Coeo Inkasso
Coeo Inkasso is a Rotterdam-based credit management firm that provides AI-augmented debt collection, legal, and embedded payment services to 3,000+ enterprise clients across eight to nine European countries, operating as a subsidiary of doValue following the 2025 acquisition of coeo Group.
- Company typePrivate
- Founded2010
- HeadquartersRotterdam, Netherlands
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Coeo Inkasso does
Coeo Inkasso (legal entity: coeo Incasso B.V.) is a Dutch credit management and debt collection organization headquartered in Rotterdam, serving more than 3,000 business clients across eight to nine European countries including the Netherlands, Belgium, Germany, Austria, Switzerland, Sweden, Norway, the UK, and Finland. The company offers end-to-end receivables management spanning pre-collection reminders, amicable collection, judicial collection, legal advisory, and a socially responsible special-care program (coeo CARE) for vulnerable debtors, distributed through a self-service consumer portal (Mijn coeo) and pre-built API integrations with major ERP and accounting platforms including Exact, SAP, Dispi, and E-boekhouden. Its proprietary differentiator is the cAI Technology ecosystem — a suite of ten AI modules covering voice agents, text automation, analytics, fraud detection, decision support, and pricing — developed and maintained by a dedicated AI-Lab in Berlin with sixteen specialists. Revenue is generated through transaction-based collection fees, professional services (legal and compliance), and emerging SaaS-style licensing of cAI modules and API integrations. The company is privately held, was previously backed by Waterland Private Equity, and was acquired by Italy-listed doValue in 2025 as part of its pan-European credit servicing platform. The customer base is concentrated in enterprise verticals with high invoice volumes — telecom (KPN), utility and e-mobility (Eneco eMobility), shared mobility (Swapfiets, Check, Mywheels), e-commerce (Plein.nl), healthcare (Medux), and media (Keesing Media Group, Voetbal International). Go-to-market combines direct enterprise field sales, an API-first distribution model, and a self-service portal, with regulatory positioning anchored by ISO 9001, ISO 27001, NVI Incasso Keurmerk, SVI, and AFM licensing.
Coeo Inkasso firmographics
Firmographics- Name
- Coeo Inkasso
- Legal name
- coeo Incasso B.V.
- Website
- https://coeo-incasso.nl
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Coeo Inkasso is a Rotterdam-based credit management firm that provides AI-augmented debt collection, legal, and embedded payment services to 3,000+ enterprise clients across eight to nine European countries, operating as a subsidiary of doValue following the 2025 acquisition of coeo Group.
- Ownership category
- akta.pro rank
Coeo Inkasso industry classification
Industry- Product category
- Debt Collection and Credit Management Services
- NAICS
- Collection Agencies (561440)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH)
Keywords
Where Coeo Inkasso is headquartered
LocationHeadquarters
- HQ city
- Rotterdam
- HQ country
- Netherlands
- HQ region
- Europe
Offices4 records
Markets served
Coeo Inkasso business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Others
Revenue model
- Debt Collection Services: Collection services for businesses with unpaid invoices, including pre-collection, amicable collection, and judicial collection phases. Revenue generated through collection fees charged to clients.
- Legal & Compliance Services: Legal advice, contract optimization, GDPR compliance, and judicial proceedings support. Provides legal assessment and representation.
- AI-as-a-Service (cAI): SaaS modules for personalized customer communication, result enhancement and control. Ten specialized AI modules available for enterprise clients.
- API Integration Services: Technical integration services for connecting client systems with coeo platform, enabling automatic dossier creation and collection initiation from client's software.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Customer Care Medewerker |
| Other | Monthly | Incassospecialist |
| Other | Monthly | Data Support Medewerker |
| Other | Monthly | Data Analyst |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels8 records
Coeo Inkasso product offering
Product offeringCore offering
Coeo Inkasso provides B2B debt collection and credit management services for businesses with outstanding invoices, including pre-incasso, amicable collection, and judicial collection phases. The core offering is augmented by a proprietary AI ecosystem (cAI Technology) with 10 specialized modules for automated customer communication, voice/text processing, fraud detection, and decision support. Services also include legal/compliance support, a socially responsible Special Care Team (coeo CARE), embedded payment solutions, and API-based integration with client ERP/accounting systems. The Mijn coeo consumer portal enables 24/7 self-service for debtors.
