What Positive does

Positive is a Bratislava-headquartered, founder-owned IT company that develops software and provides services for the financial intermediation market in Slovakia and the Czech Republic. Its core product set centers on the Maklérsky informačný systém ICM, a 20-year-old brokerage management system with contract, client, agent team, commission, and regulatory reporting capabilities (available in MLM and Agency versions); MultiKalkulačka, an online non-life insurance comparator and contract-conclusion tool with 12 carrier integrations, payment gateway, and vehicle data lookup; and Positive Life, a risk life insurance analytical comparator. These are complemented by integration and compliance modules including Positive Access Point (SSO to carrier and bank systems), Central Data API (automated data consolidation from insurance carriers), eZáznam (online mediation record confirmation with two-factor authentication), PositiveID (AML identity verification with liveness detection and sanctions screening), Klient Online (client document portal), Garantovaný Partner (carrier partnership program), and Bezpečný Kuriér (secure authenticated email).

The technology stack is a conventional LAMP-style architecture built on PHP with the Laravel framework, Vue.js, MySQL, and Linux server infrastructure, with no disclosed AI/ML components. Positive also delivers professional services spanning GDPR compliance consulting, NBS licensing representation, legislative alignment, sales intermediation, turnkey brokerage formation (Ready Made Maklér), telemarketing, and custom web/mobile application development. At scale, the company reports 1.7 million insurance contracts managed and 408 million EUR in prescribed premiums processed through ICM, 77 broker licenses, and 250,000 paperless contract proposals representing 22 million EUR in premiums and 135 tons of paper saved in 2022 alone.

Positive operates a B2B enterprise sales motion targeting tier-1 insurance carriers (Allianz, Union, Generali, Kooperativa, Groupama, ČSOB, Uniqa, Wüstenrot, Komunálna poisťovňa, NN), broker networks (Broker Service Group, Winners Group, OVB, Fingo, Broker Consulting, MPS, Anderson), and self-employed financial advisors, serving approximately 100 licensed financial intermediaries. Revenue is generated through multi-year enterprise SaaS subscriptions plus custom-priced professional services, with pricing not publicly disclosed. The group operates as a multi-entity holding (Positive s.r.o., Positive Services s.r.o., Positive Media s.r.o., positive software s.r.o., and Czech subsidiary positive digital s.r.o.), is bootstrapped with no external funding, and runs a lean team of approximately 15 employees led by founder and CEO Filip Schochmann.

Name

Positive

Legal name

Positive s.r.o.

Website

https://positive.sk

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Positive is a Bratislava-based, founder-owned software company that builds broker management systems, insurance comparison tools, and regulatory compliance modules for financial intermediaries in Slovakia and the Czech Republic, serving roughly 100 licensed insurers, brokerages, and self-employed financial advisors.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Software

NAICS

Computer Systems Design and Related Services (54151), Custom Computer Programming Services (541511)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Vendor & Contract Management (Software/Cloud) (BPAEAOAD)

akta.pro secondary industry

Contract Administration Support (PO/Contract Compliance) (BPAAAJAE)

Keywords

• Insurance broker software
• Financial intermediation software
• Insurance comparison platform
• Broker management system
• Fintech compliance solutions

Headquarters

HQ city

Bratislava

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Software Licensing/Subscription: The company generates revenue primarily through licensing its software products (ICM broker management system, MultiKalkulačka comparison tool) to financial services companies. Products are offered with user support and customization options.
2. Professional Services: Additional revenue streams include professional services such as GDPR compliance consulting, legislative alignment services, license application representation, business formation services (Ready Made Maklér), and telemarketing services.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Positive develops and licenses an integrated suite of software products for financial intermediaries and insurance brokers in Slovakia and the Czech Republic. Its core offerings include MultiKalkulačka (an online non-life insurance comparator with contract conclusion), the Maklérsky systém ICM (brokerage management system for contracts, clients and commissions), and complementary modules for SSO, AML identity verification, automated data collection, and client portals. The company also provides professional services covering licensing, GDPR compliance, legislative alignment and custom software development.

Product overview

Positive operates as a modular platform-plus-services architecture for the Slovak and Czech financial intermediation market. The core product family includes MultiKalkulačka (non-life insurance comparator with online contract capability), Maklérsky systém ICM (comprehensive brokerage management system in MLM and Agency versions), and Positive Life (life insurance analytical tool). These core products are augmented by integration and productivity modules including Positive Access Point (SSO access to financial institutions), Central Data API (automated insurance data collection), eZáznam (online document verification), Klient Online (client document portal), PositiveID (AML identity verification), and Garantovaný Partner (insurance company partnership program). Complementary services cover the full lifecycle of financial intermediaries including licensing representation, GDPR compliance, legislative alignment, telemarketing, and custom web/mobile application development. The products share a common technology stack and are designed to be mutually compatible and integrated into a comprehensive information system ecosystem.

