What Suretec Solutions does

Suretec Solutions GmbH is a German vertical-SaaS vendor founded in 2000 that builds advisory software for the country's insurance and financial services industry. The company serves financial advisors, insurance intermediaries (Vermittler/Makler), insurance companies (Versicherer), and to a lesser extent real estate advisors and mortgage brokers, all operating in Germany. Its portfolio comprises roughly twenty products organized into commercial-customer advisory (SureRisk, SureSecure Notfallkoffer, bAV-Arbeitgeberberatung), private-customer advisory (VorsorgeOptimierer plus, bAV-Optimierer, ImmoPrognos, Basisrenten-Rechner, Riester- and Wohn-Riester calculators, Notfallkoffer Privat, InvestitionsOptimierer), and a layer of free Tools and Motivators used for lead generation (LebenserwartungPlus, Rentenschätzer gesetzlich, ImmoChance, Frauen-Rentenrechner, GKV-Rückkehrrechner, Erbschafts- und Schenkungssteuerrechner, Rentenlückenschätzer, VorsorgeCheck).

The underlying technology is a Java and web-based advisory platform supporting online, offline, stand-alone, and integrated deployment modes, with mobile variants in native/hybrid and PWA form. Differentiators include TÜV-certified calculation accuracy, VVG-compliant automatic documentation, embedded coverage of all five occupational pension implementation pathways, integrated salary conversion tariff agreements (over 100), and domain rules for German regulatory frameworks (VVG, BRSG, salary conversion, property depreciation). Distribution combines a SaaS platform hosted by Suretec with white-label deployments customized to partner branding and embedded on insurer and Sparkassen websites.

Revenue is generated through SaaS subscriptions, white-label/embedded licensing, and training and consulting services (delivered in part via the flow im business partnership); pricing is contact-based and not publicly disclosed, with a freemium tier of calculators used as lead magnets. The company operates under a holding structure with Suretec Holding GmbH, Suretec Solutions GmbH, and Suretec Systems GmbH under sole managing director Graziela Wolschendorf. In a material adverse development, Suretec Systems GmbH announced permanent cessation of operations effective July 1, 2026, following the opening of insolvency proceedings.

Name

Suretec Solutions

Legal name

Suretec Systems/Solutions GmbH

Website

https://suretec.de

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Insurance and Financial Advisory Software

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)

akta.pro secondary industries

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

Keywords

• Insurance advisory software
• Occupational pension planning
• Retirement calculation tools
• Real estate investment calculators
• Financial advisory consulting

Headquarters

HQ city

Troisdorf

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Software Subscriptions: The company provides advisory software as a cloud-hosted subscription service. Financial advisors and insurance companies pay for access to the platform. The software includes a comprehensive suite of tools for retirement planning, risk management, and insurance advisory. Hosting is managed by Suretec (SaaS model).
2. Customized / White-Label Software Licensing: Suretec creates individualized versions of its tools customized with customer branding (logos, colors, corporate identity), custom default values, and tailored marketing texts. These are deployed on customer websites as embedded tools. This creates recurring or licensing revenue from financial service partners.
3. Training and Consulting Services: Through the flow im business partnership, Suretec offers tool-supported advisory training for insurance companies and broker organizations, particularly in the area of women's retirement planning advisory.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

Suretec develops and licenses TÜV-certified advisory software for the German insurance and financial services industry, focused on occupational pensions (bAV), statutory and private retirement planning, risk management, real estate investment analysis, and inheritance/gift-tax scenarios. Its portfolio is delivered as SaaS, white-label embedded tools, mobile apps, and consulting services to financial advisors, insurance intermediaries, insurance companies, and employers.

Product overview

Suretec Solutions offers a comprehensive portfolio of advisory software and consulting tools for the German insurance and financial services industry. The product portfolio consists of three main categories: (1) Core consulting software for commercial customers including SureRisk for risk management, SureSecure Notfallkoffer for emergency planning, and bAV-Arbeitgeberberatung for employer pension consulting; (2) Core consulting software for private customers including ImmoPrognos for real estate investment analysis, bAV-Optimierer for occupational pension optimization, VorsorgeOptimierer plus for comprehensive pension planning, InvestitionsOptimierer for investment optimization, Notfallkoffer Privat for personal emergency planning, and specialized calculators for Basisrenten (Rürup), Riester, and Wohn-Riester products; and (3) Tools and Motivators for quick needs assessment and sales support including the Frauen-Rentenrechner for women's pension planning, ImmoChance for real estate purchase price calculation, Rentenschätzer for statutory pension estimation, LebenserwartungPlus for life expectancy calculation, Erbschafts- und Schenkungssteuerrechner for inheritance tax, Rentenlückenschätzer for pension gap estimation, GKV-Rückkehrrechner for health insurance return analysis, and VorsorgeCheck for comprehensive pension analysis. Additional services include Mobile Solutions for cross-platform advisory access and Business Consulting for sales strategy development. The company positions itself as providing complete advisory support enabling insurance agents and brokers to deliver legally compliant, high-quality consulting.

