Receptum

What Receptum does

Receptum is an independent Spanish editorial publication, operating since 2008, that produces approximately 170 in-depth guides and three proprietary interactive tools covering personal loans, debt resolution, mortgages, private capital (capital privado), and debtor protection in Spain. The publication is organized around six thematic pillars (Préstamos, Deudas, Hipotecas, Legal, Finanzas, Herramientas) using a pillar-spoke content architecture with extensive internal cross-linking, where each pillar reads as a closed editorial piece and spokes address specific user cases. Content is written by a three-person specialist editorial team: Álvaro Serrano (Director Editorial, law and financial advisory), Clara Méndez (responsible for debts and legal, 300+ Ley 2ª Oportunidad proceedings), and Ignacio Peralta (responsible for mortgages and personal finance, prior private banking background). The site operates exclusively in Spanish and serves individuals in Spain — including both bankable and non-bankable profiles, ASNEF/RAI registry members, over-indebted individuals exploring Ley 2ª Oportunidad, mortgage holders, and general personal finance learners.

The underlying technology is a static web publication hosted on Vercel Inc. infrastructure, with three proprietary browser-based calculators (a Ley 2ª Oportunidad viability estimator, an asset-based LTV matrix for coche, vivienda, joyas and maquinaria collateral, and a profile-based loan selector). All calculator processing occurs client-side in the user's browser, with no data transmitted to Receptum servers or stored, and audience measurement uses Vercel's aggregated cookie-free analytics. The platform explicitly excludes display advertising (no AdSense or banner networks), paywalls, and lead sales. Affiliate links are technically demarcated with HTML rel='sponsored' attributes, opened in new tabs, and visually separated in labeled 'Patrocinado' blocks to maintain editorial independence.

Receptum's business model is 100% affiliate-based: the publication earns commissions when readers click through to partner lenders via the FinanceAds network and via Kova/Kreditiweb (Tracksacai), covering verticals including personal loans, debt cancellation, debt consolidation, and capital privado. Commission does not increase cost to users, and affiliation is treated as a tiebreaker variable only — not a primary ranking factor. The legal entity is CS Imagen y Logística, C.B. (NIF: E06974505), a Spanish partnership headquartered in Valencia. The company is privately held with no external investors, no parent company, and no institutional funding, operating as a self-financed independent editorial project.

Name

Receptum

Legal name

CS Imagen y Logística, C.B.

Website

https://receptum.es

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

Receptum is an independent Spanish editorial publication, active since 2008, producing approximately 170 guides and three proprietary client-side calculators on personal loans, debt resolution, mortgages, and private capital. Revenue derives entirely from affiliate commissions through the FinanceAds and Kova/Kreditiweb networks.

Ownership category

akta.pro rank

Product category

Personal Finance Publishing

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro industry

PRIMARYFSAEAEAE

Reverse Mortgage Brokerage

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Mortgage Brokerage & Loan Intermediation

SECONDARYFSAKAHAB

P2P Debt Consolidation & Refinancing

Financial & Insurance/Lending & Consumer Finance/Peer-to-Peer (P2P) & Marketplace Lending

SECONDARYBPAAAEAE

Debt Recovery & Asset Recovery (Repossession Coordination, Collateral Recovery)

Business & Public Services/Administrative & Support Services (BPO, Call Centers, Back Office)/Collections, Recovery & Skip Tracing Services

SECONDARYFSAKAJAF

Repossession & Asset Recovery (Non-mortgage)

Financial & Insurance/Lending & Consumer Finance/Debt Collection, Recovery & Servicing

Keywords

• Personal finance publishing
• Loan comparison content
• Debt resolution guidance
• Affiliate content marketing
• Mortgage advisory content

Headquarters

HQ city

Gijón

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Affiliate commissions — FinanceAds: Receptum earns commissions from lenders through the FinanceAds affiliate network when users click through and contract financial products. Commission does not increase cost to the user. FinanceAds is a registered affiliate network; Receptum is accepted as an affiliate for specific lender programs.
2. Affiliate commissions — Kova / Kreditiweb: Receptum earns commissions through Kova / Kreditiweb affiliate relationships for debt cancellation, debt consolidation, capital privado, and other verticals. The partner manages the transactional flow while Receptum provides editorial guidance and referral.
3. Third-party affiliate cookies (attribution): When users click affiliate links, the partner's affiliate network (FinanceAds, Kreditiweb via Tracksacai) sets an attribution cookie (typically 7–60 days) to credit Receptum for conversions. Receptum adds only a source/subid URL parameter for internal analytics — no personal data in tracking parameters.

Go-to-market motion2 records

Distribution channels1 record

Marketing channels6 records

Core offering

Receptum is an independent Spanish editorial publication that publishes in-depth guides, comparative tables, and interactive tools covering personal loans, private capital (capital privado), debt cancellation and restructuring (including Ley 2ª Oportunidad), mortgages, and debtor legal protections. The site does not sell financial products directly; it monetizes exclusively through affiliate commissions when readers click through to partner lenders via the FinanceAds and Kova/Kreditiweb networks.

