SEPA Collect GmbH

What SEPA Collect GmbH does

SEPA Collect GmbH is a German debt collection and receivables management company headquartered in Taufkirchen near Munich, founded in 2007 by Klaus Paucke. The company is owner-managed (inhabergeführt), with Nicole Schmid serving as Managing Director and licensed collection permit holder. It operates under a registered debt collection license per §10 Abs. 1 Nr. 1 RDG, is supervised by the Federal Office of Justice, and is a BDIU member compliant with the BDIU Code of Conduct. The business processes approximately 1.5 million claims annually with a small team (1-10 employees) and handles roughly 1 million returned direct debits per year through its partnership with InterCard AG.

The company's platform architecture is organized around three product surfaces. SEPA Connect is the core client portal for case management, dashboards, and reporting. Mahnfabrik.de is a modular, cloud-based self-service platform where clients can independently book up to six sub-modules per claim and control treatment depth. Digital Services, launched in 2020, is a cloud-based suite covering interpretation (digital mail processing, account information services, payment initiation), communication (multi-channel debtor outreach, debtor portal), and execution (digital payment platform, RLS-OPT bank fee optimization, SCTInst payment initiation). The product suite is also offered as a white-label solution. Technology is described as highly automated cloud infrastructure, with proprietary scoring via the Multi-Score system that combines credit bureau data, and machine learning flagged as a focus for future development.

SEPA Collect serves B2B clients across five primary verticals: retail/POS, e-commerce, energy and utilities, healthcare, and real estate/housing. Customer engagement is direct enterprise sales supplemented by digital self-service portals. The revenue model is pure success-fee: creditors pay only on successfully recovered amounts, with no annual or membership fees, while collection costs are passed to debtors per the German RVG fee schedule. The company has built deep partnerships with all major German credit bureaus (SCHUFA, CRIF Bürgel, infoscore, Regis24) and integrates with major property management systems (Haufe Real Estate, Wowinex, Axera, Wodis Sigma, Blue Eagle, Immotion). It maintains a 30-year long-term monitoring capability for both titled and untitled claims and offers European address investigation services for cross-border collection.

Name

SEPA Collect GmbH

Legal name

SEPA Collect GmbH

Website

https://sepacollect.de

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

SEPA Collect GmbH is a German licensed debt collection and receivables management company founded in 2007, processing ~1.5 million claims annually across retail, e-commerce, energy, healthcare, and real estate verticals on a pure success-fee model. Its platform spans the SEPA Connect client portal, the modular Mahnfabrik.de self-service platform, and Digital Services cloud-based collection tools.

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Collection Agencies (56144), Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro industry

PRIMARYBPAAAEAB

Third-Party Debt Collection Agencies (Consumer & Commercial)

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

SECONDARYBPAAAEAJ

Specialty & Regulated Collections (Medical, Student Loan, Government, HOA)

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

SECONDARYBPAAAEAH

Legal Collections Support (Pre-Lit, Litigation Admin, Judgment Recovery)

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

SECONDARYFSAKAJAD

Legal Collections & Litigation Support (Judgments, Garnishments)

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

SECONDARYFSAKAJAN

Utilities/Telecom & Other Non-Financial Receivables Collections

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

SECONDARYFSAKAJAB

Third-Party Collection Agencies (Consumer)

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

Keywords

• Debt collection services
• Receivables management
• Accounts receivable management
• Debt recovery
• Claims management

Headquarters

HQ city

Ada

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Collection Success Fees: Primary revenue stream based on successful debt recovery. SEPA Collect charges no annual fees or membership charges. Collection costs are borne by the debtor per German law (RVG), with the client paying only a success-based commission on amounts actually recovered.
2. Module-based Services (Mahnfabrik.de): Individual modules available for booking through Mahnfabrik.de product, allowing clients to customize depth of collection services per case. Up to 6 sub-modules can be booked with controllable treatment depth.
3. Long-term Monitoring: Ongoing surveillance of both titled and untitled claims until statute of limitations, with costs borne by SEPA Collect and only success commissions charged when recovered.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

