AdvoNeo Schuldnerberatung

What AdvoNeo Schuldnerberatung does

AdvoNeo Schuldnerberatung is a Hamburg-based, state-recognized debt counseling firm operating as AdvoNeo Services GmbH. Founded in 1999 and managed by Geschäftsführer Arne Bening, the company is admitted under §305 of the German Insolvency Code (InsO) and the Legal Services Act (RDG), authorizing it to conduct both out-of-court debt settlements (außergerichtliche Einigung) and consumer insolvency proceedings (Verbraucherinsolvenz/Privatinsolvenz) on behalf of over-indebted private individuals across Germany. The firm operates a digital-first service model, providing free initial consultations and handling cases remotely nationwide without dependence on local branch offices.

The service catalog includes preparation of creditor plans, representation in insolvency court proceedings, negotiation of debt reduction settlements, and guidance through the typical 3-6 year path to debt discharge (Restschuldbefreiung). Underlying technology consists of a standard website intake (Landbot chatbot), online consultation scheduling, and case-management workflows delivered by a team of 11-50 employees. The firm cites 25+ years of combined practitioner experience and outcomes including negotiated debt reductions and asset retention during the insolvency process.

The business model is fee-for-service, billed directly to consumer clients on a tiered basis scaled to total debt amount (for example, 690 EUR for debts up to 5,000 EUR, scaling upward for larger debt brackets, with custom pricing above 35,000 EUR). Pricing is published openly on the website. The customer base is entirely B2C, with no enterprise or institutional segment. The firm is privately held with no disclosed parent company, funding rounds, or M&A history, and operates as a standalone owner-managed GmbH.

Name

AdvoNeo Schuldnerberatung

Legal name

AdvoNeo Services GmbH

Website

https://advoneo-schuldnerberatung.de

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

AdvoNeo Schuldnerberatung is a Hamburg-based, state-certified German debt counseling firm (AdvoNeo Services GmbH) founded in 1999, providing out-of-court settlements and consumer insolvency proceedings to over-indebted private individuals nationwide via a digital-first model with tiered fee-for-service pricing.

Ownership category

akta.pro rank

Product category

Debt Counseling Services

NAICS

Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH)

akta.pro secondary industry

Debt Settlement & Negotiation Services (FSAEAFAC)

Keywords

• Debt counseling services
• Consumer insolvency proceedings
• Creditor negotiation services
• Out-of-court debt settlement
• Garnishment advisory services

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Debt Counseling and Entschuldung Services: AdvoNeo generates revenue through professional debt counseling and debt resolution services. The company charges fees for its services, which are based on the individual debt amount and situation. The initial consultation is provided free of charge. As a state-certified debt counseling service under §305 InsO, they offer both out-of-court debt settlements and consumer insolvency preparation.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

AdvoNeo Schuldnerberatung is a state-certified debt counseling service (§305 InsO) that helps over-indebted private individuals in Germany become debt-free. The core offering consists of two primary pathways: Außergerichtliche Einigung (negotiated out-of-court debt settlements with creditors) and Verbraucherinsolvenz/Privatinsolvenz (consumer insolvency preparation and certificate issuance), supported by property retention, account/wage garnishment advisory, and digital-first nationwide delivery.

