What Cross does

Cross is a Warsaw-headquartered custom software development company founded in 1988, operating as a privately held, family-run business with a team of 50+ software engineers distributed across offices in Warsaw, Opole, and Hamburg. The company serves enterprise clients primarily in the Utilities/Energy and Banking/Financial Services sectors in Poland and Germany, with named marquee relationships including PGNiG, EWE, PKO Bank Polski, PSG, the Polish Ministry of Finance, and Nestlé. Over its 30+ year operating history, Cross has delivered 200+ projects reaching more than 1.5 million end users.

The company's technology stack spans Big Data analytics, AI/ML, blockchain development (Cardano, Ethereum, Hyperledger, Polygon, Solana), Robotic Process Automation, and enterprise system integration. Its proprietary product portfolio is anchored by MeGa — a comprehensive utilities trading and supplier management system handling consumption recording, billing, debt collection, network inventory, and integration with Polish regulatory and credit systems (BIK, KRD, e-Court, JPK) — alongside CyfrowaSpółka (corporate governance and regulatory-compliance web portal) and e-BOK (customer self-service portal). Cross holds Plutus Pioneer certification for Cardano smart contract development, has consolidated eight SAP ASE database instances serving over 1.5 million users for a major client, and maintains deep integration partnerships with SAP and IBM (WebSphere MQ).

Cross operates a professional services, project-based revenue model with quote-based pricing and an enterprise field sales go-to-market motion targeting verticals where regulatory compliance (EMIR, JPK, CRBR) and operational complexity create demand for custom-built systems. Revenue is generated through custom software development, system integration and modernization engagements, RPA implementation, and blockchain/AI/ML consulting services. The company has no disclosed external funding rounds, public listing, or institutional investors, and operates as an independent, founder/family-owned firm.

Name

Cross

Legal name

Cross

Website

https://crossbm.com

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

101–250 employees

Short description

Cross is a Warsaw-based custom software development firm founded in 1988 serving utilities, banking, and government enterprises in Poland and Germany with proprietary platforms (MeGa, CyfrowaSpółka, e-BOK) and expertise spanning Big Data, AI/ML, blockchain, RPA, and SAP/IBM enterprise system integration.

Ownership category

akta.pro rank

Product category

Custom Software Development

NAICS

Custom Computer Programming Services (541511), Computer Systems Design Services (541512)

SIC

Services-Computer Programming Services (7371), Services-Computer Programming, Data Processing, Etc. (7370), Services-Computer Integrated Systems Design (7373)

akta.pro primary industry

Mid/Back Office & Accounting (ERP, Billing, Reconciliation, Reporting) (THALAGAA)

Keywords

• Custom software development
• Blockchain smart contracts
• Big data analytics
• Robotic process automation
• Enterprise system integration

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Custom Software Development Services: Bespoke software development from concept through design, implementation and support. Works collaboratively with clients using agile or waterfall methodologies depending on client needs.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Cross is a custom software development company that builds bespoke enterprise software, including its proprietary MeGa system for utilities trading and supplier management and the CyfrowaSpółka (DigitalCompany) platform for corporate regulatory management. The company also delivers project-based services in Blockchain & Smart Contracts, Big Data & AI/Data Science, Robotic Process Automation, and System Integration & Modernization, primarily serving Utilities/Energy and Banking clients in Poland and Germany.

Product overview

Cross is a custom software development company offering a portfolio of interconnected solutions for utilities, banking, and corporate governance sectors. The core product MeGa serves as a comprehensive utilities trading and supplier management system, which is extended by modules including e-BOK (customer portal), MeVi (payment/debt collection), e-ZUD (partner portal), and Inkasent (mobile collector app). For corporate clients, CyfrowaSpółka provides a regulatory compliance web portal. Additional offerings include AI-powered sentiment analysis and cryptocurrency trading tools, banking solutions for bonds/securities trading and EMIR reporting, and technology modernization services (SAP migrations, IBM WebSphere integrations). The company also provides blockchain development services (Cardano Plutus, Ethereum, Hyperledger) and RPA implementation.

