Italy's largest non-performing loan servicer. Following the January 1, 2026 merger, these services are delivered through the doValue platform.

Product overview

Gardant was an Italian financial services company specializing in credit management and servicing solutions. Following the merger effective January 1, 2026, Gardant S.p.A. and Special Gardant S.p.A. were incorporated into doValue S.p.A., Italy's largest non-performing loan servicer. The primary offering was the verification service for credit divestments (Verifica Cessioni), which allowed users to verify and track credit sales and assignments. This service is now operated through the doValue platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Verification of Credit Divestments (Verifica Cessioni) A web-based service that allows Italian banks and financial institutions to verify and track credit divestments, sales, and assignments, supporting NPL servicing workflows. It is offered through the doValue platform following the 2026 corporate merger.

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Gardant Investor SGRminorStrategic or Co-development PartnerdoValue launched the Lounge fund in partnership with Gardant Investor SGR. This partnership appears to be related to investment fund management within the non-performing loan servicing business.

Recent moves5 records

Expansion highlights3 records

Direct peers

• Intrum: Europe's largest credit management and NPL servicer, active across multiple jurisdictions. Directly comparable to Gardant/doValue in outsourced credit servicing, collections, and portfolio advisory.
• Hoist Finance: Nordic-headquartered specialist in non-performing consumer loans, with Italian servicing operations. Comparable to Gardant on NPL portfolio servicing and investor-side credit management services.
• Cerved: Italian credit information, data, and credit management company. Directly comparable to Gardant on Italian credit data, credit decisioning, and NPL-adjacent services.
• EOS Group: German-headquartered international receivables management and NPL servicer operating across Europe. Comparable to Gardant in third-party credit servicing for banks and investors.
• B2Holding: Norwegian NPL acquirer and servicer with operations across Northern and Southern Europe. Comparable to Gardant on non-performing loan servicing and portfolio solutions for banks.
• Kruk: Largest Polish debt management company, active in multiple European markets. Comparable to Gardant in unsecured consumer NPL servicing and portfolio management.
• Arrow Global: UK and European NPL servicer (backed by HPS Investment Partners). Comparable to Gardant in cross-border NPL servicing and asset management for credit portfolios.
• Marathon Asset Management: Global credit-focused asset manager with significant European NPL and special situations activity. Comparable to Gardant on the asset-management side of NPL servicing and on investor-side fund structures (analogous to the Gardant Investor SGR / Lounge fund setup).
• GFKL Lowell: European credit management servicer operating across DACH and Italy. Comparable to Gardant in debt collection and NPL servicing for Italian and pan-European financial institutions.

Regional players

• Prelios: Italian credit servicing and real estate services group. Comparable to Gardant on Italian NPL servicing, master servicing, and special situations credit, with stronger real estate servicing overlap.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 Gardant