Aktivbank

Specialized Commercial Banking (Zentralregulierung and Factoring)aktivbank.de

AKTIVBANK AG is a BaFin-licensed specialized bank offering Zentralregulierung central clearing and Factoring to German Mittelstand firms, purchasing associations, and their suppliers via cloud-based Web-ZR and @ktiv-web 2.0 portals.

Company typePrivate
Founded1990
HeadquartersFrankfort, United States
Headcount101–250
GTM typeB2B
OfferingServices

What Aktivbank does

AKTIVBANK AG is a BaFin-licensed specialized bank (Spezialbank) headquartered in Frankfurt am Main, founded in 1990 and operating as a subsidiary of ANWR GROUP eG within the German cooperative ecosystem. The bank delivers two integrated working-capital product lines: Zentralregulierung (central clearing), a bank-backed settlement and payment hub that processes invoices between purchasing associations (Einkaufsverbände), their member retailers, and suppliers with full 100% delcredere coverage and consolidated single-sum billing; and Factoring, which purchases B2B receivables for up to 100% payout within 24 hours with full credit-risk coverage and optional receivables management. The product set is augmented by ZR*flex* (on-demand 30/60/90-day payment-term extensions), a Factoring Rechner for instant cost calculation, and the Fynbiz-powered AKTIVBANK KreditCheck for comparing financing offers from approximately 300 banks and specialty financiers.

The technology backbone consists of two cloud-based, 24/7 self-service portals — Web-ZR for Zentralregulierung members and suppliers, and @ktiv-web 2.0 for factoring clients — together with a PSD2-compliant XS2A interface implemented via Atruvia AG on the Berlin Group NextGen specification (v1.2, production since June 14, 2019). AKTIVBANK is a member of the BVR deposit protection scheme and the Deutscher Factoring Verband, and aligns with the January 2025 German e-invoicing mandate through dedicated content and product support. The bank serves over 60,000 firm customers and purchasing associations across more than 20 industries, concentrated in the German Mittelstand, with an additional office in Pforzheim.

Go-to-market combines direct enterprise sales with a channel layer anchored in purchasing association partnerships and a Vermittler (broker/agent) portal for Factoring intermediaries. Revenue is generated transactionally — fees on settlement volumes, factoring fees, and interest income on extended payment terms — with pricing negotiated per contract and tailored to individual credit situations. Marketing spans a multi-channel mix including LinkedIn, Facebook, Instagram, YouTube, XING, MailChimp newsletters, SEO/content, and partner referral programs. Customer references highlight long-tenured relationships with associations such as VME and BAUVISTA, underscoring entrenched positioning within German cooperative retail and construction supply chains.

Aktivbank firmographics

Firmographics

Name: Aktivbank
Legal name: AKTIVBANK AG
Website: https://aktivbank.de
Company type: Private
Founded year: 1990
Operating status: Operating
Headcount range: 101–250 employees
Short description: AKTIVBANK AG is a BaFin-licensed specialized bank offering Zentralregulierung central clearing and Factoring to German Mittelstand firms, purchasing associations, and their suppliers via cloud-based Web-ZR and @ktiv-web 2.0 portals.
Ownership category
akta.pro rank

Aktivbank industry classification

Industry

Product category: Specialized Commercial Banking (Zentralregulierung and Factoring)
NAICS: Sales Financing (52222)
SIC: Short-Term Business Credit Institutions (6153)
akta.pro primary industry: Invoice Financing, Factoring & Receivables Management (FSAGAJAB)

Keywords

Central invoice clearing
Mittelstand factoring services
Purchasing association banking
B2B receivables financing
Delcredere coverage solutions

Where Aktivbank is headquartered

Location

Headquarters

HQ city: Frankfort
HQ country: United States
HQ region: North America

Offices2 records

Markets served

Aktivbank business model

Business model

GTM type: B2B
Offering type: Services
Cost components: Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

Zentralregulierung (Central Clearing) Fees: AKTIVBANK charges fees to purchasing associations and their members for central clearing and settlement services, including document processing, payment processing, and delcredere coverage. The bank also earns interest income from extended payment terms (ZR*flex*).
Factoring Fees and Interest: AKTIVBANK purchases accounts receivable from clients (up to 100% of invoice value minus a fee), collects from the client's customers, and earns factoring fees plus interest income. The bank bears the credit risk (delcredere) for outstanding receivables.

Pricing tiers

Model	Billing	Price
Transaction based/ take rate	Pay-as-you-go	Factoring - Standard

Go-to-market motion2 records

Distribution channels5 records

Marketing channels9 records

Aktivbank product offering

Product offering

Core offering

AKTIVBANK is a BaFin-licensed specialized bank offering Zentralregulierung (centralized invoice clearing and payment hub between purchasing associations, their members, and suppliers with 100% delcredere coverage) and Factoring (selling of B2B receivables for up to 100% payout within 24 hours, with full default risk coverage). These are delivered through proprietary digital self-service portals (Web-ZR and @ktiv-web 2.0) and supplemented by ZR*flex* (payment term extensions), the AKTIVBANK KreditCheck comparison tool, and the Factoring Rechner calculator.