Differentiator

Problem solved

Functional benefit

Brands

• MeGa: Complex system for companies trading and supplying utilities including consumption recording, reading schedules, network inventory, billing, debt collection, and advanced reporting.
• e-BOK
• CyfrowaSpółka

Products and services

• MeGa Complex enterprise system for companies trading and supplying utilities, handling consumption recording, reading schedule management, network inventory, product/service sales, billing, debt collection, advanced reporting, and integration with external and internal systems. Targeted at utility providers such as EWE, PGNiG, PSG, Vervis, Elektrix, and Green, and used by their end customers via integrated portals.
• CyfrowaSpółka (DigitalCompany) Comprehensive web portal for managing formal and regulatory issues of a firm in a single place, including register of shares, CRBR (Transparency Register on Beneficial Owners) filings, corporate documents, board meetings, and mass correspondence. Targeted at individual firms, holdings, investment firms, and law offices seeking to automate regulatory-compliant corporate governance and reduce legal fees.
• Custom Software Development Bespoke software development service covering desktop, mobile (Android/iOS), and web (websites, e-commerce, web apps) delivered from concept through design, implementation, and support using agile or waterfall methodologies. Targeted at enterprise clients needing tailored solutions in utilities, banking, government, and other industries.
• Blockchain & Smart Contracts Blockchain development services covering Hyperledger Fabric, Ethereum, Polygon, Solana, and Cardano platforms, including Plutus smart contracts, NFTs, fungible tokens, and metadata solutions, delivered by Plutus Pioneer-certified developers. Targeted at enterprises and consortia seeking distributed ledger applications.
• Big Data, AI & Data Science Big Data strategy, technology selection, and implementation services, including building AI models for classification, prediction, and recommendation systems on structured and unstructured data. Targeted at enterprises needing data-driven analytics and AI capabilities.
• Robotic Process Automation RPA services that deploy software robots to automate recurring, repetitive, and manual processes such as invoice data entry, order processing, spreadsheet calculations, KYC/AML, customer registration, and HR workflows, operating 24/7 without human error. Targeted at banking, finance, customer service, logistics, and HR functions in enterprises.

Quantifiable outcome

• Drastic decrease in operational costs of IT systems (requires less cores, less memory and fewer hardware licenses)
• +5 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability10 records

Feature8 records

Partnerships

Two partnerships are on record, tiered core.

• SAPcoreTechnology or IntegrationTechnical integration partner for enterprise systems. Implemented SAP ASE database consolidation projects and SAP IQ reporting solutions. IBM WebSphere MQ adapter for communication with corporate bus. Integration with SAP systems for utilities management solutions.
• IBMcoreTechnology or IntegrationIBM WebSphere MQ Adapter Integration for communication with corporate ESB. Processes vast amounts of current data for MeGa system integration with SAP, SCADA, inventory management systems. Uses IBM technologies in technology stack.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Infosys: Global IT services major with established banking and energy practices. Competes with Cross for custom enterprise software and integration work, but at global scale across hundreds of clients and thousands of engineers.
• Capgemini: Global IT services leader with a sizable utilities and banking practice. Competes for the same enterprise custom software and systems integration deals as Cross, but at vastly larger scale and with broader portfolio.
• Accenture: Largest global IT and consulting firm with deep utilities and financial services verticals. Competes for the same large enterprise custom software engagements, but offers full-stack delivery capability well beyond Cross's 50-person team.

Direct peers

• Sygnity: Polish IT services and software vendor with focus on banking, finance, and public sector. Comparable in providing custom enterprise software to Polish financial institutions and government entities.
• Atende: Polish IT company providing custom software, system integration, and security solutions to enterprise clients. Comparable in size, geography, and custom enterprise software delivery model for Polish businesses.
• Asseco Poland: Largest Polish IT company, strong in banking software and systems integration. Comparable in custom enterprise software delivery, banking systems focus, and serving Polish financial institutions and government.
• CGI Group: Global IT services firm with one of the strongest utilities-sector practices in the industry. Closely comparable in combining custom software development with deep domain expertise in energy, gas, and banking.
• Tietoevry: Nordic-headquartered IT services and software company with significant utilities, energy, and banking vertical focus. Comparable business model combining custom development with sector-specific platforms for utilities and financial services.
• Comarch: Krakow-headquartered Polish IT firm offering custom software and packaged solutions across banking, utilities, telecom, and healthcare. Closest direct peer by geography, vertical mix (especially banking and utilities), and custom-software-plus-product-portfolio model.

Emerging players

• Oracle Utilities: Product-focused unit within Oracle providing packaged billing, customer care, and meter data management for utilities. A partial competitor to MeGa, but competes with packaged SaaS rather than Cross's custom-development model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xtwitter.com/CrossSoftware
• Facebookfacebook.com/Cross-Software-House-105717781871435
• LinkedInlinkedin.com/company/cross-custom-software

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Cross