What AGL Active Services does

AGL Active Services (AGL Activ Services GmbH) is a family-managed, bank- and manufacturer-independent B2B leasing company headquartered in Hanover, Germany, founded in 1990 by Edgar Wolf. The company provides three core financial products: Vertriebsleasing (sales financing embedded into manufacturers' and dealers' sales processes), Mietkauf (hire purchase with eventual ownership transfer), and Dienstrad-Leasing (company bike leasing through a long-running partnership with EURORAD Deutschland GmbH). AGL also underwrites municipal and public-sector leasing across multiple verticals (fire departments, healthcare, logistics, e-mobility, battery storage, combined heat and power, agriculture, and security technology), generating new business volume of approximately €300 million per year with over 90 employees as of current publications.

AGL's go-to-market combines a direct sales-led motion for manufacturers, dealers, and municipalities with a channel partner network of leasing brokers who originate deals through the proprietary eBox portal. The eBox portal is integrated with LeaseHub broker software via a fully automated real-time interface launched in 2024, reducing manual processing steps. The EURORAD partnership, established in 2012, anchors the Dienstrad-Leasing franchise and accounts for approximately 50,000 active contracts and the majority of new business volume. Distribution is exclusively domestic (Germany); the company operates as a private GmbH regulated by BaFin and is a member of the Bundesverband Deutscher Leasing-Unternehmen.

Technology is not a differentiator — AGL is a financial services business, not a technology product company. Its technology stack consists of vendor-delivered tools: a website chatbot (assono, IBM Watson) for routine customer inquiries, cookie consent management (CookieFirst), web analytics (Google), an applicant tracking system (HRworks), and the eBox/LeaseHub integrations. Revenue is generated through recurring monthly leasing rates on long-term contracts plus transaction-based hire-purchase installments. AGL has accumulated seven consecutive TOP SERVICE Deutschland awards (2018-2026), Great Place to Work certification, EcoZert/CrefoZert creditworthiness certifications, and an upgraded 'sehr gut' imug/EthiFinance ESG rating, reflecting sustained investment in service quality, employer brand, and sustainability positioning.

Name

AGL Active Services

Legal name

AGL Activ Services GmbH

Website

https://agl.de

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Hanover

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Leasing: AGL provides leasing services for B2B investment goods including sales financing (Vertriebsleasing), municipal leasing, bike leasing (Dienstrad-Leasing), and specialized sector leasing. Revenue is generated through monthly leasing rates over contract terms. AGL acts as lessor, retaining ownership of leased assets during contract period.
2. Mietkauf (Hire Purchase): Mietkauf combines predictable installment payments with eventual ownership transfer. AGL structures these agreements for customers who want flexibility with a clear ownership path. Revenue generated through installment payments.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

AGL Active Services is a family-managed B2B leasing company providing financing solutions for investment goods. Its core offerings include Vertriebsleasing (sales financing integrated into vendors' sales processes), Mietkauf (hire purchase with ownership transfer), and Dienstrad-Leasing (company bike leasing through the EURORAD partnership). The company finances equipment across multiple verticals including municipal fleets, fire departments, logistics vehicles, e-mobility, battery storage, security systems, healthcare, and agricultural machinery.

Product overview

AGL Activ Services GmbH is a family-owned, bank- and manufacturer-independent B2B leasing company headquartered in Hanover, Germany, operating since 1990. Its core offering is a structured portfolio of B2B leasing and financing solutions anchored by three main financial products: Vertriebsleasing (sales financing integrated into vendors' sales processes), Mietkauf (hire purchase with ownership transfer), and Dienstrad-Leasing (company bike leasing via the EURORAD platform). The company operates digital platforms including the eBox broker portal and integrates with LeaseHub for automated request processing. AGL's leasing solutions span multiple industry verticals including E-Mobilität, Batteriespeicher, BHKW, Logistik, Kommunalleasing/Feuerwehr-Leasing, Pflege, Landwirtschaft, and Sicherheitstechnik. The company also embeds a chatbot (Lisa, powered by IBM Watson) as a customer service feature on its website.