Product overview
Coeo Inkasso is a technology-driven credit management organization offering a unified platform combining AI-powered collection services with human-centered customer service. The core offering consists of the Mijn coeo customer portal for self-service debt management, cAI Technology (a proprietary AI ecosystem with 10 specialized modules for voice agents, text processing, analytics, fraud detection, and decision support), traditional collection services (pre-incasso, amicable, judicial), legal services, and the coeo CARE program for socially responsible collection. Additional offerings include Embedded Collections (Pay & Go) for seamless payment integration, API-based integrations with accounting and ERP systems (Exact, SAP, Dispi, E-boekhouden), and debt monitoring services. The company operates from Rotterdam serving clients across 8 European countries as part of the Coeo Group.
Differentiator
Problem solved
Functional benefit
Brands
- Mijn coeo: Online self-service portal for debtors to view files, make payments, set up payment arrangements, and file objections.
- cAI Technology
- coeo CARE
- Embedded Collections
- Virle
Products and services
- cAI Technology Proprietary AI ecosystem for credit management and collection services consisting of 10 specialized AI modules (Voice Agent, Text Flow, Quality Sentinel, Virtual Assistant, Analytics Engine, Decision Navigator, Training Suite, Insight Co-pilot, Fraud Detector, Price Architect) enabling hyper-personalized customer communication, predictive analytics, fraud detection, automated voice/text processing, and process automation. Launched in 2025.
- Incasso Diensten (Collection Services) Full-service debt collection for businesses with unpaid invoices, covering pre-incasso (reminder letters), amicable collection, and judicial collection phases. Features omnichannel communication, real-time dashboards, scalable volume handling from thousands to millions of cases, and integration via API.
- Juridische Diensten (Legal Services) Legal advisory services including credit management process analysis, contract and general terms review, AVG/GDPR compliance, and judicial collection procedures. Covers civil law, commercial law, and property law matters.
- coeo CARE (Special Care Team) Socially responsible collection service with a specialized team for customers with complex or long-term debt situations. Features a dedicated CARE coach, AI-driven identification of vulnerable situations, active pause of collection process with guidance, and access to social network support.
- Embedded Collections (Pay & Go) Embedded payment solution integrating Coeo's payment page directly into a client's own platform, enabling customers to pay outstanding collection amounts without leaving the client's environment and immediately resume service. Includes automatic payment reminders and customizable payment links.
- Schuldbewaking (Debt Monitoring) Debt monitoring service with real-time database connections for continuous customer data collection. Enables monitoring of customer situations and immediate action when new collection opportunities arise.
- Mijn coeo (Customer Portal) Self-service consumer portal enabling debtors to view dossiers, make payments via iDEAL, set up payment arrangements, file objections, and access their financial overview. Available 24/7 with responsive design across desktop, tablet and smartphone. Major version update launched March 2025 with human-centred design and new URL portal.coeo-incasso.nl.
Quantifiable outcome
- Improved collection percentages for clients through professional approach and friendly communication style
- +3 more outcomes
Companies that use Coeo Inkasso
Customer profileNamed customers10 records
Segments8 records
Ideal customer profiles1 record
Coeo Inkasso technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability10 records
Feature12 records
Coeo Inkasso partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core, strategic and minor.
- BuckaroocoreBuckaroo payment platform integration with coeo provides seamless payment processing and professional follow-up by coeo, ensuring timely payments without damaging customer relationships. Integral solution for businesses of all sizes.
- TwikeystrategicTwikey and coeo partnership focuses on integrating payments and collections as one continuous flow, providing more control, less manual work and much more efficient follow-up for clients.
- ExactstrategicExact accounting software integration allowing clients to automatically initiate collection trajectories from Exact system.
- SAPstrategicSAP ERP system integration enabling automatic collection initiation for SAP users.
- Visma | OnguardstrategicPartnership making collection process easier through debtor management software integration.
- SoldMineminorSustainable initiative partner allowing customers to exchange old electronic devices for money to pay outstanding bills. Supports financial situation improvement.
Scale indicators8 records
Recent moves10 records
Expansion highlights6 records
Coeo Inkasso competitors and assessment
Company assessmentDirect peers
- Lowell: UK and European credit management group known for tech-enabled collections and a strong focus on customer treatment. Closely comparable to Coeo's combination of AI tooling, self-service portals and a 'human-touch' brand positioning.
