Eko sklad

What Eko sklad does

Eko sklad, Slovenski okoljski javni sklad (the Slovenian Environmental Public Fund), is a state-owned public financial institution established by the Republic of Slovenia to disburse environmental subsidies and favorable loans for energy efficiency, renewable energy, sustainable mobility, water management, and waste/circular-economy investments. Its legal form is a javni sklad (public fund), and it is 100% owned by the Slovenian government with no external shareholders. The fund serves four explicitly defined customer segments — individuals (prebivalstvo), businesses (gospodarstvo, including sole proprietors, cooperatives, and other legal entities), local communities/municipalities (lokalne skupnosti), and NGOs (NVO) — across the entire national territory of Slovenia.

Its product portfolio is built around two core financial instruments: non-refundable subsidies (nepovratna sredstva / subvencije) and below-market interest rate loans (ugodni krediti), delivered through more than 100 distinct program lines covering building insulation, heat pumps, solar PV and solar thermal, biomass boilers, district heating connections, ventilation with heat recovery, electric vehicles and chargers, rainwater harvesting, household composting, and a dedicated energy-poverty program (ZER). On average, subsidies cover 30% of investment value and approximately 90% of submitted projects receive financial support, with a single recent call (114SUB-OB24) attracting 30,053 applications. The free ENSVET energy advisory network provides independent pre-application guidance, and membership in the Bank of Slovenia's SISBON and SISBIZ credit-information systems enables institutional-grade borrower assessment.

The business model is a direct-to-consumer subsidy distribution: the Republic of Slovenia allocates capital to the fund, which then channels it to applicants through multi-channel intake (online portal, email, postal mail, in-person at the Ljubljana HQ at Bleiweisova cesta 30). Because Eko sklad does not sell commercial products or charge market-rate fees, revenue and pricing are not commercially disclosed; the only public financial anchor is a balance-sheet total of €285,452,853 as of 31 December 2016. Strategically, the fund is broadening its product surface (notably a June 2026 interest-free loan plus subsidy combination for multi-apartment building renovation), elevating subsidy levels in high-demand categories (heat pumps, insulation, windows), and embedding its incentives into Slovenia's digital/green tax-relief framework.

Name

Eko sklad

Legal name

Eko sklad, Slovenski okoljski javni sklad

Website

https://ekosklad.si

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

11–50 employees

Short description

Eko sklad (Slovenski okoljski javni sklad) is Slovenia's state-owned public fund that provides non-refundable subsidies and favorable loans to individuals, businesses, municipalities, and NGOs for energy efficiency, renewable energy, and environmental investments.

Ownership category

akta.pro rank

Product category

Public Environmental Finance

NAICS

Finance and Insurance (52)

SIC

Electric Services (4911)

akta.pro primary industry

Energy, Utilities & Sustainability Management (BPABAAAF)

Keywords

• Environmental finance
• Government subsidies
• Favorable green loans
• Energy efficiency funding
• Renewable energy grants

Headquarters

HQ city

Ljubljana

HQ country

Slovenia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Government-funded subsidies (nepovratna sredstva): Non-repayable financial incentives funded by the Republic of Slovenia, provided to individuals, businesses, and local communities for environmental investments in energy efficiency and renewable energy projects.
2. Favorable loans (ugodni krediti): Low-interest loans provided to support environmental investments. The fund extends credit to borrowers who meet eligibility criteria, with loan repayment creating a recurring revenue stream.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Eko sklad is a specialized public financial institution that provides government-backed non-refundable subsidies (subvencije) and favorable low-interest loans (ugodni krediti) to individuals, businesses, municipalities, and NGOs in Slovenia for environmental investments. Its portfolio covers building energy renovation, heat pumps, solar power systems, electric vehicles, water management, waste/circular economy, and biomass heating, supplemented by free energy advisory services through the ENSVET network.