Differentiator

Problem solved

Functional benefit

Products and services

• Vertriebsleasing Sales financing that enables manufacturers, dealers, and vendors to integrate leasing directly into their sales process, making investment goods more affordable and increasing sales conversion. AGL pays the full purchase price to the vendor immediately on contract signing; the customer pays in monthly installments.
• Mietkauf Hire purchase combining predictable installment payments with eventual ownership transfer. Suited for businesses wanting flexibility with a clear ownership path while managing cash flow.
• Dienstrad-Leasing Company bike leasing program delivered in partnership with EURORAD Deutschland GmbH, enabling employers to offer employees bicycles and e-bikes through salary conversion with AGL providing the financing and contract.
• Kommunalleasing Municipal and public-sector leasing for cities, municipalities, and government entities, covering vehicles, construction equipment, IT infrastructure, energy systems, and specialized equipment for public institutions.
• Feuerwehr-Leasing Specialized leasing for fire departments covering fire engines, specialized vehicles, firefighting technology, communication equipment, and rescue gear for municipalities and public fire protection organizations.
• E-Mobilität Leasing Financing solutions for electric vehicles and charging infrastructure, supporting dealers and manufacturers in selling e-mobility products through leasing, including combination with subsidy programs for complete mobility solutions.
• Batteriespeicher Leasing Leasing solutions for battery storage systems used as short-term buffer storage, emergency power, or stationary storage applications.
• Blockheizkraftwerke (BHKW) Leasing Leasing for combined heat and power (CHP) units supporting sustainable energy management for businesses.
• Logistik Leasing Financing for forklifts, materials handling vehicles, and logistics equipment with sale-and-lease-back options for existing fleets, starting from €2,000 acquisition value.
• Pflege & Gesundheitswesen Leasing Leasing for care homes, nursing services, medical equipment, home emergency call systems, and assistive technologies for the German healthcare and eldercare sector.
• Landwirtschaft Leasing Leasing solutions for agricultural machinery, robotics, digital farming equipment, and sustainable agriculture technologies supporting modernization of farming operations.
• Sicherheitstechnik Leasing Leasing for security systems, alarm systems, surveillance technology, and integrated security packages enabling vendors to offer bundled security solutions with financing.

Quantifiable outcome

• Over 50% of new business volume from sustainable mobility solutions (especially bike leasing)
• +3 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Partnerships

13 partnerships are on record, tiered core and minor.

• EURORAD Deutschland GmbHcoreChannel Partner/ Reseller/ DistributorAGL and EURORAD have partnered since 2012 to offer Dienstrad-Leasing (company bike leasing) solutions to employers. EURORAD handles the employer-facing process, employee administration, and digital platform for bike leasing. AGL provides the financing and contract for employers. The joint solution is multi-award-winning and covers the full employer bike leasing process from ordering to insurance. Approximately 50,000 active contracts generated by end of 2019.
• LeaseHubcoreTechnology or IntegrationLeaseHub is a leading broker software platform. AGL has integrated a fully automated interface between LeaseHub and its eBox portal, enabling brokers using LeaseHub to submit leasing applications directly and automatically into AGL's system. This reduces manual steps, speeds up processing, and improves transparency for all parties.
• Almas AGminorStrategic or Co-development PartnerAlmas AG (security technology provider, Mannheim) uses AGL's leasing solutions to make their security systems more accessible to B2B customers. Almas AG CEO Hervé Mangonaux has publicly praised the partnership for providing competitive advantage through flexible contract design and tailored solutions.
• Dr. Bittner Consulting GmbH & Co. KGminorImplementation/ SI/ Consulting PartnerDr. Bittner Consulting serves as AGL's external data protection officer (Datenschutzbeauftragter) and also operates AGL's whistleblower hotline system. The firm receives and anonymizes whistleblower reports before forwarding them to AGL. Located in Hannover.
• Bundesverband Deutscher Leasing-Unternehmen e.V. (BDL)minorOthersAGL is a member of the BDL (German Leasing Association), which represents ~150 member companies covering 85% of the German leasing market. Membership is mandatory for BaFin-supervised leasing companies and provides industry representation.
• Bundesverband Zukunft Fahrrad (BVZF)minorOthersAGL is a founding member of the BVZF, which advocates for cycling and bike leasing policy in Germany. The association promotes sustainable mobility and represents the interests of bike leasing companies.
• B.A.U.M. e.V.minorOthersB.A.U.M. (Bundesdeutscher Arbeitskreis für umweltbewusstes Management) is a sustainability network with ~800 member companies. AGL is a member, gaining access to sustainability best practices, networking, and initiatives such as 'Wirtschaft pro Klima' and SDG-Scouts.
• Sozialwerk Vinnhorst e.V.minorOthersNon-profit association providing learning support for disadvantaged children and youth in Hannover since 2009, and senior care for 45+ years. AGL supports the organization with donations for its tutoring programs.
• Kinderhospiz Löwenherz e.V.minorOthersChildren's and youth hospice in Syke near Bremen providing care and support for families with children suffering life-limiting illnesses. AGL has donated to support the organization's work.
• Stiftung Ein ZuhauseminorOthersHannover-based foundation creating housing for homeless people. AGL has donated to support the construction of housing units for homeless individuals and families.
• Malteser HannoverminorOthersMalteser Hannover runs a cultural bike-rickshaw program ('KulTour') for elderly people with limited social contacts. AGL donated two e-assisted bike-rickshaws to support the initiative.
• AckerpatenminorOthersAckerpaten enables companies to become sponsors of farmland and bloom meadows for CO2 binding and biodiversity promotion. AGL participates as an 'Ackerpate' (field sponsor) supporting a 2-hectare multi-year bloom meadow.
• Samten Dargye Ling e.V. (Homeless Care Projekt)minorOthersAssociation running a homeless care project supporting homeless people in the region. AGL donated an e-cargo bike with trailer to enable flexible outreach services.