SEPA Collect GmbH is a licensed debt collection service provider (Inkassodienstleister) that recovers unpaid B2B receivables for companies in Germany on a pure success-fee basis, processing approximately 1.5 million claims per year through highly automated, cloud-based IT systems. Service scope spans out-of-court collection, court-based enforcement, long-term monitoring of claims up to the statute of limitations, creditworthiness checks, and integrated digital payment and debtor-communication tools, delivered through the SEPAConnect client portal, Mahnfabrik.de modular platform, and Digital Services suite.

Product overview

SEPA Collect GmbH operates a platform-plus-modules architecture centered on debt collection and receivables management services. The core offering consists of the SEPA Connect client portal for case management and reporting, supported by specialized sub-brands: Mahnfabrik.de (modular cloud-based collection platform with individually bookable modules) and Digital Services (cloud tools for interpretation, communication, and payment execution). Service modules span the collection lifecycle including out-of-court collection, legal enforcement, long-term monitoring, and sector-specific solutions for retail/POS, e-commerce, energy, healthcare, and housing. Integration with housing management systems (Haufe, Wowinex, Axera, Wodis Sigma) enables automated virtual account payment allocation.

Differentiator

Problem solved

Functional benefit

Brands

• Mahnfabrik.de: Individual receivables management platform allowing clients to book up to 6 sub-modules and control the depth of processing per case. A cloud-based product offering individually tailored debt collection on a modular basis.
• Digital Services
• SEPAConnect

Products and services

• SEPAConnect (Mandantenportal / Client Portal) Web-based self-service portal for SEPA Collect's B2B creditor clients to view claim and case status, receive payment notifications, download reports and evaluations, and create or upload new collection cases.
• Mahnfabrik.de Cloud-based modular debt-collection platform enabling SMB and mid-market B2B clients to independently book up to 6 collection sub-modules per claim and customize treatment depth per case, on a pay-as-you-go basis.
• Digital Services Cloud-based digital product suite providing intelligent IT solutions for receivables management covering interpretation (digital mail processing, account information service, payment initiation services, online tenant check), communication (digital communication platform, digital telephone system, debtor portal), and execution (digital payment platform, RLS-OPT return optimization, SCTInst). Available also as a white-label solution to partners.
• Außergerichtliches Inkasso (Out-of-Court Collection) Complete out-of-court debt collection service for German B2B creditors covering all areas of receivables management, with unlitigated claims entering long-term monitoring upon statute of limitations.
• Gerichtliches Inkasso (Court-Based Collection and Enforcement) Court-based debt collection and enforcement service processing legal claims, including cost reduction for legal proceedings and execution, governed by the German RVG fee schedule.
• Langzeitüberwachung (Long-Term Claim Monitoring) Long-term monitoring service tracking documented and undocumented claims up to 30 years, with reactivation upon positive economic change of the debtor; no cost risk for the client.

Quantifiable outcome

• 1.5 million claims processed annually
• +3 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability5 records

Feature10 records

Partnerships

Eleven partnerships are on record, tiered core and supporting.

