Ação Vertical

What Ação Vertical does

Ação Vertical operates commercially as ACEMPRE – Soluções de Informações Financeiras and provides subscription-based credit information services to small and medium businesses and to external sales professionals such as street vendors and fair vendors in Brazil. Its core offerings are Consulta Serasa (Serasa credit bureau consultations starting at three monthly lookups), Recuperação de Crédito (debt recovery support), Análise de Crédito (credit analysis for business stability), Notificação Extrajudicial (formal notification to delinquent clients), and a bundled Guia de Benefícios that combines these services.

The technology footprint is minimal: the firm has no disclosed core technology stack, no mobile app, no public API, no AI or machine learning capabilities, and no proprietary features beyond a WhatsApp-based consultation channel and a personalized web system interface for account management. Distribution is regional and concentrated in Southeast Brazil, with the headquarters located at Rua Doutor Julio Prestes, 688, Centro, Itapetininga/SP. Go-to-market is inside sales-led, with WhatsApp, phone and email as the primary contact channels and operations running Monday through Friday, 9AM to 6PM business hours.

The business model is recurring subscription revenue from low-priced plans, with no publicly disclosed pricing and no intermediaries between the firm and end customers. The firm is privately held, has no disclosed funding rounds, no parent company, and no subsidiaries, and operates with a six-person team. No named enterprise customers, awards, certifications, patents, or partnerships are documented in the input.

Name

Ação Vertical

Legal name

ACEMPRE

Website

https://acaovertical.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Ação Vertical (ACEMPRE) is a Brazil-based, privately held financial information provider offering subscription credit-bureau consultations, debt recovery, credit analysis, and extrajudicial notifications to small and medium businesses and to external mobile sellers, delivered primarily through WhatsApp from its Itapetininga, São Paulo headquarters.

Ownership category

akta.pro rank

Product category

Credit Information Services

NAICS

Activities Related to Credit Intermediation (5223), Credit Bureaus (56145)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Financial Hardship & Forbearance Assistance (FSAEAFAJ)

akta.pro secondary industry

Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH)

Keywords

• Credit information services
• Credit risk analysis
• Debt recovery services
• Serasa credit consultation
• Business credit reports

Headquarters

HQ city

Itapetininga

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Credit Information Services: Subscription-based credit information services providing Serasa consultations, credit recovery solutions, and credit analysis for businesses. Plans starting from 3 monthly consultations.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Ação Vertical (ACEMPRE) provides credit information and financial management services to small and medium businesses and external sales professionals in Brazil. Core offerings include Serasa credit bureau consultations, credit recovery (debt recovery) solutions, credit analysis, and extrajudicial notification services for delinquent clients. Services are delivered via WhatsApp for mobile sellers and through a personalized system interface for account-based clients, under subscription plans starting from 3 monthly consultations.

Product overview

ACEMPRE – Soluções de Informações Financeiras is a financial information solutions provider offering a unified suite of services centered around credit management. The core offerings include Consulta Serasa (credit bureau consultations), Recuperação de Crédito (debt recovery), and Análise de Crédito (credit analysis), complemented by Notificação Extrajudicial (formal notification services) and the Guia de Benefícios (benefits guide) for financial health monitoring. Services are accessible via WhatsApp for external sellers and through a personalized system interface.

Differentiator

Problem solved

Functional benefit

Products and services

• Consulta Serasa Serasa credit bureau consultation service providing relevant credit information to businesses at the point of closing deals, with plans starting from 3 monthly consultations. Aimed at reducing default risk (inadimplência) for SMBs and external sales professionals.
• Recuperação de Crédito Credit recovery solution for managing and recovering outstanding debts from defaulting clients, described as a comprehensive market solution for businesses seeking to recover overdue payments.
• Análise de Crédito Credit analysis service focused on company stability and success through attentive financial management, providing businesses with assessments of creditworthiness for decision-making.
• Notificação Extrajudicial Extrajudicial notification service that formally informs defaulting clients in a precautionary manner, enabling businesses to officially notify delinquent customers of outstanding debts.
• Guia de Benefícios Benefits guide providing financial health control for short, medium, and long-term objectives through WhatsApp consultation and personalized system access, helping businesses manage financial wellbeing.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves1 record

Expansion highlights3 records

Direct peers

• Acordo Certo: Brazilian online debt negotiation platform that helps consumers settle delinquent accounts, with adjacent credit recovery features. Comparable to ACEMPRE's Recuperação de Crédito and Notificação Extrajudicial products for SMB customers.
• SPC Brasil: Brazilian credit bureau operating through a network of regional chambers, providing credit reports, scoring, and recovery services to SMBs. Closely comparable to ACEMPRE's bundled credit information and recovery suite.
• QueroQuitar: Brazilian debt settlement and credit recovery service operating on a subscription/transaction basis. Overlaps with ACEMPRE's credit recovery and extrajudicial notification products targeting delinquency management.
• Recover Brasil: Brazilian debt collection and credit recovery firm providing outsourced recovery services to businesses. Comparable to ACEMPRE's credit recovery and formal notification offerings for SMB clients facing client default.
• Boa Vista SCPC: One of Brazil's two major credit bureaus alongside Serasa, offering consumer and business credit reports, scores, and analytics. Directly competes with ACEMPRE's Serasa consultation offering in the Brazilian SMB credit information market.
• Score Brasil: Brazilian consumer credit scoring and consultation service offering credit reports and educational content. Comparable to ACEMPRE's credit consultation and analysis products for SMB and individual customers.

Broad incumbents

• Serasa Experian: Brazil's largest credit bureau and the underlying data source ACEMPRE resells. As a broad incumbent, Serasa Experian offers the full credit information stack plus adjacent services (Limpa Nome, debt negotiation) that compete with ACEMPRE's recovery and notification offerings.
• BomNegócio / Mercado Livre Credit: While not a pure credit bureau, Mercado Livre's embedded credit and SMB financial services compete indirectly with ACEMPRE's target audience (small sellers) and could subsume credit information needs via integrated tooling.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/a%C3%A7%C3%A3o-vertical

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 Ação Vertical