Scale indicators5 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Grenke AG: Listed German SME leasing company headquartered in Baden-Baden. Directly comparable as a bank-independent B2B leasing specialist focused on investment goods for SMEs and smaller mid-market — overlapping product categories (IT, equipment, machinery) and similar broker/partner distribution model.
• SG Equipment Finance (Germany): German subsidiary of Société Générale's equipment finance division. Directly comparable B2B equipment lessor serving vendors and end-customers in similar verticals (industrial equipment, technology, healthcare). Bank-affiliated competitor with deeper funding base.
• Deutsche Leasing: One of the largest bank-affiliated leasing companies in Germany, owned by Sparkassen-Finanzgruppe. Direct competitor in B2B equipment, vehicle, and municipal leasing with overlapping industry verticals (logistics, healthcare, agriculture, energy). Larger scale but similar product positioning.
• DLL (De Lage Landen): Global vendor finance specialist owned by Rabobank, with strong German presence. Directly comparable business model: equipment leasing for vendors across multiple verticals including agriculture, food, healthcare, and clean energy — overlapping both product offering and target customer (vendors integrating financing into sales).
• TARGO Commercial Finance: German commercial finance provider offering leasing and asset-based lending to SMEs and mid-market. Comparable in target customer (German SMEs purchasing investment goods) and product mix, though with broader product portfolio including factoring and credit lines.

Broad incumbents

• Daimler Truck Financial Services: Captive finance arm of Daimler Truck, providing leasing for commercial vehicles, trucks, and logistics equipment. Directly comparable in logistics and fleet vehicle leasing verticals — competes for the same vendors and end customers, with structural advantages of captive manufacturer relationships.
• BNP Paribas Leasing Solutions: European leader in equipment and vendor finance, with strong German operations. Overlaps with AGL across multiple industry verticals and serves vendors integrating financing into sales — but operates as part of a much larger diversified financial services platform.
• Volkswagen Financial Services: Captive finance arm of Volkswagen Group, dominant in German vehicle and fleet leasing. Overlaps with AGL in fleet/vehicle leasing (municipal vehicles, e-mobility) but with structural advantages of exclusive dealer relationships and captive manufacturer backing.
• Siemens Financial Services: Captive financing arm of Siemens, providing equipment leasing across industrial, energy, and healthcare verticals. Overlapping asset categories (industrial equipment, energy systems, medical technology) but tied to Siemens product ecosystem rather than vendor-neutral.

Regional players

• ALD Automotive / LeasePlan: Combined global fleet management and vehicle leasing leader (ALD Automotive, post-LeasePlan merger). Pan-European footprint with focus on corporate fleet leasing. Comparable in fleet/vehicle leasing and e-mobility but operates at much larger scale and with broader geographic reach than AGL's domestic-only focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/aglactivservices

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 AGL Active Services