What Irec does

Irec s.r.l. is a Rome-based, licensed Italian debt collection and credit management agency that has operated since 1987 under its original name Istituto Romano Esazione Crediti. The company recovers commercial receivables for Italian SMEs, self-employed professionals (Partite IVA), and private individuals through three core service tracks: Recupero Soft (relationship-preserving extrajudicial collection), Recupero Classico (including judicial escalation with in-house legal support), and Gestione del Credito (ongoing credit management acting as the client's administrative office for collections). It holds License 115 T.U.L.P.S. issued by the Questura di Roma, which is the legal authorization required to operate as a debt collection agency in Italy.

The company's technology stack is built around proprietary scoring algorithms and a mobile platform. The Recuperometro assigns a 0–100 probability of recovery using a 10-question intake completed in roughly 60 seconds, segmenting cases as Complex, High, or Excellent recovery potential; the K-Score provides creditworthiness evaluations used in client-facing credit assessments. The I-REC mobile app delivers real-time case status, payment notifications, and on-demand credit analysis to clients, while Analisi RADAR supplies commercial intelligence reports that prospects can purchase to vet counterparties before transacting. An international network of agents and partner law firms across 150+ countries supports cross-border recoveries.

Irec operates a hybrid revenue model combining contingency-based debt recovery commissions (paid out of amounts recovered plus interest and legal costs charged to debtors) with fees for RADAR business intelligence reports and managed credit services. Pricing is not publicly tiered; the company emphasizes transparent, success-fee economics where the creditor client bears no upfront cost. Distribution runs through direct inside sales, account managers (e.g., Elisa Passeri), the company website (portal.irec.it), and the mobile app, supplemented by content marketing, earned media in major Italian outlets (La Stampa, Corriere della Sera, Il Sole 24 Ore), and a monthly newsletter. The company is PMI Innovativa-certified, completed an equity crowdfunding round on CrowdfundMe in December 2022, and is led by CEO Victor Khaireddin.

Name

Irec

Legal name

Irec s.r.l.

Website

https://irec.it

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

11–50 employees

Short description

Irec is a Rome-based, TULPS-licensed Italian debt collection agency founded in 1987, serving SMEs, freelancers, and private individuals with contingency-based commercial receivables recovery, proprietary credit scoring algorithms, and a mobile case-tracking app.

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Collection Agencies (56144), Credit Bureaus (561450)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Debt Recovery & Asset Recovery (Repossession Coordination, Collateral Recovery) (BPAAAEAE)

Keywords

• Commercial debt recovery
• Credit management services
• Debt collection agency
• Creditworthiness analysis
• International debt recovery

Headquarters

HQ city

Roma

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Debt Collection Services: Contingency-based debt collection services where fees are typically recovered from the debtor. Services include soft collection, classic collection, and credit management. Clients pay through recovered amounts plus interest and legal costs charged to debtors.
2. RADAR Business Analysis: Commercial information and business analysis reports providing creditworthiness evaluations, financial profiles, and reliability ratings on companies. Helps clients assess partners before engaging in business relationships.
3. Credit Management Services: Full-service credit management where Irec operates as the client's administrative office, calling debtors and managing invoice collections to prevent future non-payments.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

Irec is a licensed Italian debt collection agency that recovers unpaid commercial receivables on behalf of SMEs, self-employed professionals, and private individuals. Its core offering is Recupero Crediti, delivered through three approaches (Soft Recovery, Classic Recovery, and Gestione del Credito), complemented by RADAR business credit analysis reports and international recovery through a network of foreign agents and law firms. Service delivery is supported by proprietary technology including the I-REC mobile tracking app and the Recuperometro and K-Score scoring algorithms.

Product overview

Irec is a credit collection and management company serving Italian SMEs and professionals since 1987. The company operates as a licensed debt recovery agency (Licenza 115 T.U.L.P.S.) and offers an integrated portfolio of services centered on credit collection and business intelligence. The core offering includes Recupero Crediti (debt recovery with Soft, Classic, and Gestione del Credito approaches), complemented by Analisi RADAR for commercial credit analysis, the I-REC mobile App for real-time case tracking, and the proprietary Recuperometro/K-score algorithms for credit recovery probability scoring. The company also provides international debt recovery through a global network and debtor profiling services.

