What Holos does

Holos SA is a privately held Portuguese product company founded in 1996 as a spin-off of NOVA (Universidade Nova de Lisboa), headquartered in Caparica, Portugal. The company builds cloud-native, configurable software platforms for mission-critical systems across four business units: SaaS products (RIFT for insurance management across Life, Non-Life, Health and Pensions, with multilingual and multi-currency capability; Holdoc for document management and workflow; Trains 4.0 Life for safety-certified railway systems), Google Workspace delivery and support (as a Google Cloud Partner since 2008), Data Science and BI (knowledge discovery, predictive modelling, and SAS-based business intelligence), and Risk and Actuarial services. Its underlying technology stack combines a no-code-configurable insurance core, a federated data architecture proven at scale across 187 hospitals in Spain's SHARE cancer data space, and safety-certified multicore platforms for rail; integrations span SAP, Primavera, PHC, SEPA, the Portuguese Autoridade Tributária fiscal chain, and the Social Security NISS system.

Holos monetises through a mix of subscription-based SaaS contracts for RIFT, Holdoc and Trains 4.0 Life, Google Workspace licensing resale (Business Starter at EUR 69/user/year through Enterprise tiers), professional services for implementation, migration, training and support, and research-led data science engagements including EU-funded projects such as CLARIFY, SHARE, and the EUR 30 million Horizon Europe UNCAN-Connect programme. Its customer base spans more than 25 named enterprise and public-sector logos across banking (CGD, BPI, Banco Espírito Santo, Banco Central de São Tomé e Príncipe), insurance (AXA, Tranquilidade, UNA Seguros, MDS), industry (Volkswagen, Ford, ABB, Siemens, SAP, British Gas, Servier), research (European Space Agency), and public administration (AMA, ASAE, Portuguese municipalities, Angolan ministries) in Portugal, Spain and Angola. Go-to-market is enterprise field sales with tailored demos, supplemented by the Google Cloud Partner channel and EU research consortium networks; certifications include two EU Seals of Excellence (2017, 2018), Innovation Radar Top Innovator status (2024), and repeated PME Líder renewals from IAPMEI between 2012 and 2023.

Name

Holos

Legal name

Holos SA

Website

https://holos.pt

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

Holos is a privately held Portuguese software company, founded in 1996 as a NOVA University spin-off, that builds cloud-native platforms for insurance management, document workflows, railway safety, federated health data analytics, and Google Workspace delivery, serving enterprise and public-sector clients across Europe and Africa.

Ownership category

akta.pro rank

Product category

Enterprise Software Platforms

NAICS

Software Publishers (5132), Software Publishers (513210), Computer Systems Design and Related Services (54151), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)

SIC

Services-Prepackaged Software (7372), Services-Computer Integrated Systems Design (7373), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Industry/Vertical Cloud Platforms (e.g., Gov/Healthcare/Financial Cloud Regions) (HDABAAAL)

akta.pro secondary industries

Managed Application Platforms (App PaaS & Runtime Services) (HDABAAAD), Managed Workplace Services (DaaS/Workplace-as-a-Service) (BPAEAIAA), Cloud Managed Services (Operations, Monitoring, Patching) (BPAEACAF)

Keywords

• Insurance management software
• Document management systems
• Railway safety technology
• Health data analytics
• Cloud workspace services

Headquarters

HQ city

Caparica

HQ country

Portugal

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. RIFT SaaS Platform Subscription: Cloud-native insurance management platform offered as SaaS subscription, covering the full insurance business cycle for insurers, brokers and mediators.
2. Google Workspace Resale and Services: Google Cloud Partner since 2008 delivering Google Workspace licensing, migration, change management, training and ongoing support services.
3. Data Science and Research Services: Knowledge discovery, predictive models and SAS-based business intelligence services, including participation in EU research projects (CLARIFY, SHARE, UNCAN-Connect) for health data spaces.
4. Professional Services: Implementation, configuration, training and support services for Holos product family including RIFT, Holdoc, and Trains 4.0 Life platforms.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

Holos builds cloud-native software platforms for mission-critical systems: RIFT (insurance management covering the full business cycle for insurers, brokers and mediators), Holdoc (document management and digital archive), Data Science & BI (predictive models, SAS analytics, and federated health data spaces), and Trains 4.0 Life (safety-certified railway systems). The company also delivers Google Workspace licensing, migration and support as a Google Cloud Partner since 2008.

Product overview

Holos is a family of living platforms for critical systems, founded as a NOVA spin-off in 1996. The portfolio comprises five core products: RIFT (cloud-native insurance management covering Life, Non-Life, Health, and Pensions), Holdoc (document dematerialization and workflow platform), Data Science & BI (knowledge discovery with EU research projects in oncology), Trains 4.0 Life (railway safety-critical systems), and Google Workspace (delivery and support as a Google Cloud Partner since 2008). The products are organized into four thematic units: SaaS products (RIFT, Holdoc, Trains 4.0 Life), Google Workspace, Data Science, and Risk & Actuarial. Holos transforms scattered information into structured knowledge and builds systems that cannot fail, serving insurance, rail, documents, and health data sectors.

