ASIGNO

What ASIGNO does

ASIGNO SERVICIOS INTEGRALES DE RECUPERACIÓN DE CRÉDITO, S.L. is a Spanish private limited company founded in 1982 and headquartered at Paseo de la Castellana 23 in Madrid. The firm provides specialized legal and debt recovery services for financial institutions, investment funds, public institutions, insurance companies, electric utilities, and consumer and automotive finance entities. It operates exclusively in Spain through six offices (Madrid, Barcelona, Oviedo, Valladolid, Vigo, Sevilla) and deploys more than 300 lawyers and economists across the network.

The core service portfolio covers judicial and extrajudicial debt management, NPL portfolio purchasing and co-investment, legal advisory and defense, court representation (procuradores), and backoffice support. Underpinning the service delivery is a custom-built software platform for procedural and economic control, which provides real-time monitoring of extra-procedural and procedural actions to both internal teams and client-facing users. The company markets a 33% recovery rate across managed portfolios and references €14B+ of debt managed and 192,000+ cases defended.

The commercial model is a variable-cost, transaction-based fee structure designed to avoid client oversizing, and the firm is part of the Lener Grupo ecosystem alongside complementary legal, restructuring, corporate finance, and tax/labor/accounting subsidiaries (including TAX MASTER GESTIÓN). The company holds ISO 27001:2023 and ENS (Esquema Nacional de Seguridad) certifications, GDPR compliance, and a confidential internal reporting channel. No revenue, funding, or ownership disclosures are publicly available.

Name

ASIGNO

Legal name

ASIGNO SERVICIOS INTEGRALES DE RECUPERACIÓN DE CRÉDITO, S.L.

Website

https://asigno.es

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

51–100 employees

Short description

ASIGNO is a Spain-based legal and debt recovery firm founded in 1982, serving banks, investment funds, public institutions, and corporate clients across six regional offices via a 300+ lawyer and economist team.

Ownership category

akta.pro rank

Product category

Debt Recovery and Legal Services

NAICS

Collection Agencies (56144)

akta.pro industry

PRIMARYBPAAAEAB

Third-Party Debt Collection Agencies (Consumer & Commercial)

Business & Public Services/Administrative & Support Services (BPO, Call Centers, Back Office)/Collections, Recovery & Skip Tracing Services

SECONDARYFSAKAJAK

Bankruptcy, Insolvency & Restructuring Servicing (Consumer)

Financial & Insurance/Lending & Consumer Finance/Debt Collection, Recovery & Servicing

Keywords

• Debt recovery services
• Judicial debt management
• NPL portfolio advisory
• Extrajudicial debt collection
• Creditor legal services

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices6 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Debt recovery services (variable cost model): Services are provided at variable cost to the client, offering a solution to potential oversizing based on the client's needs. Combines judicial and extrajudicial debt management.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

ASIGNO is a Spanish legal services firm that manages and recovers debt on behalf of financial institutions, investment funds, public institutions and private companies through both judicial and extrajudicial channels. Its core offerings cover the full creditor-recovery lifecycle — debt management, NPL portfolio advisory and co-investment, legal advisory and defense, court representation (procuradores) and back-office support — supported by a proprietary real-time case-monitoring platform and a 300+ multidisciplinary team of lawyers and economists.

Product overview

ASIGNO offers a comprehensive suite of legal and debt management services organized as integrated modules. The core offerings include Gestión Judicial (judicial debt management) and Gestión Extrajudicial (out-of-court recovery), supported by Compra de Carteras (portfolio trading), Asesoramiento y Defensa (legal advisory), Procuradores (legal representation), and Backoffice services. The company combines these services with custom-built software for procedural and economic control, integrating human expertise with artificial intelligence to monitor extra-procedural and procedural activities in real-time. A subsidiary, TAX MASTER GESTIÓN, provides complementary tax, labor, and accounting services.