- B2Holding: Nordic-headquartered credit management company with pan-European operations. Comparable to Coeo in cross-border debt purchase and third-party collection services, with similar focus on European geography and enterprise clients.
- EOS Group: One of Europe's largest debt collection service providers, operating across multiple European countries with a mix of amicable and judicial collection. Comparable to Coeo in pan-European footprint, B2B client mix and focus on digitized collection processes.
- Hoist Finance: Swedish specialist in non-performing loans and debt collection across Europe. Overlaps with Coeo on European credit management services and operating presence in Nordic markets, with a comparable B2B client base.
Emerging players
- Teylor: Swiss digital debt collection platform serving SMEs and enterprises with API integrations. Comparable to Coeo in emphasis on API-first, embedded collection workflows and a smaller-scale, technology-led European footprint.
- PAIR Finance: Berlin-based fintech using AI-driven, behavioural collections for consumer debt. Closely comparable to Coeo's cAI voice/text and analytics modules, with a similar focus on digital, customer-friendly collection experiences.
Broad incumbents
- Intrum: The largest listed European credit management company. Overlaps with Coeo across amicable and judicial debt collection, outsourced servicing and B2B client base, but operates at far greater scale and offers a broader portfolio of credit services.
- Riverty (formerly Arvato Financial Solutions): Bertelsmann-owned financial services provider offering debt collection, factoring and credit management across Europe. Comparable to Coeo in targeting enterprise B2B clients with embedded, API-driven collection flows within larger commerce platforms.
Others
- CreditSafe: European business credit bureau and data provider. Adjacent to Coeo in the credit management value chain, supplying debtor data and risk information that collection agencies (including Coeo) use for skip tracing and portfolio prioritization.
- Buckaroo: Dutch payment service provider and Coeo's named payment platform partner. While not a direct competitor, it is closely linked as part of Coeo's embedded payment and collections distribution stack.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks5 records
Key highlights6 records
Customer concentration
Coeo Inkasso social profiles
Digital presenceCoeo Inkasso compliance and trust
Trust signalCompliance6 records
Coeo Inkasso financial estimates
Financial estimateRevenue estimate
Valuation estimate
Coeo Inkasso leadership team
Management profileNumber of profiles
Profiles5 records
Coeo Inkasso funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Coeo Inkasso M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Coeo Inkasso
What does Coeo Inkasso do?
Coeo Inkasso provides B2B debt collection and credit management services for businesses with outstanding invoices, including pre-incasso, amicable collection, and judicial collection phases. The core offering is augmented by a proprietary AI ecosystem (cAI Technology) with 10 specialized modules for automated customer communication, voice/text processing, fraud detection, and decision support. Services also include legal/compliance support, a socially responsible Special Care Team (coeo CARE), embedded payment solutions, and API-based integration with client ERP/accounting systems. The Mijn coeo consumer portal enables 24/7 self-service for debtors.
Is Coeo Inkasso a public or private company?
Coeo Inkasso is a private company. It is classified as corporate owned and is currently operating.
When was Coeo Inkasso founded?
Coeo Inkasso was founded in 2010. It employs 51 to 100 people.
Where is Coeo Inkasso based?
Coeo Inkasso is headquartered in Rotterdam, Netherlands, in the Europe region.
How does Coeo Inkasso make money?
Four revenue lines are on record. Debt Collection Services are the primary driver. The others are legal & Compliance Services, AI-as-a-Service (cAI) and API Integration Services.
Who are Coeo Inkasso's main competitors?
Direct peers on record are Lowell, B2Holding, EOS Group and Hoist Finance. Emerging players are Teylor and PAIR Finance. Broad incumbents are Intrum and Riverty (formerly Arvato Financial Solutions). Others are CreditSafe and Buckaroo.
Does Coeo Inkasso have an API?
Yes. Coeo offers an API for integration with client systems including accounting and debtor management software. The API enables automatic dossier creation, real-time status synchronization, and seamless integration with accounting software like Dispi, E-boekhouden, and Exact, as well as ERP systems such as SAP. Clients can manage information in real-time directly within their own systems. Developer documentation is at app.coeo-incasso.nl/login.
What industry is Coeo Inkasso in?
Coeo Inkasso's product category is Debt Collection and Credit Management Services. Its primary akta.pro industry code is FSAKAJAH, Credit Counseling & Debt Management Plans (DMP). Its NAICS code is 561440 and its SIC code is 7320.