What Bidli does

Bidli is a privately-held Czech housing and energy services platform headquartered in Nové Město na Moravě, founded in 2003 and operating as a multi-vertical one-stop-shop covering the full lifecycle of Czech homeownership. The company integrates five business lines under a single relationship: housing financing (mortgages, cooperative housing, consumer loans, insurance), real estate transactions (purchase, sale, marketing, development), photovoltaic and heat-pump technology with proprietary smart energy management (Chytrý SPOT, iKomunita), retail energy supply through its wholly-owned BIDLI energie a.s., and investment products including own-issued bonds and the CNB-supervised BIDLI investiční fond SICAV, a.s. Cumulative scale metrics disclosed include 111B CZK in facilitated loan contracts since 2003, 13,561 properties sold since 2010, 2,273 installed photovoltaic systems, 16,036 energy supply clients, and 57 housing cooperatives with 9.5B CZK in assets under management.

The underlying technology combines an integrated client platform (moje.bidli.cz portal plus iOS/Android apps) with proprietary energy hardware-software stacks. Chytrý SPOT is an intelligent energy management system compatible with ten inverter brands (SMA, SolarEdge, Fronius, Victron, AlphaESS, Deye, GoodWe, Growatt, Sofar, Solax) that optimizes battery charging, water heating, and grid usage against hourly spot-market prices and weather-based production forecasts, advertising up to 35% savings versus standard SPOT tariffs. iKomunita is a community energy sharing solution for apartment buildings operating under Czech LEX OZE I and II legislation, claiming 65% energy utilization versus 30% for standard community systems through proprietary battery management. The E-sdílej platform manages a 300 GWh electricity portfolio across 1,500+ installations and is open to non-Bidli energy clients, expanding the addressable network beyond direct customers.

Bidli generates revenue through a hybrid mix: transaction fees and commissions on mortgages (working with 10+ banks including ČSOB, Sberbank, Zonky, Hypoteční banka, and Modrá pyramida), real estate transactions, and cooperative housing; hardware sales and installation for photovoltaic and heat pump systems; subscription/recurring revenue from BIDLI energie electricity and gas supply (FIX and SPOT pricing); licensing-style fees from the BIDLI Investment Fund SICAV managed by AVANT (162 funds, 133B CZK AUM as of June 2024); and bond issuance with fixed returns of 5.1-6.5% p.a. Distribution combines a 749-strong mobile field sales force, physical branches across the Czech Republic, the digital self-serve portal, and partnerships with banks, insurance carriers (Allianz, Direct), the Broker Trust advisory network, and certified installer partners. The company operates exclusively in the Czech Republic and is not publicly listed; ownership appears to be founder/management-controlled with no disclosed institutional investor backing.

Name

Bidli

Legal name

BIDLI investiční fond SICAV, a.s.

Website

https://bidli.cz

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

251–500 employees

Short description

Bidli is a privately-held Czech integrated housing and energy platform offering financing, real estate transactions, photovoltaic installations, retail energy supply, and investment products to Czech households and SMEs through a 749-strong mobile field sales force, proprietary smart energy management technology, and CNB-regulated investment funds.

Ownership category

akta.pro rank

Product category

Housing & Energy Services

NAICS

Other Individual and Family Services (62419), New Housing For-Sale Builders (236117), Community Food and Housing, and Emergency and Other Relief Services (6242)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Residential Demand Response (Smart Thermostats, HVAC, Water Heating, Home Batteries) (EUAFAGAA)

akta.pro secondary industries

Customer Grid-Edge Enablement Services (HEMS/DR Device Integration, VPP Enablement) (EUAEANAL), Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC), Market Bidding, Scheduling & Ancillary Services Optimization (Auto-bidder) (EUAFAKAG)

Keywords

• Housing finance services
• Real estate brokerage
• Photovoltaic installations
• Retail energy supply
• Cooperative housing