Differentiator

Problem solved

Functional benefit

Products and services

• Gestión Judicial (Judicial Debt Management) Court-led debt management and recovery services that combine legal expertise with AI-powered monitoring of procedural activities in real time. Designed for financial institutions, investment funds, public institutions and private companies with creditor claims requiring judicial enforcement.
• Gestión Extrajudicial (Out-of-court Debt Management) Out-of-court debt recovery and negotiation services operated alongside judicial management in a multidisciplinary approach. Targets the same enterprise client base and is delivered under a variable-cost model to avoid client oversizing.
• Compra de Carteras (NPL Portfolio Purchase and Sale Advisory) Advisory and execution service for the purchase and sale of non-performing loan portfolios, including identification of suitable portfolios for clients and co-investment by ASIGNO alongside the client in acquisitions. Aimed at investment funds and financial institutions acquiring NPL portfolios in Spain.
• Asesoramiento y Defensa (Legal Advisory and Defense) Legal advisory and defense services for institutions, financial entities and investment funds on creditor-side matters. Supports both standalone legal counsel and integrated engagements linked to debt recovery mandates.
• Procuradores (Court Representation) Legal representation services delivered through court-appointed agents (procuradores) handling procedural formalities on behalf of clients in judicial proceedings. Operates as a complementary offering to the firm's Gestión Judicial service.
• Backoffice (Operational and Administrative Support) Administrative and operational support services for legal and debt management processes, including documentation handling, case management and process administration supporting the firm's core recovery services.

Quantifiable outcome

• +33% recovery rate achieved across managed portfolios
• +2 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature1 record

Partnerships

One partnership is on record.

• Lener GrupocoreStrategic or Co-development PartnerASIGNO is part of Lener Grupo, a business group providing comprehensive legal and economic advisory services. Lener Grupo includes multiple specialized companies: LENER ASESORAMIENTO EMPRESARIAL, Lener Administraciones Concursales, Lener Corporate Finance, and Tax Master Gestión. ASIGNO operates as the debt recovery and legal services arm of the group, sharing resources, client relationships, and integrated service delivery across the group network.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Intrum: Europe's largest listed debt collection and credit management services provider, serving banks and funds with judicial and extrajudicial recovery across multiple geographies—a direct competitive benchmark for ASIGNO's core offering at much greater scale.
• EOS Group: International debt collection and receivables management group with operations across Europe, offering outsourced recovery services to banks, utilities, and retailers—directly comparable in service mix to ASIGNO.
• Hoist Finance: Specialist NPL portfolio purchaser and servicer focused on European banks and funds; overlaps directly with ASIGNO's Compra de Carteras and recovery services targeting Spanish investment funds.
• Atradius Collections: B2B-focused international debt collection arm of the Atradius group, serving corporates and financial institutions across Europe with similar judicial/extrajudicial recovery services to ASIGNO.
• Lowell Group: Pan-European credit management and NPL servicing group, combining portfolio purchase with outsourced collections—mirrors ASIGNO's integrated legal-and-recovery model at significantly larger scale.
• PRA Group: Global acquirer and servicer of non-performing loans, working with leading banks and credit issuers; competes for the same NPL portfolio mandates and institutional clients as ASIGNO.

Regional players

• Solunion: Spanish credit insurance and debt recovery joint venture operating in the Iberian market, overlapping with ASIGNO in serving Spanish corporates and financial institutions for receivables recovery.
• Iberinform: Spain-based B2B credit information, collections and debt recovery provider (part of Crédito y Caución/Atlas Group), competing for the same Spanish corporate and bank recovery mandates.

Broad incumbents

• Cesce: Spanish export credit agency and credit insurance group that offers receivables management and recovery services, overlapping with ASIGNO in public-sector and large corporate debt recovery.
• Coface: Global trade credit management group with a dedicated debt collection business line serving banks, insurers, and corporates across Iberia—an adjacent incumbent competitor in the Spanish recovery market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/asigno

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 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 ASIGNO