Product overview

Eko sklad is a specialized public financial institution for promoting environmental protection in the Republic of Slovenia. The organization offers a unified portfolio of financial products centered around subsidies (subvencije) and favorable loans (ugodni krediti) for environmental investments. These financial instruments support individuals, businesses, and local communities in implementing energy efficiency improvements, renewable energy systems, sustainable mobility, water management, and waste reduction projects. The core offerings include non-refundable subsidies and low-interest loans, supplemented by free energy advisory services through the ENSVET network. The product portfolio encompasses over 100 distinct subsidy and loan programs covering building energy renovations (insulation, windows, heat pumps), solar energy systems, electric vehicles and charging infrastructure, water management solutions, and circular economy initiatives. The company does not offer software products, APIs, or technology platforms—its offerings are exclusively financial incentives designed to stimulate environmental investments.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 30% of investment value covered on average by subsidies
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• Bank of Slovenia - SISBON SystemcoreTechnology or IntegrationEko sklad as a member of the SISBON system can verify creditworthiness and business conduct of individuals involved in credit agreements before approving loans. This includes sole proprietors, guarantors, beneficial owners of companies, and related family members.
• Bank of Slovenia - SISBIZ SystemcoreTechnology or IntegrationEko sklad became a member of the SISBIZ system on June 22, 2022. The system enables verification of business entity indebtedness and related company data for creditworthiness assessment before loan approval.
• ENSVET Network (Energy Advisory Network)coreStrategic or Co-development PartnerThe ENSVET network provides free, professional, and independent energy advisory services to citizens. The network offers guidance on reducing energy consumption, lowering costs, and improving living quality. ENSVET offices operate across Slovenia providing on-site consultations.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• European Investment Bank (EIB): EU-level public bank providing large-scale financing for energy efficiency, renewables, and environmental projects across member states, including co-financing structures that indirectly support national funds like Eko sklad.
• European Bank for Reconstruction and Development (EBRD): Multilateral development bank that finances environmental and energy projects across CEE, often partnering with national funds like Eko sklad to deliver green financing in Slovenia and similar markets.
• KfW Group: Germany's state-owned development bank, a broader incumbent offering environmental and energy-efficiency financing programs. Operates at much larger scale across multiple sectors but shares the state-backed public finance institution model.

Direct peers

• Administrația Fondului pentru Mediu (Romanian Environmental Fund Administration): Romania's state-owned environmental fund offering subsidies and incentive programs for energy efficiency, renewable energy, EVs, and waste management. Closely mirrors Eko sklad's mandate of disbursing public funds for environmental investment.
• Hungarian Energy and Climate Policy Agency / MEKH: Hungarian state energy regulator and policy-administration body that channels government energy efficiency and renewable subsidies. Overlaps in function and target beneficiaries, with similar government-backed financing mandate.
• Narodowy Fundusz Ochrony Środowiska i Gospodarki Wodnej (NFOSiGW, Poland): Poland's national environmental protection and water management fund, the largest CEE counterpart. Provides subsidies, loans, and co-financing for environmental investments, paralleling Eko sklad's structure and product set.
• FZOEU (Croatian Environmental Protection and Energy Efficiency Fund): Croatian public fund providing subsidies, grants, and favorable loans for environmental and energy efficiency investments across households, businesses, and municipalities — a directly comparable national environmental finance institution.
• Slovak Environmental Fund / Slovenský environmentálny fond: Slovakia's sister state-owned environmental fund offering subsidies and loans for energy efficiency, renewables, and waste projects — closely comparable mandate, customer types, and product structure.
• Státní fond životního prostředí ČR (Czech Environmental Fund): Czech Republic's national state-owned environmental fund, the structural CEE counterpart of Eko sklad. Provides subsidies and favorable loans for energy efficiency, renewable energy, and environmental projects, serving the same customer segments (citizens, businesses, municipalities).

Others

• Slovenian Sovereign Holding (SDH): Slovenia's central state-owned asset management vehicle. Not a direct competitor but operates as a related state-owned financial entity under common governmental ownership, providing ecosystem context for Eko sklad's role.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/ekosklad
• YouTubeekosklad.si/informacije/informacije-javnega-znacaja
• Facebookfacebook.com/Ekosklad.j.s
• LinkedInlinkedin.com/company/ekosklad-slovenski-okoljski-javni-sklad
• Instagraminstagram.com/eko_sklad

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 Eko sklad