Differentiator

Problem solved

Functional benefit

Products and services

• Recupero Crediti (Debt Recovery Service) Core debt collection service for Italian SMEs, professionals, and private individuals, offering customized approaches to recover unpaid invoices either by preserving the client-debtor relationship (Soft Recovery) or by pursuing full recovery including judicial action (Classic Recovery), with credit management available as an outsourced receivables function.
• Analisi RADAR (Commercial Credit Analysis) Real-time commercial intelligence and creditworthiness analysis service that provides financial profiles, reliability ratings, and risk indicators on companies, enabling clients to vet business partners, suppliers, and prospects before engaging in transactions.
• I-REC App Mobile application available to all Irec clients that delivers real-time updates on debt recovery cases, push notifications on each successful payment, and credit reliability analyses of companies (debtors, competitors, customers) with 0-100 reliability ratings.
• Recuperometro Proprietary algorithm-based assessment tool that scores the probability of recovering a given debt on a 0-100 scale, categorizing cases as Complex (0-30), High (31-70), or Excellent (71-100) recovery potential. Used to qualify cases and set client expectations upfront.
• Identikit del Debitore (Debtor Profiling) Debtor profiling service that classifies debtors into 8 typologies to optimize the choice of recovery strategy and approach for each individual case.
• International Debt Recovery International debt collection service enabling Italian clients to recover receivables from debtors located abroad, executed through Irec's global network of partner agents and law firms in 150+ countries.

Quantifiable outcome

• 60-90 day average collection timeframe
• +3 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• International Network (Agents and Law Firms)coreOthersNetwork of international agents and law firms operating in over 150 countries worldwide for international debt recovery. Enables the company to recover debts from debtors located anywhere globally.
• Convenzionato Law Firm (Romania)coreImplementation/ SI/ Consulting PartnerPartner law firm in Romania that handles judicial proceedings when extrajudicial collection fails. Utilized in case studies for international recovery requiring legal action.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• B2 Holding: Norwegian-headquartered European debt purchase and collection group. Comparable to Irec as a competitor offering debt collection services across multiple European jurisdictions, with active M&A expansion.
• EOS Solutions: Major European debt collection group operating across multiple countries. Comparable to Irec as a competitor offering cross-border commercial and consumer debt recovery, with a broader international footprint.
• Coface: Global trade credit management insurer operating a debt collection arm. Comparable to Irec in offering business credit information and international debt recovery services to corporate clients.
• Atradius Collections: International B2B debt collection business of Atradius, a global trade credit insurer. Comparable to Irec in providing cross-border commercial debt recovery and credit information, but at significantly larger scale.
• Intrum: Europe's largest listed debt collection and credit management company. Comparable to Irec as a direct competitor offering B2B and consumer debt recovery across multiple European markets, but at much larger scale.
• Lowell Group: Large European debt purchaser and collection services provider. Comparable to Irec in the consumer and SMB debt-recovery space, with broader geographic coverage and significant portfolio acquisition activity.
• Kruk: Leading European debt collection and credit management company listed in Poland. Comparable to Irec as a pan-European debt recovery specialist with proprietary scoring and portfolio-purchase capabilities.

Direct peers

• Cerved: Italian credit information, ratings, and business data provider. Comparable to Irec's credit-analysis and creditworthiness-reporting services for Italian businesses evaluating counterparties.
• CRIF: Italian-headquartered credit bureau and business information provider. Comparable to Irec's RADAR business-analysis offering and complementary to its debt collection services, both targeting the Italian SME market.

Emerging players

• Modefinance: Italian fintech and credit rating agency offering automated creditworthiness assessments for SMEs. Comparable to Irec's RADAR analysis and Recuperometro scoring services, focused on the same Italian SMB market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/irecsrl
• LinkedInlinkedin.com/company/irec-gestionecredito

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Irec