Rovea

What Rovea does

Rovea Soluções em Recuperação de Crédito is a São Paulo-based private B2B services firm specializing in commercial credit recovery and amicable debt collection for Brazilian companies. Founded in 2013 by Dr. Marcos Daniel Rovea, the firm operates a four-pillar service platform covering Cobrança (debt collection with a friendly negotiation approach), Jurídico (in-house legal collection), Relacionamento (creditor-debtor relationship management), and Consultoria (financial and legal consulting on receivables and negative listings). The company explicitly serves companies across the Brazilian national territory, with stated focus areas spanning broad B2B clients, mid-market firms with R$5-300 million in annual revenue and significant open portfolios, and B2B startups in innovation ecosystems dependent on payment predictability.

Underlying the service is a real-time client monitoring dashboard that provides visibility into open cases, resolved cases, and recovered amounts, alongside intelligent communication tools developed over more than a decade of market experience. The technology layer is operational rather than AI-driven: it enables transparency and process management rather than predictive analytics or automated decisioning. Internal capabilities include a PNL-trained negotiation team and an in-house legal department, allowing the firm to move cases from amicable negotiation through judicial collection without outsourcing.

Rovea's business model is built on success-based commission: no upfront fees, no monthly retainer, and payment contingent on positive outcomes recovered from the client's delinquent portfolio. Go-to-market is sales-led and direct, with WhatsApp as the primary contact channel (two dedicated numbers, one for client acquisition and one for debtor negotiation), supplemented by website forms and SEO-driven content marketing through an active blog. The company is privately held with no disclosed funding, no disclosed revenue, no public ticker, and a stated headcount in the 11-50 range.

Name

Rovea

Legal name

Rovea Soluções em Recuperação de Crédito

Website

https://rovea.com.br

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Rovea is a São Paulo-based private B2B services firm that recovers commercial delinquent credits for Brazilian companies using amicable negotiation, supported by an in-house legal team, consulting, and a real-time client monitoring dashboard on a success-based commission model.

Ownership category

akta.pro rank

Product category

Credit Recovery Services

NAICS

Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB)

akta.pro secondary industries

Legal Collections Support (Pre-Lit, Litigation Admin, Judgment Recovery) (BPAAAEAH), Debt Settlement / Negotiation Programs (Non-loan) (FSAKAIAK)

Keywords

• Credit recovery services
• B2B debt collection
• Amicable negotiation
• Accounts receivable management
• Judicial collection

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Credit Recovery Commission: Commission-based compensation on successful debt recovery. Rovea charges no upfront fees, monthly fees, or fixed costs. Payment is contingent on positive outcomes achieved in the client's delinquent portfolio.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Rovea Soluções specializes in B2B credit recovery and debt collection, recovering outstanding receivables from delinquent commercial clients through amicable negotiation. The service is complemented by an in-house legal department for cases requiring judicial action, relationship management to preserve commercial partnerships, and financial/legal consulting. Clients receive access to a proprietary real-time dashboard to monitor open cases, resolved cases, and recovered amounts, with payment only upon successful recovery on a commission basis.

Product overview

Rovea Soluções operates as a unified credit recovery platform offering four integrated services: Cobrança (core debt collection), Jurídico (in-house legal), Relacionamento (relationship management), and Consultoria (financial and legal consulting). The company combines friendly negotiation with legal action capabilities, using intelligent tools and real-time dashboards to provide comprehensive B2B credit recovery solutions across Brazil.

Differentiator

Problem solved

Functional benefit

Products and services

• Cobrança (Credit Recovery / Debt Collection) Specialized B2B credit recovery and debt collection service offering amicable negotiation of delinquent client portfolios, focused on preserving commercial relationships while recovering outstanding values.
• Jurídico (In-House Legal Services) In-house legal department providing legal analysis, case viability assessment, and filing of legal actions when amicable negotiations are exhausted, enabling complete recovery service from friendly to judicial collection.
• Consultoria (Financial and Legal Consulting) Financial consulting covering accounts receivable management, collection rules, and negative listings, plus legal consulting providing diagnostics and recommendations for debt recovery optimization.
• Relacionamento (Relationship Management) Post-sale relationship management service that analyzes client profiles, manages communication between creditor and debtor, and develops solutions for credit recovery while maintaining commercial partnerships.

Quantifiable outcome

• Dashboard access for clients to monitor open cases, resolved cases, and recovered amounts in real-time
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators3 records

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• Boa Vista SCPC: Major Brazilian credit bureau and business information provider with collections-related offerings. Comparable as a broad Brazilian incumbent serving creditors, though Rovea specializes narrowly in recovery while Boa Vista spans data and analytics.
• PRA Group: US-listed global acquirer and manager of nonperforming loans with extensive debt collection operations. Comparable as a broad incumbent in debt recovery, though PRA Group's business model centers on debt purchasing at scale rather than Rovea's contingency collection agency model.
• EOS Group: European-headquartered financial services group with global debt collection and receivables management operations. Comparable as a large international collection agency, though EOS primarily serves European markets and operates at much greater scale than Rovea.
• Intrum: Global credit management and debt collection firm with operations across Europe and Latin America. Comparable as a broad incumbent in third-party debt collection, though Intrum operates at vastly larger scale than Rovea and spans many geographies.
• Serasa Experian: Brazil's largest credit bureau with adjacent debt collection and recovery solutions for creditors. Comparable because it competes for the same creditor wallet in Brazil, but with a much broader portfolio spanning data, analytics, and identity services.

Emerging players

• Mereo: Brazilian fintech providing receivables management and credit recovery solutions for businesses. Comparable as a domestic receivables-recovery peer with technology-enabled workflows, though Mereo emphasizes working capital/factoring alongside recovery.
• Acordo Certo: Brazilian online debt negotiation platform. Comparable in the sense that it operates in Brazilian debt recovery, but it focuses on consumer/retail debtor self-service flows rather than Rovea's B2B creditor-focused, relationship-preserving model.
• QuitaCred: Brazilian debt negotiation platform focused on amicable settlements between creditors and debtors. Comparable to Rovea's amicable-negotiation positioning, though QuitaCred leans more heavily into consumer/B2C channels and digital self-service flows.

Direct peers

• Recovery Brasil: Brazilian debt collection and credit recovery agency operating nationally with both amicable and judicial collection capabilities. Directly comparable to Rovea in terms of service mix, customer base (B2B creditors), and Brazilian geographic focus.
• Ativos S.A. Brazilian financial services firm specializing in debt purchase, credit recovery, and asset management. Comparable as a domestic third-party recovery provider with both amicable and judicial recovery operations serving B2B and B2C creditors.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/solucoesrovea

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 Rovea