Differentiator

Problem solved

Functional benefit

Brands

• HolosRIFT: Flagship insurance management platform covering the full business cycle for insurers, brokers and mediators, multilingual and multi-currency
• HolosHoldoc
• HolosData Science & BI
• HolosTrains 4.0 Life
• HolosGoogle Workspace

Products and services

• HolosRIFT Cloud-native, multilingual, multi-currency insurance management platform covering the full business cycle for insurers, brokers and mediators. Supports Life, Non-Life, Health and Pensions lines of business with no-code configuration, IFRS 17 compliance, and reporting for ASF and other regulators.
• HolosHoldoc Document management platform unifying documentary records, workflow, and digital archive on a single platform. Dematerializes paper-based processes through digital capture, configurable approval flows, and GDPR-aligned compliance with full audit trails.
• HolosData Science & BI Research-led data science practice combining knowledge discovery, predictive models, and SAS-based business intelligence. Delivers analytics, predictive modelling, and federated data engineering to insurance, banking, healthcare and public sector clients.
• HolosTrains 4.0 Life Validated, safety-certified technology platform for the railway industry providing dependability validation, certifiable multicore architectures, real-time condition monitoring, and predictive maintenance for critical rail systems.
• HolosGoogle Workspace Google Cloud Partner service delivering Google Workspace licensing, migration, change management, training and local support since 2008. Offered across Business Starter, Business Standard, Business Plus, and Enterprise tiers.

Quantifiable outcome

• 40%+ reduction in manual work for insurance operations
• +3 more outcomes

Named customers22 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability5 records

Feature5 records

Partnerships

Ten partnerships are on record, tiered core, flagship and minor.

• Google (Google Cloud)coreChannel Partner/ Reseller/ Distributor · 1 January 2008Google Cloud Partner since 2008, delivering Google Workspace licensing, migration, change management, training and local support services to organizations of all sizes. Partnership enables Holos to resell and implement Google Cloud solutions.
• SAS InstitutecoreTechnology or IntegrationLong-standing partnership with SAS Institute for analytics, business intelligence, and fraud detection implementations. Holos SAS practice includes business analytics frameworks and has delivered anti-fraud and anti-money laundering solutions to banking executives in Angola.
• European Space Agency (ESA)coreStrategic or Co-development PartnerHolos co-constructed the SEISOP (Space Environment Information System for Operations) system for ESA/ESOC to monitor and predict space weather. Holos developed the metadata exchange system between modules and the alarm system for critical conditions.
• Cancer Core Europe / DKFZ (German Cancer Research Center)flagshipStrategic or Co-development PartnerCenters of Cancer Core Europe, the alliance of leading European cancer institutes including DKFZ, are partners in UNCAN-Connect. They work towards a pan-European virtual cancer institute with infrastructure built by Holos and partners.
• AccentureminorImplementation/ SI/ Consulting PartnerAccenture listed as collaborator in Data Science practice, working on health data integration projects including SHARE and CLARIFY.
• Arab Science and Technology Foundation (ASTF)minorStrategic or Co-development PartnerHolos and ASTF signed a cooperation agreement covering research projects, events and training, as announced in December 2015.
• UNINOVA - Instituto de Desenvolvimento de Novas TecnologiascoreStrategic or Co-development PartnerPortuguese research institute part of the SEISOP consortium for ESA space weather monitoring, working with Holos and European partners DEIMOS, INTA, and VEGA.
• DEIMOS Engenharia / DEIMOS SpacecoreTechnology or IntegrationPortuguese and Spanish companies in the SEISOP consortium for ESA space weather system, collaborating with Holos on metadata exchange and alarm systems.
• INTA (Instituto Nacional de Técnica Aeroespacial)coreTechnology or IntegrationSpanish aerospace institute in the SEISOP consortium for ESA space weather monitoring.
• VEGAcoreTechnology or IntegrationCompany in the SEISOP consortium for ESA space weather system, collaborating on space weather monitoring infrastructure.

Scale indicators5 records

Recent moves2 records

Expansion highlights6 records

Broad incumbents

• Inetum: European IT services and software group with deep insurance and banking core-system practices in Iberia and France; closest large-scale European systems-integration and software peer to Holos' insurance + public-sector mix.
• Guidewire Software: Largest US-listed insurance core platform (PolicyCenter, ClaimCenter, BillingCenter) widely used by global Property & Casualty carriers; represents the dominant incumbent whose cloud roadmap pressures European mid-market deals that RIFT historically won.
• Insurity: US insurance software suite spanning policy, billing, claims and analytics; competes with RIFT in configurable insurance SaaS and analytics-enabled underwriting, particularly for multi-line European insurers.

Direct peers

• Sapiens International: Global vendor of insurance core systems covering Life, P&C, Health and Pensions; competes head-to-head with Holos RIFT for the same mid-market European insurer, broker and mediator buyer with comparable multi-line, multi-currency positioning.
• Duck Creek Technologies: Cloud-native SaaS insurance core platform for P&C and Life carriers; most direct modern competitor to RIFT in the configurable, multi-line insurance management suite category, targeting European and global insurers.
• M-Files: Document and information management platform with workflow, audit trails and GDPR-aligned compliance; directly comparable to Holos Holdoc as a configurable, compliance-centric document management SaaS for regulated enterprises.
• DocuWare: Cloud document management and workflow automation SaaS widely sold to European mid-market and public-sector organisations; highly comparable to Holdoc in target buyer, configurability and GDPR audit-trail functionality.

Regional players

• Novabase: Largest Lisbon-headquartered IT services and software group, listed on Euronext Lisbon; directly comparable as a Portuguese software/services peer competing for the same Iberian enterprise and public-sector accounts.
• Glintt: Portuguese IT and healthcare technology vendor with strong presence in hospitals, NHS-like systems and public-sector digital transformation; relevant regional peer given Holos' Spain/Spainish health data space (SHARE) and Portuguese healthcare exposure.

Others

• SAS Institute: Long-standing analytics and BI platform partner of Holos for its Data Science & BI practice; comparable as a horizontal analytics vendor whose domain extension efforts (insurance, fraud, healthcare) overlap with Holos' predictive modelling business.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance3 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 Holos