Product overview

AdvoNeo Schuldnerberatung operates as a §305 InsO-certified debt counseling platform offering a unified service portfolio centered on debt resolution for private individuals. The core offering consists of two primary procedural pathways: (1) Außergerichtliche Einigung (extrajudicial settlement) for negotiated debt reduction without court involvement, and (2) Verbraucherinsolvenz/Privatinsolvenz (consumer insolvency) for court-supervised debt clearance achievable within 3 years. Supporting modules include Immobilie behalten (property retention) to protect real estate during debt resolution, online and in-person Schuldnerberatung, Kontopfändung and Lohnpfändung (garnishment support), plus self-service tools like the Gläubigerliste template and Pfändungsrechner calculator. The Schuldenfrei-Ratgeber provides supplementary educational content. The portfolio functions as a comprehensive, vertically integrated debt resolution service rather than a modular software platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Schuldnerberatung (Debt Counseling) State-certified debt counseling service providing comprehensive support for individuals seeking to become debt-free, either through extrajudicial settlement or consumer insolvency proceedings. Designed for over-indebted private individuals in Germany.
• Außergerichtliche Einigung (Extrajudicial Settlement) Out-of-court debt settlement procedure in which AdvoNeo negotiates with creditors to reduce total debt and establish a manageable monthly repayment plan, enabling clients to become debt-free without insolvency proceedings.
• Verbraucherinsolvenz / Privatinsolvenz (Consumer Insolvency) Court-supervised consumer insolvency procedure under the German Insolvency Code (InsO) leading to debt clearance (Restschuldbefreiung), with AdvoNeo preparing the application and conducting the required extrajudicial settlement attempt, and issuing the §305 InsO certificate.
• Immobilie behalten (Property Retention) Specialized service helping property owners avoid forced auction by reducing other debts through extrajudicial settlement, allowing clients to continue financing their home alongside debt repayment.
• Schuldnerberatung Online (Online Debt Counseling) Digital debt counseling service enabling nationwide access across Germany via an online inquiry form, delivering the same advisory quality as in-person engagements, anchored by a free initial consultation.
• Kontopfändung (Account Garnishment) Support service for clients facing bank account attachments, including assistance with setting up a protection account (P-Konto) to secure minimum funds and managing the broader debt situation.
• Lohnpfändung (Wage Garnishment) Advisory service helping clients manage wage garnishment situations and develop strategies to protect income while working toward full debt resolution.

Quantifiable outcome

• Average debt reduction of approximately 40% through out-of-court negotiations
• +3 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Creditolo GmbH: German private debt advisory firm that negotiates with creditors on behalf of over-indebted consumers. Closely comparable to AdvoNeo on service model (extrajudicial settlement focus), customer segment (German over-indebted individuals), and digital inquiry-led GTM. Differentiates by being more concentrated on consumer debt restructuring than on full consumer insolvency support.
• Caritas Deutschland: The German Catholic welfare federation and one of the largest providers of §305 InsO-certified Schuldnerberatung in Germany. Operates both extrajudicial settlement and consumer insolvency preparation under the same regulatory framework as AdvoNeo, but is publicly funded and free to clients — making it the principal competitive alternative in the segment.
• Diakonie Deutschland: Germany's largest Protestant welfare federation offering state-certified debt counseling nationwide through its member organizations. Provides comparable §305 InsO-certified services including out-of-court settlement and insolvency preparation, in direct competition with AdvoNeo — but offers the service free of charge via social/public funding.
• AWO Bundesverband e.V. Germany's workers' welfare association, operating certified debt counseling through regional chapters. Offers comparable §305 InsO-certified services including extrajudicial settlement and insolvency preparation, often at no direct cost to clients — comparable to AdvoNeo on service mix but nonprofit-funded and free at point of use.

Regional players

• Money Advice Trust: UK charity operating the National Debtline, providing free debt advice to British consumers. Mirrors AdvoNeo's counseling + insolvency-preparation offering under UK-specific regulatory frameworks. Not directly competitive due to geography, but the nonprofit-funded structure provides a useful comparison for AdvoNeo's positioning against free public alternatives in Germany.
• StepChange Debt Charity: The UK's largest debt charity, offering free regulated debt advice and Debt Management Plans. Closely analogous to AdvoNeo in mission and service structure but operates in the UK under FCA regulation rather than §305 InsO. Geographic distance rules out direct competition, but the operating model offers a credible comparison for service design and pricing trade-offs in the for-fee vs. free advising space.

Broad incumbents

• Verbraucherzentrale Bundesverband: Umbrella federation of Germany's state-funded consumer centers. Provides debt counseling as part of a broader consumer-protection mandate at no charge, with sustained client acquisition driven by official government backing and consumer-protection brand trust — the largest publicly funded alternative to private debt counseling firms like AdvoNeo.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/AdvoNeo
• Facebookfacebook.com/AdvoNeo
• Instagraminstagram.com/advoneo_schuldnerberatung
• Xx.com/advoneo
• LinkedInlinkedin.com/company/advoneo-schuldnerberatung

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 AdvoNeo Schuldnerberatung