Headquarters

HQ city

Nove Mesto Na Morave

HQ country

Czechia

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Supply Chain

Revenue model

1. Financial advisory and mortgage brokerage commissions: Commissions from facilitating housing financing including mortgages, cooperative housing financing, consumer loans, and insurance products. Works with more than 10 banks to find optimal solutions for clients. Revenue generated through commissions and fees on successful loan placements.
2. Photovoltaic system sales and installation: Complete photovoltaic system design, installation, and maintenance for residential homes, apartment buildings, and commercial properties. Revenue from system sales, installation fees, and ongoing servicing contracts.
3. Energy supply (electricity and gas): Bidli Energie supplies electricity and gas to households and businesses. Revenue from energy supply contracts with both fixed and spot pricing models. Manages over 16,036 signed energy clients.
4. Real estate transaction fees: Fees from facilitating property purchases, sales, and rentals. Services include property marketing, professional photography, video/3D tours, showings, negotiation support, and complete legal services including escrow.
5. Investment products (bonds and fund management): BIDLI investment fund SICAV, a.s. manages real estate-related investments. Own Bidli bonds offer 5.1-6.5% p.a. fixed returns. Fund managed by AVANT investment company with 8.15% growth in prior 12 months. Revenue from fund management fees and bond issuance.
6. Corporate financing and mezzanine financing: Business financing services for entrepreneurs and established companies to fund development, property acquisition/sales, and operational needs. Provides mezzanine financing (up to 30 years) secured by real estate, often supplementing bank financing.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Bidli is an integrated Czech housing and energy platform that delivers financing (mortgages, cooperative housing, consumer loans, insurance, investments, corporate financing), real estate transaction services (purchase, sale, development, buyouts), photovoltaic and heat-pump installations, retail electricity and gas supply (Bidli Energie), and the Chytrý SPOT smart energy management system, all coordinated through a 749-strong mobile specialist network, branch offices and the moje.bidli.cz digital portal.

Product overview

Bidli operates as a comprehensive housing and energy services platform combining financial services, real estate, and renewable energy technology. The Financial Services division includes housing financing (Financování bydlení), cooperative housing (Družstevní bydlení), consumer loans (Spotřebitelský úvěr), insurance (Pojištění), investments (Investice), and business financing (Firemní financování). The Real Estate division encompasses property purchase/sale services, buyouts and debt resolution, professional marketing, and development projects. The Technology and Energy division provides photovoltaic systems for residential, commercial, and apartment buildings, heat pumps, maintenance services (Bidli SERVIS), and smart energy management (Chytrý SPOT). Bidli Energie delivers retail electricity and gas, while E-sdílej enables community energy sharing. The portfolio is integrated through a unified approach where financing connects with property services and energy solutions, enabled by the Bidli mobile application for customer management.

Differentiator

Problem solved

Functional benefit

Brands

• Bidli dluhopisy: Investment bonds for developers' projects with real estate backing
• Bidli SERVIS
• Chytrý SPOT
• E-sdílej
• Bidli ve svém
• iKomunita
• BIDLI investiční fond SICAV, a.s.