Differentiator

Problem solved

Functional benefit

Brands

• SureSecure: Emergency kit solution for business customers to ensure company continuity in case of owner incapacity
• SureRisk
• bAV-Arbeitgeberberatung
• ImmoPrognos
• ImmoChance
• bAV-Optimierer
• VorsorgeOptimierer plus
• Basisrenten-Rechner
• Riester-Förderrechner
• Wohn-Riester-Rechner
• InvestitionsOptimierer
• Notfallkoffer Privat
• VorsorgeCheck
• Frauen-Rentenrechner
• Rentenschätzer gesetzlich
• LebenserwartungPlus
• Erbschafts- und Schenkungssteuerrechner
• Rentenlückenschätzer
• GKV-Rückkehrrechner

Products and services

• SureRisk

Quantifiable outcome

• Less than 20% of commercial decision-makers have adequate emergency succession planning in place, representing a large market opportunity for advisors using SureSecure Notfallkoffer
• +2 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature10 records

Partnerships

Two partnerships are on record, tiered core and minor.

• flow im businesscoreStrategic or Co-development Partner · 1 January 2025Since 2025, Suretec cooperates with flow im business, a company specializing in social sustainability in the insurance industry. The partnership focuses on tool-supported advisory training for insurance companies and broker organizations, particularly in women's retirement planning advisory. Flow im business offers the Female Insurance Mentoring (FIM) program for female leaders in the insurance industry, and integrates a family- and socially-conscious approach into ongoing transformation processes.
• Interessenvertretung IV50Plus e.V.minorOthers · 1 January 2022Suretec has been a supporting member (Fördermitglied) of Interessenvertretung IV50Plus e.V. since 2022. The organization advocates for the interests of people over 50 and aims to drive societal change to successfully meet the challenges of demographic change.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• adesso SE: German IT consultancy and software vendor with a strong insurance vertical, providing SaaS solutions and project services to insurers and banks. Comparable to Suretec in selling technology and consulting into the German insurance distribution and advisory ecosystem.
• msg systems AG: Major German IT services and software provider for the insurance and banking industry, including insurance core SaaS, claims and advisor enablement. Closely comparable to Suretec as a B2B Insurtech/insurance-IT vendor serving German insurers with workflow software and consulting.
• FIL Fondsbank GmbH (Fondsdepot Bank): Platform bank serving independent financial advisors in Germany with fund/Riester/pension infrastructure. Comparable to Suretec because both supply the back-end tooling that German financial advisors use to deliver retirement and investment advice to end-clients.

Broad incumbents

• Hypoport AG (EUROPACE): Listed German fintech operating the EUROPACE platform for mortgage and real estate financing distribution. Comparable to Suretec's ImmoPrognos/ImmoChance line because both provide advisor-facing technology for real estate financing workflows in Germany.
• Swiss Life Deutschland (Swiss Life Select): Insurance group with a large tied advisor network (Swiss Life Select) using proprietary advisor software for retirement, bAV and protection planning. Comparable to Suretec because both deliver and rely on software-driven advisory workflows for the German financial advisor channel.
• ARAG SE: German insurer with legal, health and retirement products, using its own and partner advisor tools. Comparable to Suretec as a German insurance market participant that both purchases advisory software and competes for the same end-clients.
• Allianz SE (Allianz Beratungs- und Vertriebssoftware): Largest German insurer, with extensive proprietary advisor tooling for its agent and partner distribution. Comparable to Suretec as a large incumbent that itself is a buyer of and competitor for insurance-advisory software in Germany.
• zeb.rolfes.schierenbeck.associates (zeb): Strategy and IT consultancy focused on European financial services, especially insurance. Comparable to Suretec in providing advisory and IT services to German insurance and banking clients, though at a much larger strategic/consulting scale.

Emerging players

• moneymeets GmbH: German Insurtech/Wealthtech platform enabling digital insurance and investment advisory. Comparable to Suretec as a technology platform that helps financial advisors and end-clients transact and advise on insurance and retirement products in Germany.

Others

• Oliver Wyman (Marsh McLennan): Global management consultancy serving insurance and financial services firms with strategy, digital and operations work. Comparable to Suretec at the consultancy/advisory services layer that often touches insurance distribution transformation projects in Germany.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

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• LinkedInlinkedin.com/company/suretec-systems-gmbh

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Suretec Solutions