• Schufa Holding AGcoreTechnology or Integration · 1 January 2007Primary credit data partner providing debtor creditworthiness information. SEPA Collect uses SCHUFA data for collection optimization and reports delinquent debtors to SCHUFA when legal requirements are met (at least two written collection notices, first notice at least four weeks prior, debt not disputed).
• CRIF Bürgel GmbHcoreTechnology or IntegrationCredit agency providing debtor data and scoring services. Part of SEPA Collect's data ecosystem for evaluating debtor creditworthiness and payment probability.
• infoscore Consumer Data GmbHcoreTechnology or IntegrationCredit agency providing consumer data for debt collection optimization. Used alongside other credit bureaus to assess debtor financial situations.
• Regis24 GmbHsupportingTechnology or IntegrationCredit data service provider integrated into SEPA Collect's data infrastructure for debtor information and verification services.
• Bundesverband Deutscher Inkasso-Unternehmen e.V. (BDIU)coreStrategic or Co-development PartnerIndustry association membership providing industry standards, Code of Conduct certification, professional guidelines, and representation of professional interests in German debt collection sector. BDIU membership requires compliance with strict professional conduct rules.
• InterCard AGcoreStrategic or Co-development PartnerPayment processing partner for retail POS transactions. Together with SEPA Collect provides complete package including payment authorization, document management, debt collection, and payment guarantee for retailers with returned direct debit issues.
• Haufe Real Estate (Wowinex)coreStrategic or Co-development PartnerPremium partner for housing and real estate sector. SEPA Collect's universal housing industry interface integrates with Haufe systems (Wowinex, Axera) and other property management systems (Wodis Sigma, Blue Eagle, Immotion) for seamless collection case handling and virtual account management.
• German Courts NetworkcoreTechnology or IntegrationConnections to all central collection courts in Germany enabling efficient legal collection proceedings, automatic filing, and court order management.
• European Address Investigation ServicessupportingTechnology or IntegrationAddress investigation services operating throughout Europe enabling international debt collection when debtors relocate outside Germany.
• External Call CentersupportingTechnology or IntegrationOutsourced call center services for high-volume debtor contact operations, supplementing internal call center capabilities.
• Factoring PartnerssupportingChannel Partner/ Reseller/ DistributorFactoring service providers for clients interested in selling receivables rather than pursuing collection. Enables complete accounts receivable management options including purchase of defaulted debts.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Tesch Inkasso: Mid-sized German debt collection agency serving B2B clients with a focus on digital-first processes and out-of-court and judicial collection. Highly comparable in size, German-market focus, business model, and digital orientation.
• Hanseatische Inkasso-Treuhand (HIT): German debt collection agency offering third-party collection for commercial clients with a transparent, digital client portal approach. Directly comparable as a mid-sized, digitally enabled B2B collection peer in Germany.

Emerging players

• PAIR Finance: Berlin-based AI-driven debt collection fintech applying behavioral science and machine learning to consumer collections. Comparable to SEPA Collect's cloud-based, digital-first orientation and German market focus, with a more consumer-debt and tech-led positioning.

Broad incumbents

• EOS Group: One of Europe's largest debt collection and receivables management groups, headquartered in Germany. Directly comparable as a B2B debt collection service provider operating across consumer and commercial receivables in the same German market and verticals (retail, utilities, housing).
• Lowell Group: Large European receivables management group operating in Germany. Comparable as a broad incumbent offering third-party collection, debt purchase, and B2B services with greater geographic and capital scale than SEPA Collect.
• CRIF Bürgel: Major German credit bureau that also operates collection and recovery services. Comparable to SEPA Collect both as a data partner and as a competing third-party collection agency serving B2B clients across German-speaking markets.
• Creditreform: Germany's largest credit bureau and affiliated debt collection network. Highly comparable because it combines credit reporting with third-party collection agency services, sharing SEPA Collect's core data-and-collection model and many of the same verticals (retail, trade credit, SMEs).
• Infoscore (arvato Financial Solutions): Bertelsmann-owned German receivables management and credit data business. Directly comparable as a competitor on credit data and as a large B2B collection services provider, and overlapping with SEPA Collect's data infrastructure partnerships.

Others

• SCHUFA Holding AG: Germany's primary consumer credit bureau and a long-standing core data partner of SEPA Collect. Functions as an ecosystem enabler rather than a direct competitor, but adjacent to SEPA Collect's collection workflow through data provision and SCHUFA entry reporting.
• BDIU (Bundesverband Deutscher Inkasso-Unternehmen): Industry association of German debt collection companies. SEPA Collect is a member. BDIU functions as both a regulatory/standards body and an ecosystem hub connecting member agencies and creditor clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/1116718

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

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 SEPA Collect GmbH