Products and services

• Financování bydlení (Housing Financing) Mortgage loans, construction savings loans and cooperative housing financing for Czech homebuyers, with access to 10+ partner banks to find optimal financing solutions.
• Družstevní bydlení (Cooperative Housing) Cooperative housing solution enabling Czech consumers to occupy a property without a traditional mortgage, with the option to transfer ownership later. Bidli manages 57 housing cooperatives serving 1,374 members with 9.5 billion CZK in cooperative assets.
• Spotřebitelský úvěr (Consumer Loans) Unsecured consumer loans for Czech consumers for home improvements, vehicle purchases and unexpected expenses, arranged via partner banks including Zonky, with quick approval.
• Pojištění (Insurance) Insurance brokerage arranging life, property, automobile, liability, travel and accident cover through partner insurers including Allianz and Direct.
• Investice (Investment Products) Investment products for Czech retail and qualified investors spanning Bidli bonds (5.1–6.5% p.a., 6-year horizon, 4% entry fee), the ČNB-supervised BIDLI investiční fond SICAV, a.s. (managed by AVANT, 8.15% growth on priority shares over 12 months to Feb 28, 2025), and custom portfolios of funds, bonds, savings accounts, building savings, pension savings and commodities with 3–10 year maturities.
• Firemní financování (Corporate Financing) Business financing for Czech entrepreneurs and companies covering mezzanine financing (up to 30 years, secured by real estate) supplementing bank financing, plus development project and operational capital.
• Nákup nemovitosti (Property Purchase Service) Full-service property purchase for Czech buyers including property search, financing arrangement, showings, negotiation support and complete legal handling via attorney escrow.
• Prodej nemovitosti (Property Sales Service) Property sales service for Czech sellers including professional marketing (photography, video, 3D tours, targeted ads), buyer matching, pricing strategy, complete legal handling and attorney escrow (AK ARRWOS).
• Výkupy a oddlužení (Property Buyouts and Debt Resolution) Direct property purchase and debt-resolution service for Czech owners needing a quick sale or facing financial difficulties, providing rapid transaction closure without extended marketing cycles.
• Novostavby (Development Projects) Bidli's own development projects delivering new-build apartments and houses to modern standards, with end-to-end service from purchase through relocation.
• Fotovoltaické elektrárny pro rodinné domy (Photovoltaic Systems for Family Homes) Turnkey photovoltaic systems for Czech family homes including design, installation, financing (with optional zero-initial-cost rental or FVE FIX purchase with fixed energy tariff), connection to Bidli Energie and optional Chytrý SPOT management. Model example cites cumulative savings of 848,000 CZK over 15 years versus no photovoltaic.
• Fotovoltaické elektrárny pro bytové domy (Photovoltaic Systems for Apartment Buildings) Photovoltaic solutions for Czech apartment buildings using the iKomunita community energy system (up to 65% utilization vs. 30% standard) or the Jednotné odběrné místo (JOM) single-metering-point model, with installation subsidy handling under Czech law.
• Fotovoltaické elektrárny pro firmy (Commercial Photovoltaic Systems) Commercial-grade photovoltaic installations for Czech businesses including financing options, project documentation, grid connection and battery storage, designed to lower operating energy costs and increase energy self-sufficiency.
• Tepelná čerpadla pro rodinné domy (Heat Pumps for Family Homes) Heat pump systems for Czech household heating and hot water with subsidy assistance and financing options; model example cites 57,500 CZK annual savings and 1,901,292 CZK total savings over 20 years.
• Fotovoltaický ohřev vody (Solar Water Heating) Solar water heating systems for Czech households eligible for subsidies of up to 45,000 CZK, without requiring a full photovoltaic installation.
• Bidli SERVIS (Photovoltaic Maintenance) Comprehensive photovoltaic maintenance including warranty and post-warranty servicing, thermal-camera inspections, 24/7 remote monitoring from the dispatch centre, preventive maintenance every three years, firmware updates and hidden-fault detection.
• Chytrý SPOT (Intelligent Energy Management) Intelligent energy management system for Czech photovoltaic owners that tracks real-time production, market prices and household consumption to optimize battery charging, water heating and grid draw; offers up to 35% savings versus standard SPOT tariffs and is compatible with the major inverter brands (SMA, SolarEdge, Fronius, GoodWe, Huawei, Deye, Growatt, Sofar, Solax, Victron, AlphaESS).
• Bidli Energie (Electricity and Gas Supply) Retail electricity and gas supply for Czech households and businesses via Bidli energie, a.s., offering BIDLI SPOT market-linked pricing, Chytrý SPOT optimized pricing and BIDLI gas FIX subscriptions; 16,036 signed energy clients served.
• E-sdílej (Community Energy Sharing Platform) Online platform enabling Czech photovoltaic owners to share surplus electricity with other community members; manages a 300 GWh electricity portfolio across 1,500+ installed photovoltaic power plants with 97% verified customer satisfaction; open to both Bidli energy clients and non-clients.
• BIDLI investiční fond SICAV, a.s. (Investment Fund) Diversified qualified-investor fund managed by AVANT investiční společnost, a.s., focused on real-estate and financial transactions; ČNB-supervised; priority investment shares grew 8.15% over the 12 months to 28 February 2025.

Quantifiable outcome

• 111 billion CZK in loan contracts facilitated since 2003
• +9 more outcomes

Named customers3 records

Segments7 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature4 records

Partnerships

14 partnerships are on record, tiered core, supporting and major.

