Apoio Assessoria E Cobranca Condominial

What Apoio Assessoria E Cobranca Condominial does

Apoio Assessoria e Cobrança Condominial (doing business as ApoioCob) is a Brazilian B2B professional services firm specializing in debt collection and credit recovery, primarily serving residential and commercial condominiums, property managers, and general businesses. The company has been operating for more than seven years and is headquartered in Fortaleza, Ceará, with a five-person operating team; founding partners collectively hold over 20 years of experience in the credit recovery market. Ownership is private and partner-held, with no institutional investors, parent company, or public market presence disclosed.

The firm delivers an integrated service platform built around five modules: extrajudicial collection (physical and electronic correspondence, phone calls, notary notifications, SMS, and WhatsApp Business), preventive collection (automated maturity reminders, renegotiation policies, and contact reporting), judicial collection (executed via an in-house legal team), negative credit listings and protests (registration with partner bad-payer databases), and complete legal advisory. The technological backbone is a proprietary telecobilling system that enables nationwide debtor outreach from Fortaleza, effectively replacing the need for regional field agents. A wholly-owned law firm subsidiary, Gondim, Fontoura & Pinheiro Advogados, supplies the legal capacity to execute judicial collection and broader civil, corporate, labor, and consumer law services.

ApoioCob earns revenue on a professional services basis, charging fees on debt recovery outcomes for its B2B clients. Pricing is quote-based and not publicly disclosed; prospective clients are routed through the company website, phone (including a toll-free 0800 line), and email. Distribution is direct B2B sales targeting property management companies, condo administrators, professional síndicos, and enterprise clients. Marketing relies on organic digital channels (website, Facebook, Instagram) supplemented by word-of-mouth referrals. Multi-year client relationships, including partnerships dating to 2014 and recurring testimonials from named accounts such as Grupo Viper and Grupo Condac, indicate a retention-oriented operating posture rather than aggressive acquisition-led expansion.

Name

Apoio Assessoria E Cobranca Condominial

Legal name

Apoio Assessoria e Cobrança

Website

https://apoiocob.com.br

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

ApoioCob is a Brazilian debt collection and credit recovery firm serving condominiums, property managers, and general businesses nationwide through a proprietary telecobilling system, offering extrajudicial, preventive, and judicial collection plus in-house legal advisory via its subsidiary law firm.

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro industry

PRIMARYFSAKAJAB

Third-Party Collection Agencies (Consumer)

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

SECONDARYBPAAAEAG

Debt Buying / Portfolio Acquisition & Recovery (Debt Purchasers)

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

Keywords

• Debt collection services
• Credit recovery
• Condominium collections
• Extrajudicial collection
• Legal advisory

Headquarters

HQ city

Fortaleza

HQ country

Brazil

HQ region

Latin America

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. Professional Services - Debt Collection: Revenue generated through debt collection services for condominiums and property management companies. Services include extrajudicial collection, preventive collection, judicial collection, negative credit listings, and legal advisory services. The company serves as a third-party collection agency managing credit recovery on behalf of clients.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

ApoioCob provides professional debt collection and credit recovery services to condominiums, property managers, and businesses across Brazil. Its offering spans extrajudicial collection, preventive collection reminders, judicial collection through an in-house legal team, debtor negative listing and protest, and complete legal advisory via the affiliated law firm Gondim, Fontoura & Pinheiro Advogados. Service delivery is supported by a proprietary national telecobilling system that enables nationwide debtor contact.

Product overview

Apoio Assessoria e Cobrança is a unified debt collection and financial health management service platform consisting of five integrated modules: Cobrança Extrajudicial (out-of-court collection), Cobrança Preventiva (prevention alerts), Cobrança Judicial (judicial collection), Negativações (negative registry/protest), and Assessoria Jurídica Completa (full legal advisory through partner firm Gondim, Fontoura & Pinheiro Advogados). The platform operates nationally via proprietary telecollection services and combines extrajudicial and judicial collection strategies with legal advisory services to help clients reduce delinquency rates and recover outstanding debts.

