Onval

What Onval does

Onval AG is a Germany-headquartered real estate valuation firm operating as an Aktiengesellschaft out of Erfurt, with additional offices in Berlin and Vienna that extend service coverage into Austria. The company produces property valuations for banks and financial institutions, delivering both simplified appraisals under §24 BelWertV and formal mortgage-lending-value valuations under §5 BelWertV. Its client roster spans large national banks, regional savings banks (Sparkassen), cooperative banks (Volksbanken), building societies (Bausparkassen), and mortgage banks (Pfandbriefbanken), positioning Onval within the regulated German and Austrian mortgage-credit value chain.

The firm runs an interdisciplinary model that combines in-house qualified appraisers and valuation specialists with a curated partner network of independent appraisers, and draws on the data and IT capabilities of its parent group, NT Neue Technologie AG (NT.AG). On-site inspections are executed through a partnership with Instant Service AG, while corporate web presence is delivered via Kallinich Media GmbH. Operations are explicitly framed as a balance between professional appraisal expertise and technology-enabled process efficiency, though no proprietary AI or automation product is disclosed.

Onval's business model is B2B professional services revenue, paid by regulated lenders for valuation mandates tied to mortgage origination, refinancing, and regulatory reporting under KWG, MaRisk, and EBA frameworks. The firm is privately held, employs between 11 and 50 people, and is led by a two-person Vorstand (Matthias Markgraf and Hannes Wohlmuth). No public revenue, funding, or transaction-volume figures are disclosed.

Name

Onval

Legal name

onval AG

Website

https://onval.de

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Onval AG is a German-Austrian real estate valuation firm delivering BelWertV-compliant §24 and §5 property appraisals to national banks, Sparkassen, Volksbanken, Bausparkassen, and Pfandbriefbanken.

Ownership category

akta.pro rank

Product category

Real Estate Valuation Services

NAICS

Offices of Real Estate Appraisers (53132), Offices of Real Estate Appraisers (531320)

SIC

Mortgage Bankers & Loan Correspondents (6162), Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Real Estate Valuation & Appraisal (BPAHANAC)

akta.pro secondary industries

Property Valuation: Appraisal Management (AMC) & Appraiser Networks (FSALALAI), Real Estate Valuation & Appraisal Advisory (FSAEAJAI)

Keywords

• Real estate valuation
• Property appraisals
• Mortgage collateral valuation
• Banking valuation services
• Automated property valuation

Headquarters

HQ city

Erfurt

HQ country

Germany

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Property Valuation Services: Onval provides professional valuation services to banks and financial institutions, serving as an alternative to internal resources or as a supplement to existing appraisal teams. Services include both individual assignments and portfolio valuations for properties outside clients' market areas.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels2 records

Core offering

Onval provides real estate valuation services to German financial institutions including large national banks, regional savings banks (Sparkassen), cooperative banks (Volksbanken), building societies (Bausparkassen), and mortgage banks (Hypothekenbanken). The offering covers §24 BelWertV simplified valuations, §5 BelWertV formal appraisals, and portfolio valuations. Services can be delivered via classic on-site visits, remote valuation, or fully automated AI valuation using Onval's proprietary engine.

Product overview

Onval offers a comprehensive property valuation platform with two primary service offerings: simplified valuation (§24 BelWertV) and formal appraisals (§5 BelWertV). The company provides both individual property assessments and portfolio valuations for financial institutions including banks, savings banks, and mortgage banks. The platform serves the residential sector (apartments, single/multi-family homes) as well as complex commercial properties. Onval positions itself as an alternative or supplement to clients' internal appraisal resources, handling contract management, regulatory compliance, and property inspections through its partner network.

Differentiator

Problem solved

Functional benefit

Products and services

• §24 BelWertV Simplified Valuations

Quantifiable outcome

• Covers all property types from apartments and single-family homes to multi-family houses and complex commercial properties

Named customers5 records

Segments1 record

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Two partnerships are on record, tiered core.

• NT Neue Technologie AGcoreStrategic or Co-development PartnerParent company of the NT.AG group. Onval AG is part of NT.AG group. NT Neue Technologie AG provides technology development support and infrastructure. Located at Peterstraße 1, Erfurt.
• Instant Service AGcoreTechnology or IntegrationInspection partner for property viewings. Instant Service AG conducts property inspections on behalf of Onval as part of the valuation process.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• BNP Paribas Real Estate: European real estate services provider with German valuation coverage for lenders and investors. Comparable customer overlap but anchored in a bank-affiliated broader advisory platform.
• Colliers International – Valuation: Global real estate advisory with a German valuation practice serving lenders and institutional clients. Comparable in commercial valuation use cases but operates at a much wider service-line scope than Onval.
• JLL (Jones Lang LaSalle) – Valuation Advisory: Global real estate services firm with a German valuation & advisory practice serving banks and institutional investors. Overlaps in commercial and complex-property valuation but competes from a broader, international platform rather than a banking-outsourcing niche.
• CBRE – Valuation: Global real estate services incumbent with significant German valuation activity for lenders and investors. Comparable in complex-property work but anchored in a much broader advisory, capital-markets and property-management portfolio.
• Cushman & Wakefield – Valuation: International real estate services firm with a German valuation practice serving banks and corporate occupiers. Comparable in commercial valuation but competes from a global full-service platform.

Direct peers

• Value AG: Major German property valuer (formerly HypZert/Hollerith-aligned) providing bank-grade property valuations and appraisal management services; directly comparable to Onval's §24/§5 BelWertV offering.
• bulwiengesa AG: German real estate research, consulting and valuation firm serving financial institutions and institutional investors — comparable target customers and use cases even if methodology mix differs.
• Sprengnetter Real Estate Services GmbH: Largest independent German real estate valuation company serving banks, Sparkassen and mortgage lenders with both standardized and formal appraisal products — the closest functional peer to Onval across product scope and customer base.
• IDI Immobiliendienste GmbH: German appraisal and real estate services provider working with Sparkassen, Volksbanken and mortgage lenders; a like-for-like competitor in the BelWertV-driven banking valuation market.

Others

• HypZert GmbH: German certification body for real estate appraisers whose standards underpin qualified-appraiser status. Ecosystem participant rather than direct competitor, but its qualifications framework governs Onval's partner-recruitment motion.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/onval-gmbh

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Onval