linexo.bywertgarantie

What linexo.bywertgarantie does

linexo by WERTGARANTIE is a German Dienstrad-Leasing (company bike/e-bike leasing) platform that operates as a commercial brand of WERTGARANTIE SE, headquartered in Hanover. The company enables employers to offer bicycles, e-bikes, and cargo bikes to employees as a tax-advantaged benefit through salary conversion, while also serving self-employed professionals, individual employees, and a nationwide network of Fachhändler (specialist bicycle dealers). Its core product is the linexo Leasing platform, supported by the Leasingportal web application for contract management and the BikeManager mobile app (iOS/Android) for end-user self-service, damage reporting, and theft claims. The offering bundles Leasing Komplettschutz Bike — comprehensive insurance covering theft, damage, and wear up to €15,000 per bike — as a standard feature of every lease.

The business generates revenue from three streams: recurring monthly leasing fees collected via employer salary conversion over typical 3–4 year contracts, insurance premiums bundled into those monthly payments, and transaction-based commissions paid to partner dealers on bikes leased through their stores. Distribution combines a direct B2B employer sales motion with a self-serve digital portal for employees, anchored by a physical Fachhändler network that handles bike delivery, service, and claims processing. Pricing is publicly disclosed and ranges from roughly €32 to €95 per month depending on bike value and tax parameters, with bike price points from €599 to €15,000.

The company was founded in 2017 originally under the name 'Radelnde Mitarbeiter' and was rebranded to linexo by WERTGARANTIE in 2025 to reflect a digital-first repositioning under the parent group's 25+ year heritage in bike insurance. It has accumulated 1M+ insured bikes, operates in Germany and Austria, and has been recognized with multiple industry awards (FOCUS 2026, Handelsblatt 2025, WirtschaftsWoche 2025, Bike & Co 2025, SAZ Händlerwahl 2025) plus TÜV Rheinland customer service certification. Revenue and funding data are not publicly disclosed, and the company is privately held within the WERTGARANTIE Group.

Name

linexo.bywertgarantie

Legal name

WERTGARANTIE SE

Website

https://leasing.linexo.de

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

501–1,000 employees

Short description

linexo by WERTGARANTIE is a German Dienstrad-Leasing platform that enables employers to offer tax-advantaged bikes and e-bikes to employees through salary conversion, bundled with insurance and serviced via a nationwide Fachhändler dealer network and digital leasing portal.

Ownership category

akta.pro rank

Product category

Company Bike Leasing (Dienstrad-Leasing)

NAICS

Automotive Equipment Rental and Leasing (5321)

SIC

Services-Auto Rental & Leasing (No Drivers) (7510)

akta.pro primary industry

Cargo Bikes & E-Cargo Bikes Rental/Leasing (TLABAGAB)

akta.pro secondary industries

Fleet Leasing (Closed-End & Open-End) (THADAKAB), Bike Service, Repair & Maintenance Shops (CRAMAHAH)

Keywords

• Company bike leasing
• Employee bicycle leasing
• Bike leasing platform
• Salary conversion mobility
• Bicycle insurance services

Headquarters

HQ city

Hanover

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Leasing Fees: Monthly leasing payments from employees (via salary conversion) and employers for company bikes. Revenue is recurring over the contract period, typically 3-4 years.
2. Insurance Premiums: Leasing Komplettschutz Bike insurance bundled with every lease, covering damage, theft, and wear. Insurance is included in the monthly lease payment.
3. Dealer Commissions: Commissions paid to authorized Fachhändler (dealers) for each bike leased through their store. Dealers also earn when they acquire new companies for linexo leasing.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

linexo offers Dienstrad-Leasing (company bike leasing) services that enable employers to provide bicycles, e-bikes, and cargo bikes to employees through salary conversion schemes. The offering bundles leasing contracts with integrated Leasing Komplettschutz Bike insurance covering theft, damage, and wear, and grants access to a nationwide network of specialist bicycle dealers. Contract management, damage reporting, and benefit calculations are handled through a digital leasing portal and a mobile application (BikeManager).

Product overview

linexo is a Dienstrad-Leasing (company bike/e-bike leasing) platform and brand under WERTGARANTIE, offering employer-sponsored bicycle leasing programs with integrated Komplettschutz insurance. The core product is the linexo Leasing platform, supported by the digital Leasingportal for contract management, the Komplettschutz Bike insurance add-on covering theft/damage up to 15,000 EUR, and a Germany-wide Fachhändler (specialist dealer) network for bike delivery and service. Supplementary services include damage reporting, theft reporting, a benefit calculator (Vorteilsrechner), dealer locator (Händlersuche), and a mobile app. Four customer segments are served: employers, employees, specialist dealers, and self-employed/freelancers.