Differentiator

Problem solved

Functional benefit

Products and services

• Cobrança Extrajudicial
• Cobrança Preventiva Preventive collection service aimed at minimizing losses from payment delays, including advance notice before credit title expiration, automatic maturity reminders via email, SMS and phone calls, renegotiation policies, and contact reports for revenue planning. Targeted at clients seeking to reduce delinquency before it occurs.
• Cobrança Judicial Judicial (court-based) debt collection service executed by ApoioCob's in-house legal team of experienced lawyers specialized in credit recovery through judicial channels, delivering automated, efficient, and timely proceedings when extrajudicial recovery is unsuccessful.
• Negativações Service that includes debtors in partner bad-payer databases (negative credit listings) and protests overdue titles, accelerating collection by pressuring debtors and removing negative entries upon payment. Used in conjunction with collection efforts to drive faster recovery.
• Assessoria Jurídica Completa Comprehensive legal advisory service covering Civil, Corporate, Labor, and Consumer Law, delivered through the affiliated law firm Gondim, Fontoura & Pinheiro Advogados (part of the Apoio group) via legal assistance plans. Supports both collection-related matters and broader client legal needs.

Named customers5 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Gondim, Fontoura & Pinheiro AdvogadoscoreStrategic or Co-development PartnerIntegrated law firm within the Apoio group providing complete legal advisory services across Civil, Corporate, Labor, and Consumer law. The law firm supports debt collection operations through judicial proceedings and provides legal solutions to clients under assistance plans.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Serasa Experian: Brazil's dominant credit bureau and a major provider of debt collection, negotiation and credit-recovery solutions for creditors of all sizes. Comparable in offering breadth (data + recovery + legal channels) but operates as a national incumbent rather than a niche agency.
• SPC Brasil: Major Brazilian credit bureau offering debtor registration, credit reports and collection-related services. Comparable to ApoioCob's 'Negativações' (negative-listing) capability, but operating at a national, systemically critical scale.

Others

• BigDataCorp: Brazilian data and analytics provider supplying company and consumer credit data used by collection agencies. Adjacent technology/data vendor to ApoioCob's operations rather than a direct competitor, but an enabler in the same value chain.

Emerging players

• Acordo Certo: Digital debt negotiation platform connecting creditors and debtors via online agreements, often used by banks and large retailers. Comparable to ApoioCob's preventive and extrajudicial offering, but with a tech-led, self-service model rather than phone/WhatsApp-based outreach.
• Acordo Justo: Brazilian online debt negotiation and settlement marketplace for consumers and creditors. Overlaps with ApoioCob's extrajudicial collection funnel and could become a substitute channel for some condominium and SMB recovery volumes.
• Kontrole: Brazilian SaaS platform for accounts-receivable management and automated collection workflows. Comparable to ApoioCob's preventive and automated reminder capabilities (email, SMS, phone), but positioned as embedded software rather than outsourced agency services.
• QueroQuitar: Brazilian digital platform focused on consumer debt renegotiation and settlement. Adjacent competitor to ApoioCob's extrajudicial and preventive collection lines, particularly for SMBs and individuals seeking to clear condominium or service debts online.

Direct peers

• Recovery (Ativos S.A.): One of Brazil's largest debt buyers and collection agencies, operating judicial and extrajudicial recovery across multiple verticals. Highly comparable to ApoioCob in service model (extrajudicial + judicial recovery + legal support) but at vastly greater scale and with broader vertical reach.
• Lopes & Yoshida: Brazilian debt collection group offering extrajudicial and judicial recovery, with in-house legal structure similar to ApoioCob's Gondim, Fontoura & Pinheiro Advogados subsidiary. Serves banks, telecoms and retailers across Brazil.
• Concilig: Brazilian debt collection and negotiation firm serving financial institutions, telecoms and utilities with extrajudicial and judicial recovery. Directly comparable business model to ApoioCob, though with larger institutional clients and more standardized digital tooling.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/ApoioCob
• Instagraminstagram.com/apoiocob
• LinkedInlinkedin.com/company/apoio-assessoria-e-cobranca-condominial

Revenue estimate

Valuation estimate

Number of profiles

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 Apoio Assessoria E Cobranca Condominial