What Exacta does

Exacta S.p.A. is an Italian A-Tech (Advice & Technology) group headquartered in Mondovì (Cuneo, Piedmont) that provides credit management, consulting, and training services primarily to Italian Public Administrations and major utility companies. Founded in 1994, the group operates through a multi-subsidiary structure: EXACTA Credit Management SpA (formed in October 2024 through the merger of Creden and Team Evolution) handles end-to-end credit lifecycle services from pre-legal through Master Legal recovery for banking credits, utilities, and proprietary NPL portfolios; Dasein Srl (absorbing Macpal Srl effective January 2026) delivers administrative, financial, legal, and HR consulting and training to local public entities; Area Srl is the original credit-collection arm; WAN Srl develops and maintains the group's proprietary technology platforms; and Anthea Srl is the resources subsidiary. The group also owns and manages €1.2 billion in NPL portfolios acquired in 2021 through Team Evolution.

The group's technology stack is proprietary and built internally: WAN develops and maintains platforms covering all phases of credit management and administrative applications for the consulting and training businesses; the group has invested in translating work processes into proprietary applications, with ISO 9001:2015 certification of WAN's service delivery. In 2022, the group introduced Erica, an AI virtual assistant used to engage stakeholders through simulated conversation, query handling, product/service recommendation, and appointment scheduling.

Revenue is generated through three streams: managed services (third-party credit recovery and own-book NPL servicing on a fee-for-recovery basis), professional services (project-based consulting, training, and retainer contracts with municipalities and public entities), and platform licensing/technology. Go-to-market is direct enterprise field sales — a national commercial network of consultants and field sellers engaging municipal administrators, secretaries, and finance directors across all Italian regions, anchored by Special Brand sponsorship at the ANCI National Assembly and a 'Se Sei Sindaco' mayor community of approximately 3,600 members. Pricing is not publicly disclosed; contracts are project- and engagement-based.

The ownership structure shifted materially in April 2025 when AMCO — a full-service credit management company whose share capital is 99.78% held by the Italian Ministry of Economy and Finance — acquired 80% of Exacta from holding company Eulero Capital, positioning Exacta within a quasi-state-aligned platform with a systemic mandate in public-interest NPL and tax-recovery services. Operations remain domestic-only (Italy).

Name

Exacta

Legal name

Exacta S.p.A.

Website

https://exactaspa.it

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

101–250 employees

Short description

Exacta is an Italian A-Tech group providing credit management, consulting, and training services primarily to Italian Public Administrations and utility companies. Through EXACTA Credit Management, Dasein, WAN, and other subsidiaries, it delivers recovery, advisory, and proprietary technology platforms domestically.

Ownership category

akta.pro rank

Product category

Credit Management & Public Administration Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Colleges, Universities, and Professional Schools (61131)

SIC

Miscellaneous Business Credit Institution (6159), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)

akta.pro secondary industry

Reconciliation, Ledgering & Money Movement Ops (Sub-ledgers, Settlement, Reporting) (FSAGALAL)

Keywords

• Credit management services
• Public administration consulting
• Debt recovery services
• NPL portfolio management
• Local government training

Headquarters

HQ city

Mondovi

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Credit Management Services: Exacta operates as a servicer for banking credits and utilities, managing the entire credit lifecycle including pre-legal, legal, and master legal phases. The company also manages proprietary NPL portfolios. Revenue is generated through service fees tied to credit recovery performance, both as a third-party servicer and for owned portfolios.
2. Consulting and Training for Public Administration: The group provides consulting and training services in the fields of programming and control, compliance, human resources, and financial management for local public entities. Services are delivered through group companies Dasein, Area, and Macpal. Revenue is generated through project-based consulting engagements, training programs, and retainer contracts with municipalities.
3. Technology Platform Licensing and Software: Exacta develops and deploys proprietary software platforms for credit management and administrative operations, offered to public administration clients and used internally. Revenue may be generated through platform licensing and software customisation fees.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Exacta is an Italian A-Tech group that delivers end-to-end credit management, debt recovery, and Master Legal services to utilities, banks, and public administrations through EXACTA Credit Management. It also provides consulting, training, and managed services in administrative, financial, legal, compliance, HR, and programming/control disciplines for local public entities via Dasein and Macpal. The group industrializes these service lines through proprietary in-house developed software platforms maintained by WAN, and supports stakeholders with the Erica AI virtual assistant.