Differentiator

Problem solved

Functional benefit

Products and services

• linexo Leasing (Dienstrad-Leasing) Company bike and e-bike leasing platform enabling employers to offer bicycles as an employee benefit through salary conversion schemes, with contract terms typically 3-4 years and bike prices ranging from EUR 599 to EUR 15,000.
• Leasing Komplettschutz Bike Comprehensive insurance protection covering theft, damage, wear, vandalism, and accidents on leased bikes, with coverage up to EUR 15,000 per bike, annual inspection up to EUR 100, and up to 2 replacement bikes per contract; bundled with every linexo leasing contract.

Quantifiable outcome

• Employees can save €927 to €2,067 compared to direct purchase, depending on bike value and tax class
• +1 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Bike & CocoreChannel Partner/ Reseller/ DistributorMajor bicycle dealer network partnership. linexo received the 'Dienstleister des Jahres 2025' (Service Provider of the Year) award from Bike & Co, indicating a strong strategic partnership for dealer channel distribution.
• e-motion eBike WeltcoreChannel Partner/ Reseller/ DistributorE-bike specialist retailer partnership. Testimonial from dealer: 'Wir arbeiten sehr gerne mit linexo als Leasingpartner zusammen, da wir gleiche Werte teilen: Fairness, Kundenzufriedenheit und Kommunikation auf Augenhöhe.' (We enjoy working with linexo as leasing partner as we share the same values).
• Küstenrad / my Boo GmbHcoreChannel Partner/ Reseller/ DistributorBicycle dealer partnership with testimonial: 'Unsere Entscheidung für eine Kooperation mit linexo Leasing basierte nicht nur auf dem attraktiven Provisionsmodell, sondern vor allem auf der verlässlichen und kompetenten Betreuung.' (Our decision was based on attractive commission model and reliable support).
• little john BIKESminorChannel Partner/ Reseller/ DistributorBicycle brand/retailer partnership with presence in dealer network showcase.
• WERTGARANTIE GroupcoreStrategic or Co-development PartnerParent company and brand umbrella. linexo is the new brand for company bike leasing from WERTGARANTIE, bringing 25+ years of bike insurance experience and Versicherungs-Expertise (insurance expertise) to the leasing business.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Others

• WERTGARANTIE Group: WERTGARANTIE is the parent insurance group providing the underwriting expertise, capital, and brand backing for linexo. While not a competitor, it shapes linexo's cost structure and product bundling through its 25+ year bike-insurance portfolio.

Direct peers

• Lease a Bike (Deutsche Leasing): Lease a Bike, run by Deutsche Leasing, is a direct competitor in the German Dienstrad-Leasing market. It serves the same employer-employee-dealer ecosystem with comparable salary-conversion mechanics and insurance bundling.
• Jobrad: Jobrad is the market-leading German Dienstrad-Leasing platform serving employers and employees through salary conversion. It is linexo's closest competitor, operating the same employer-benefit model with a competing dealer network and insurance bundling.
• BusinessBike: BusinessBike is one of the largest German Dienstrad-Leasing providers, competing head-to-head with linexo for employer framework contracts. It offers a comparable subscription-style leasing model with bundled insurance and dealer integration.
• Eurorad: Eurorad is an established German bike leasing specialist focused on employer-sponsored programs. It competes directly with linexo for corporate accounts and offers a similar Fachhändler-integrated service model.
• mein-dienstrad.de (DDD - Deutsche Dienstrad): Deutsche Dienstrad is a smaller but actively competing Dienstrad-Leasing provider in Germany, targeting the same employer and employee segments. It represents a comparable niche competitor in the salary-conversion bike leasing space.
• Bikeleasing.de (Bikeleasing Service GmbH): Bikeleasing.de is a major German company bike leasing platform, directly competing for employer-sponsored contracts via salary conversion. It serves the same customer segments (employers, employees, dealers) with a similar integrated offering.
• CompanyBike: CompanyBike is a German Dienstrad-Leasing provider serving corporate clients with employer-sponsored bike programs. It competes with linexo for the same B2B framework contracts and offers comparable digital onboarding and dealer integration.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xfacebook.com/linexo.bywertgarantie
• YouTubeyoutube.com/channel/UC35vHOXmSdiPjUCRHVjinxQ
• Facebookfacebook.com/linexo.bywertgarantie
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• Instagraminstagram.com/linexo.bywertgarantie

Revenue estimate

Valuation estimate

Number of profiles

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 linexo.bywertgarantie