• AVANT investiční společnost, a.s.coreStrategic or Co-development Partner · 4 October 2018AVANT investment company is the fund manager (obhospodařovatel) of the BIDLI investiční fond SICAV, a.s. AVANT manages 162 investment funds with over 133 billion CZK in assets (as of June 30, 2024). This is a core long-term partnership for managing the company's investment fund product.
• Komerční banka, a.s.coreStrategic or Co-development PartnerKomerční banka serves as the depositary bank (depozitářská banka) for BIDLI investiční fond SICAV, a.s., controlling all fund transactions. This is a regulatory requirement and core partnership ensuring investor protection.
• BDO Audit s.r.o.supportingOthersAuditor for the BIDLI Investment Fund SICAV, a.s., verifying accounting statements. Independent audit firm ensuring financial transparency and regulatory compliance.
• ČSOB (Československá obchodní banka)majorChannel Partner/ Reseller/ DistributorBanking partner offering housing financing products. Listed among bank partners on the finance services page. Bidli works with more than 10 banks to find optimal solutions for clients.
• SberbankmajorChannel Partner/ Reseller/ DistributorBanking partner for housing financing products. Listed as one of more than 10 banking partners facilitating mortgage and loan products.
• ZonkymajorChannel Partner/ Reseller/ DistributorPeer-to-peer lending platform partner for consumer financing products. Listed as financial services partner on the finance page.
• DirectmajorChannel Partner/ Reseller/ DistributorInsurance partner offering insurance products through the Bidli platform. Listed alongside other insurance and banking partners.
• AllianzmajorChannel Partner/ Reseller/ DistributorInsurance partner providing insurance products through Bidli's platform. One of the leading insurance companies in the Czech Republic.
• Modrá pyramida (Building Savings Bank)majorChannel Partner/ Reseller/ DistributorBuilding savings partner for housing financing solutions. Offers building savings products as part of Bidli's comprehensive housing financing comparison.
• Hypotéční bankamajorChannel Partner/ Reseller/ DistributorSpecialized mortgage bank partner offering housing loans. Listed among the bank's 10+ financial institution partners for housing financing.
• iKomunita (iKomunita.cz)coreTechnology or IntegrationBidli is a partner of the iKomunita project, which provides community energy sharing solutions for apartment buildings. iKomunita uses proprietary technology and utility models with patent-protected approaches. Bidli is among the certified companies allowed to install the system. iKomunita solves the timing mismatch between solar production (daytime) and consumption (evening) through smart battery management.
• E-sdílej, z. s.coreTechnology or IntegrationE-sdílej (IČO: 22596241) is the community energy sharing platform operated by Bidli under §27e of the Energy Act. It connects local renewable energy producers with consumers. Registration is open to both Bidli energy clients and non-clients. Platform manages 300 GWh of electricity portfolio.
• AK ARRWOS (Attorney Office)supportingImplementation/ SI/ Consulting PartnerLegal services provider used for attorney escrow (advokátní úschova) in real estate transactions. Ensures secure handling of purchase price payments during property transfers.
• Broker TrustsupportingChannel Partner/ Reseller/ DistributorFinancial advisory network partner referenced on the finance page under ethical code and advisory services. Provides additional distribution channel for Bidli's financial products.

Scale indicators17 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• ČEZ Group: Czech national energy incumbent operating generation, distribution, and retail supply including ČEZ Prodej. Directly competes with Bidli Energie in household electricity and gas supply and with Bidli's PV business through ESCO solar offerings, but at vastly larger scale and as part of a fully integrated utility.
• Sunrun: Largest US residential solar lease and PPA provider with integrated battery and grid services. Comparable zero-upfront PV plus energy services thesis; useful as a benchmark for how a mature residential solar subscription platform scales, but operating in a fundamentally different regulatory and electricity market.
• E.ON Czech Republic: Major Czech energy retailer and distribution arm of E.ON, competing head-to-head with Bidli Energie on household and SME electricity/gas supply. Also offers solar and energy services that overlap with Bidli's PV and Chytrý SPOT business.

Direct peers

• 1Komma5°: Integrated home energy platform combining heat pumps, rooftop solar, dynamic tariffs, and EV charging across DACH. Highly comparable to Bidli's bundled financing-plus-technology-plus-supply approach, with similar proprietary energy management software ambitions.
• Enpal: Germany's leading residential solar leasing platform offering zero-upfront PV, battery storage, wallboxes, and integrated energy supply. Directly comparable to Bidli's 'Fotovoltaika bez vstupní investice' model plus Chytrý SPOT energy management, though operating at materially larger scale in a more mature market.

Regional players

• M&M Reality Holding: One of the largest Czech real estate brokerage networks. Comparable to Bidli's real estate transaction and marketing business, though lacking the financial advisory, energy, and PV verticals that Bidli bundles into its platform.
• Centropol: Czech independent energy supplier focused on households and SMEs with FIX and SPOT tariffs. Directly comparable to Bidli Energie in the retail supply layer, though without the broader housing/financing platform context.
• Hypoteční banka: Czech specialist mortgage bank and a Bidli banking partner. Competes directly with Bidli's mortgage brokerage at the financing layer and represents the type of established mortgage institution Bidli routes customers to or competes against for origination volume.

Emerging players

• Otovo: European residential solar subscription and installer serving 10+ markets. Comparable in its residential PV plus subscription/energy management model but geographically broader; represents the type of European consolidator Bidli could partner with or compete against.

Others

• Broker Trust: Czech financial advisory network referenced as a Bidli partner. Comparable as a financial distribution channel for housing and investment products, though without the real estate, energy, and PV verticals that make Bidli a one-stop platform.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCuR5eyt14GZNFEOyiSg6eww
• Facebookfacebook.com/bidlicz
• LinkedInlinkedin.com/company/bidli-se-vsim-vsudy
• Instagraminstagram.com/bidlicz?igsh=MWYwbHJtZTk0cXAwbg%3D%3D&utm_source=qr

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 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 Bidli