Product overview

Exacta Spa is a unified group offering three core service lines: Credit Management, Consulting & Training, and Tech Innovation with proprietary platforms. Credit Management is delivered through Exacta Credit Management (EXACTA CM), combining Area, Creden, and Team Evolution for end-to-end credit lifecycle management including pre-legal, collection, and Master Legal phases. Consulting & Training is provided by Dasein (integrating Macpal from 2026) for administrative, financial, legal, and organizational services to public administrations. Tech Innovation is delivered through WAN with proprietary platforms spanning all credit management phases and administrative applications. Additional subsidiaries include Anthea for resources. The group also employs AI technology through Erica, a virtual assistant for customer interaction.

Differentiator

Problem solved

Functional benefit

Products and services

• EXACTA Credit Management (EXACTA CM) End-to-end credit management service covering the entire credit lifecycle (pre-legal, phone and home collection, Master Legal) for banking credits and utilities, operating as a servicer and managing proprietary NPL portfolios.
• Area (Credit Management & Debt Collection for Public Administrations) Credit management, debt collection, and recovery services for Italian public administrations, including pre-legal, legal, and master legal phases plus tax collection and treasury management support.
• Dasein (Consulting & Training for Public Administrations) Administrative, financial, legal consulting, and training services for Italian local public administrations, specializing in human resources, programming and control, compliance, and organization.
• Macpal (Training & Consulting Services) Training and consulting services for public administrations and organizations, now integrated into Dasein from January 2026 as the group's training and consulting pillar.
• Technology Platforms (developed by WAN) Proprietary software platforms spanning all phases of credit management and administrative applications for consulting and training activities, offered to public administration clients and used internally by the group's subsidiaries.

Quantifiable outcome

• EXACTA Credit Management received the 'Eccellenza nel Master Legal Edizione 2026' award for its evolved integrated model combining pre-legal and legal phases, optimizing cost-benefit ratio and maximizing recovery performance.
• +1 more outcomes

Named customers17 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature4 records

Partnerships

Four partnerships are on record, tiered minor and core.

• Bureau VeritasminorOthers · 1 January 2024Bureau Veritas conducted the audit and issued the UNI PdR 125:2022 Gender Equality certification to Exacta Spa in 2024.
• Se Sei Sindaco (Community)minorOthers · 1 January 2022Exacta supports the 'Se Sei Sindaco' online community of Italian mayors (approximately 3,600 members) active on social media, providing a platform for knowledge exchange among municipal leaders that indirectly supports Exacta's market reach.
• Credit Awards / CreditNewsminorOthersEXACTA Credit Management has been a repeat participant and winner at the Credit Awards, Italy's leading credit management industry awards.
• ANCI (Associazione Nazionale Comuni Italiani)coreStrategic or Co-development PartnerANCI is Italy's National Association of Italian Municipalities. Exacta participates as Special Brand sponsor at ANCI's annual assembly and co-organizes roundtables on topics such as local tax reform, public value, and public administration finance. This partnership is central to Exacta's market visibility and GTM strategy among Italian municipalities.

Scale indicators6 records

Recent moves8 records

Expansion highlights6 records

Others

• Banca Ifis: Italian bank with a dedicated NPL acquisition and management division (which is also an Exacta customer). Relevant as a buyer/seller of NPL portfolios that Exacta services and as a market reference point for portfolio pricing in Italy.

Broad incumbents

• Kruk SA: Largest debt collection company in Central Europe with growing Italian exposure. Comparable to Exacta in consumer and SME NPL management, providing a relevant benchmark for cross-border operating models.
• Cerved Group: Italy's leading credit information, data, and decisioning group, also active in NPL servicing via Securitisation Services. Comparable to Exacta in serving Italian banks, utilities, and public administrations with credit-related services.
• Intrum AB: Europe's largest credit management company, operating across multiple countries including Italy. Overlaps with Exacta in debt collection, NPL servicing, and financial-sector credit management, albeit at a much larger scale.
• Hoist Finance AB: European specialist in non-performing consumer credit portfolios. Comparable to Exacta in NPL servicing capabilities and in operating as both servicer and selective portfolio acquirer across multiple European jurisdictions.
• CRIF: Italian-headquartered global credit bureau and business information provider with adjacent credit management offerings. Competes with Exacta in providing decisioning, KYC, and credit lifecycle services to banks, utilities, and public-sector clients.

Direct peers

• doValue: Italy's largest credit servicer, managing NPL and UTPs for banks, investors, and public-sector entities. Directly competes with Exacta in Italian Master Legal and pre-legal recovery, sharing the same buyer universe of banks and utilities.
• Securitisation Services (Cerved Group): Specialist in servicing securitised NPL portfolios and master servicing for Italian banks and asset managers. Overlaps with Exacta's banking credit and NPL recovery franchise across the Italian market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/exactaspa

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 records

Subsidiaries8 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 Exacta