Differentiator

Problem solved

Functional benefit

Products and services

• MultiKalkulačka Online comparator for non-life insurance products that enables financial agents to compare, calculate premiums, generate PDF offers, and complete insurance contracts online with integrated payments.
• Maklérsky systém ICM (Insurance Contract Manager) Comprehensive brokerage information system for managing insurance contracts, clients and agent teams, including commission calculation, license management, activity and lead management, NBS statistical reporting, available in MLM and Agency versions.
• Positive Life Analytical tool for financial agents that compares risk life insurance products online, performs premium calculations, generates PDF offers with sales arguments, and provides coverage analysis.
• PositiveID Remote client identity verification solution for AML compliance, supporting liveness detection, sanctions list screening, politically exposed persons verification and identity document validity checks.
• Central Data API Web service that automates data collection from insurance company systems into broker management systems, providing consolidated data on insurance portfolios, payment status, receivables, canceled contracts and commission reports.
• Positive Access Point Identity Access Management solution using Single-Sign-On (SSO) that unifies agent access across multiple insurance company, banking and financial institution partner systems.
• eZáznam (eRecord) Online confirmation system for Records of Financial Service Mediation and other documents, using two-factor authentication (SMS and email) for verification and enabling remote contract completion.
• Klient Online (Client Online) Cloud-based web and mobile application that provides clients and agents with access to financial product documentation, contract information, payment details and direct brokerage communication.
• Bezpečný Kuriér (Secure Courier) Secure email communication application that protects sensitive documents with two-factor authentication and password-protected attachments, including identity documents.
• Zastúpenie v žiadaní o licenciu (Licensing Representation) Service handling NBS license application representation, document preparation and Commercial Register registration for aspiring self-employed financial agents.
• GDPR Compliance Services (Nariadenie GDPR) GDPR compliance consulting and verification services including personal data audits, security documentation, data protection impact assessments, processing records, training and outsourcing of data protection officers.
• Ready Made Maklér Turnkey service for becoming a self-employed financial agent, bundling company establishment, licensing, documentation, contracts with financial institutions and provision of ICM and KalkulackaOnline.sk brokerage systems.
• Zosúladenie s aktuálnou legislatívou (Legislative Alignment) Service ensuring compliance with current financial intermediation law and anti-money laundering regulations, including preparation of guidelines and records for financial service mediation.
• Telemarketing Services Telemarketing services including direct sales of products and services, specialized lead conversion for the financial market, customer care and database updates.
• Tvorba mobilných aplikácií (Custom Mobile App Development) Custom mobile application development for iOS and Android using modern technologies, with example applications including Financial Report (augmented reality features) and Bezpečný Kuriér.
• Tvorba webových stránok (Custom Web Development) Custom website, e-shop, web application and information system development using PHP, MySQL, JavaScript, HTML, CSS3 and Flash technologies, with Linux hosting and domain registration.

Quantifiable outcome

• 250,000 paperless contract proposals created in 2022
• +5 more outcomes

Named customers20 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature8 records

Scale indicators12 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• Vertafore: Vertafore is the largest US-based provider of agency and broker management systems (AMS360, Sagitta, Applied Epic integration). It is a broad incumbent in the same product category as Positive's ICM, but US-focused and serving very different customer segments.
• Applied Systems: Applied Systems sells Applied Epic, the dominant North American broker management system, and has expanded into the UK. It is a direct functional analog of ICM at vastly larger scale and represents the kind of Western consolidator that could acquire Positive for CEE footprint.
• Duck Creek Technologies: Duck Creek provides cloud-native insurance core systems (Policy, Billing, Claims) used by mid-market P&C carriers globally. While primarily carrier-facing, its SaaS delivery model and European carrier deployments make it a strategic adjacent comparable and a relevant exit-comp benchmark.
• Guidewire Software: Guidewire is the leading global core-systems platform for Property & Casualty insurers (PolicyCenter, BillingCenter, ClaimCenter). It addresses a different layer (carrier core vs. broker tooling) but increasingly extends into broker/agent portals, making it a strategic adjacent competitor and a potential acquirer.

Direct peers

• Prima Solutions: Prima Solutions is a French vendor of insurance and reinsurance software including broker and policy administration suites. It competes in the same vertical SaaS category as Positive and serves a comparable intermediary customer base across Europe.
• Insly: Estonia-headquartered Insly is a cloud insurance broker and MGA platform with policy administration, claims, and broker-portal capabilities. It is the closest direct peer in terms of product surface (broker-facing SaaS for intermediated insurance), and competes with Positive in CEE expansion plays.
• Tia Technology: Tia Technology is a Danish insurance software platform serving brokers and carriers with policy administration, claims and agent portals. Comparable product scope and target customer (insurance intermediaries) make it a meaningful direct peer in the European mid-market.

Regional players

• Unicorn: Unicorn is a Czech-headquartered IT services and software vendor serving banks, insurers and government across CEE. It is comparable as a regional IT vendor competing for the same Slovak/Czech financial-institution wallet, though its product surface is broader and less insurance-verticalized than Positive's.
• Solitea: Solitea is a Czech business-software group with verticals in finance, insurance and ERP, serving SMEs and intermediaries in the same CEE geography as Positive. It competes regionally for similar mid-market financial-services software budgets.
• Asseco Central Europe: Asseco Central Europe is a Slovakia-headquartered IT services and software group serving banks, insurers and brokers across CEE. It overlaps with Positive in customer base (Slovak/Czech financial institutions) and competes for enterprise software mandates in the same geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebooksk-sk.facebook.com/Positive.sw.sk
• LinkedInsk.linkedin.com/company/positive-sk
• Instagraminstagram.com/positive_sro/?hl=sk

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries4 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 Positive