Product overview

AKTIVBANK is a specialized bank (Spezialbank) offering a unified platform of financial services centered on two core products: Central Regulation (Zentralregulierung) and Factoring. Central Regulation is delivered through the Web-ZR information platform, enabling bank-backed settlement and payment processing between purchasing associations, members, and suppliers. Factoring services are delivered via the @ktiv-web 2.0 portal, allowing companies to sell invoices for immediate liquidity. The product ecosystem includes complementary modules: ZR*flex* for extended payment terms, AKTIVBANK KreditCheck for financing comparisons, and a Factoring Calculator. The bank also provides standard banking services including Online-Banking and invoice archiving. AKTIVBANK operates under BaFin authorization as a member of the BVR cooperative banking system.

Differentiator

Problem solved

Functional benefit

Brands

Web-ZR: Digital information platform for Zentralregulierung (centralized invoice processing) providing 24/7 access for members and suppliers to manage documents and billing.
@ktiv-web 2.0
ZR*flex*

Quantifiable outcome

Forderungsausfall-Schutz (100% delcredere) — suppliers receive guaranteed payment even if the buyer defaults
+4 more outcomes

Companies that use Aktivbank

Customer profile

Named customers2 records

Segments6 records

Ideal customer profiles4 records

Aktivbank technology and API

Technology

Technology focussed No

API detail

Has API: Yes
API docs
API detail

Core technology

AI maturity

App detail

Integration2 records

Feature5 records

Aktivbank partnerships and signals

Strategic signal

Partnerships

Nine partnerships are on record, tiered core and minor.

BVR (Bundesverband der Deutschen Volksbanken und Raiffeisenbanken)coreOthersAKTIVBANK is a member of the BVR and participates in the BVR deposit protection scheme (Sicherungseinrichtung). The BVR is the central organization for German cooperative banks.
Deutscher Factoring VerbandcoreOthersAKTIVBANK is a member of the Deutscher Factoring Verband (German Factoring Association), indicating industry leadership and adherence to industry standards.
Verband elektronische Rechnungen (VeR)minorOthersAKTIVBANK is a member of the Verband elektronische Rechnungen (Association for Electronic Invoicing), supporting compliance with e-invoicing regulations.
BankenfachverbandminorOthersAKTIVBANK is a member of the Bankenfachverband (Banking Industry Association), supporting specialized banking activities.
Atruvia AGcoreTechnology or IntegrationAtruvia AG serves as AKTIVBANK's technical service provider for PSD2/XS2A interface implementation based on the Berlin Group NextGen specification. The partnership enables secure account information and payment initiation services for third-party providers.
GREEN FOREST FUND e.V.minorOthersAKTIVBANK partnered with GREEN FOREST FUND e.V. to plant approximately 300 trees as part of its sustainability and environmental commitment.
The Hand ProjectminorOthersAKTIVBANK participated in The Hand Project, an international initiative that builds and donates prosthetic hands. Two AKTIVBANK teams built two hand prostheses (costing €850 total) that were fitted to recipients in Nepal at a Fitting Camp.
Tierschutzverein Pforzheim und UmgebungminorOthersAKTIVBANK supports the Tierschutzverein Pforzheim und Umgebung animal shelter as part of its social engagement program.
Break14 (Kinder- und Jugendkulturwerkstatt)minorOthersAKTIVBANK employees participated in a cooking event at Break14, a children's and youth cultural workshop, as part of social engagement activities under the sustainability and social responsibility initiative.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Aktivbank competitors and assessment

Company assessment

Market position

Competitive moat6 records

Key highlights7 records

Customer concentration

Aktivbank compliance and trust

Trust signal

Compliance5 records

Aktivbank financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Aktivbank leadership team

Management profile

Number of profiles

Profiles9 records

Aktivbank funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Aktivbank M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Aktivbank

What does Aktivbank do?

Is Aktivbank a public or private company?

Aktivbank is a private company. It is classified as corporate owned and is currently operating.

When was Aktivbank founded?

Aktivbank was founded in 1990. It employs 101 to 250 people.

Where is Aktivbank based?

Aktivbank is headquartered in Frankfort, United States, in the North America region.

How does Aktivbank make money?

Two revenue lines are on record. Zentralregulierung (Central Clearing) Fees are the primary driver. The others are factoring Fees and Interest.

Does Aktivbank have an API?

Yes. Aktivbank offers a PSD2-compliant XS2A (Access to Account) interface enabling third-party providers (TPPs) - payment service providers issuing card-based payment instruments, account information service providers, and payment initiation service providers - to access online payment accounts. The interface is implemented based on Berlin Group NextGen specification version 1.2 through technical service provider Atruvia AG. The sandbox/test environment has been available since March 14, 2019, and production environment since June 14, 2019. Developer documentation is at atruvia.de/drittanbieter-schnittstelle-xs2a.

What industry is Aktivbank in?

Aktivbank's product category is Specialized Commercial Banking (Zentralregulierung and Factoring). Its primary akta.pro industry code is FSAGAJAB, Invoice Financing, Factoring & Receivables Management. Its NAICS code is 52222 and its SIC code is 6153.