Product overview

Receptum is an independent editorial publication on personal finance in Spain, active since 2008, organized around six thematic pillars: (I) private capital and non-bank lending, (II) debt cancellation/restructuring, (III) secured loans with collateral, (IV) situation-based lending (employment, pension, foreigner profiles), (V) mortgages, and (VI) legal/debtor protection. The product portfolio comprises approximately 170 editorial guides, three proprietary browser-based calculator tools (viability estimator for Second Chance Law, collateral-based lending matrix, and profile-based loan selector), and affiliate lender listings with comparative tables. All calculators process data client-side without server storage. Revenue derives from affiliate commissions with partner lenders through FinanceAds and Kova/Kreditiweb networks, identified transparently as sponsored content.

Differentiator

Problem solved

Functional benefit

Products and services

• Calculadora de viabilidad Ley 2ª Oportunidad Browser-based viability calculator for Spain's Second Chance Law (Ley de Segunda Oportunidad) that estimates in two minutes whether a user's profile could qualify for the procedure and what debts could be cancelled. Processes data entirely client-side with no transmission to or storage on Receptum servers. For Spanish consumers exploring debt cancellation.
• Matriz Cuánto te prestan según tu aval Collateral-based LTV matrix tool that shows real loan-to-value ranges, terms, and TAE by asset type — including car, motorcycle, parking space, property, jewelry, machinery, and licenses — for secured lending decisions. Lets users estimate borrowing capacity based on the collateral they can offer. Entirely client-side. For Spanish consumers evaluating secured-loan options.
• Selector de préstamo según tu situación Profile-based navigation tool that maps users to appropriate financing channels based on their employment status, financial situation, or administrative profile — including employee, freelancer, pensioner, foreigner, IMV recipient, ETT, civil servant, and incapacity/unemployment cases. Entirely client-side. For Spanish consumers whose profiles do not fit the standard banking circuit.

Quantifiable outcome

• Pieces of highest traffic are refreshed every few months to keep data current for 2026
• +3 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• FinanceAdscoreGTM or Marketing PartnerFinanceAds is the affiliate network through which Receptum earns commissions when users click through to partner lenders and contract financial products. Receptum is accepted as an affiliate for specific lender programs within the FinanceAds network. The network sets attribution cookies (7–60 days typically) when users click affiliate links. Receptum works with the subset of lenders for which it is accepted as an affiliate.
• Kova / KreditiwebcoreGTM or Marketing PartnerKova / Kreditiweb is an affiliate partner handling verticals in debt cancellation, debt consolidation, capital privado, and related areas. Receptum refers users to Kova/Kreditiweb through affiliate links in relevant content. The relationship is managed via the Tracksacai platform (Kreditiweb's affiliate infrastructure). Commission structure is affiliate-based; no cost to the user.
• Vercel Inc.coreTechnology or IntegrationVercel Inc. is the hosting provider and data processor for Receptum's website infrastructure. Vercel performs aggregated audience analytics (without cookie-based tracking) for Receptum. Under GDPR framework, international data transfers to Vercel are covered by standard contractual clauses or the EU-US Data Privacy Framework. Vercel does not have commercial relationship beyond infrastructure/analytics.
• Equifax IbéricaminorOthersEquifax Ibérica is the manager of the ASNEF-Equifax and Badexcug default registries. While not a formal commercial partner, Receptum's content extensively references ASNEF as a key topic for its audience. No affiliate or commercial relationship exists — Equifax is cited editorially.

Scale indicators5 records

Recent moves5 records

Expansion highlights1 record

Broad incumbents

• MoneySupermarket: UK's largest price-comparison platform. Operates a content-led, affiliate-monetized model across financial services that closely resembles Receptum's GTM and revenue mechanics, scaled to a national audience.
• NerdWallet: US-domiciled personal-finance content and affiliate comparison platform. Same business model as Receptum (editorial + affiliate) but at much greater scale and product breadth, useful as a comparable for trajectory and monetization mechanics.
• Finder: Global financial product comparison and editorial publisher. Same affiliate-driven content model and product set as Receptum, operating across multiple geographies with a broader product mix.
• Bankrate: US financial comparison and editorial site covering mortgages, loans, credit cards, and deposits. Operates the same affiliate-led content model as Receptum, with much broader product portfolio and significantly larger audience.

Direct peers

• Fintonic: Spanish consumer personal-finance app with comparison features for banking products. Targets overlapping Spanish consumers in personal credit and mortgage decisions and competes for the same reader journeys that Receptum serves editorially.
• Kelisto: Spain's leading independent personal-finance comparison site. Kelisto produces editorial content and comparison tables for loans, mortgages, credit cards, and bank accounts, and monetizes via affiliate referrals in exactly the same model as Receptum.
• HelpMyCash: Spanish financial product comparator and editorial publication covering loans, mortgages, deposits, and consumer credit. Operates the same content-led, affiliate-monetized model as Receptum and is one of the most direct competitors in Spain.
• Rastreator: Spain's largest insurance and financial product comparison site owned by RVU. Provides editorial content and lead-generation across multiple financial verticals and competes directly for the same high-intent organic traffic as Receptum.
• Kreditiweb: Spanish debt cancellation and credit-rehabilitation platform and Receptum's affiliate partner. Operates in debt consolidation, Ley 2ª Oportunidad, and capital privado — overlapping directly with Receptum's debt and capital privado pillars.
• CreditosRapidos: Spanish affiliate-driven comparison and content site focused on quick loans and consumer credit. Operates in the same Spanish personal-loan niche as Receptum and competes for overlapping organic search traffic.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/Receptum_es
• Facebookfacebook.com/receptum.es
• LinkedInlinkedin.com/company/receptum

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Receptum