What Microplan GmbH Finanzsoftware does

Microplan GmbH Finanzsoftware is a privately held, owner-managed German software company founded in 1998 by Certified Financial Planner Peter Lill, headquartered in Holzkirchen (Bavaria) and registered as a GmbH at the Munich commercial register (HRB 121911). The company develops and sells NAVIGATO Vermögensplanung, a C#/.NET-based private banking software platform used by bank advisors to perform holistic wealth structure analyses, risk profiling, Markowitz portfolio optimization, historical backtesting (up to 50 years), stress testing, and wealth simulation for affluent and high-net-worth clients. NAVIGATO is delivered as an on-premise solution that runs on the bank's own server for data security, integrates with the bank's core banking system, and produces bank-branded customer reports in PowerPoint and PDF format with logos, color schemes and regional imagery.

The customer base is concentrated in the German Volksbanken/Raiffeisenbanken cooperative banking network, where NAVIGATO is described as the market leader (Marktführer) and is used by over 130 institutions, alongside a smaller set of private banks, independent asset managers and family offices (including ALPS Family Office and Carl von Rohrer Vermögensverwaltung). Microplan sells through a direct enterprise sales motion led by CFP-certified project managers and a key-account manager, with a complete-package commercial offering that bundles software licenses, on-site customization, on-site advisor training, ongoing support and a branded image film; pricing is quote-based and the contract cadence is annual subscription. The company is supported by a BVR channel partnership that positions NAVIGATO as the recommended wealth planning software within the cooperative banking association.

Microplan operates as a small, capital-efficient firm with an estimated 10-15 employees across software development, project management, key-account management and IT, with founder/managing directors Peter Lill and Andreas Kreppel as primary shareholders. The business model is recurring-revenue subscription licensed to a niche but entrenched installed base in the German cooperative banking vertical, with no external funding, no parent company, no subsidiaries, and no public M&A or restructuring activity disclosed.

Name

Microplan GmbH Finanzsoftware

Legal name

Microplan GmbH Finanzsoftware

Website

https://micro-plan.de

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

1–10 employees

Short description

Microplan GmbH Finanzsoftware develops NAVIGATO, a C#/.NET wealth planning software platform for German banks, used by over 130 Volksbanken/Raiffeisenbanken and select private banks and family offices to perform Markowitz-based portfolio optimization, backtesting and stress testing for affluent clients.

Ownership category

akta.pro rank

Product category

Wealth Management Software

NAICS

Portfolio Management and Investment Advice (523940), Software Publishers (513210)

SIC

Investment Advice (6282), Services-Prepackaged Software (7372)

akta.pro primary industry

Digital Wealth Platforms for Advisors (TAMP/Advisor Tech) (FSAGAEAH)

akta.pro secondary industry

Automated Rebalancing, Tax-Loss Harvesting & Tax-Optimized Investing Tools (FSAGAEAE)

Keywords

• Wealth planning software
• Private banking software
• Portfolio optimization software
• Financial advisory tools
• Banking software solutions

Headquarters

HQ city

Holzkirchen

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. NAVIGATO Software Licenses/Subscriptions: SaaS-like software licensing model for cooperative banks, private banks, and wealth managers. Pricing not publicly disclosed; sold as a complete package including software, customizations, training, and image film with no hidden costs.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Microplan develops and sells NAVIGATO Vermögensplanung, a private banking software solution for holistic wealth structure analysis and optimization. The platform uses Harry Markowitz's Modern Portfolio Theory to optimize client wealth, performs risk profiling, historical backtesting up to 50 years, stress testing, wealth simulation, and modular coverage of pension, real estate and succession topics. It produces branded customer reports (PowerPoint/PDF) and is sold as a complete subscription package including software, customization, on-site training and support to German cooperative banks, private banks, and independent asset managers.

Product overview

Microplan GmbH Finanzsoftware offers NAVIGATO, a unified private banking software platform for wealth management advisory. The core product NAVIGATO Vermögensplanung serves as the central platform, which includes modular components such as the Strategiebericht (Strategy Report) for comprehensive advisory discussions and the Statusbericht (Status Report) for brief customer meetings. Key features include Rendite-/Risikooptimierung (Return/Risk Optimization) powered by Harry Markowitz's portfolio theory, Risikoprofilierung (Risk Profiling) based on behavioral finance, Backtesting with up to 50 years of historical data, Stresstest (Stress Test) capabilities, Vermögenssimulation (Wealth Simulation), and modular components for Vorsorge, Immobilien & Nachfolge (Pension, Real Estate & Succession). The platform generates customizable Kundenberichte (Customer Reports) as PowerPoint and PDF documents. The company was founded in 1998 and NAVIGATO has been continuously developed for over 10 years, serving over 130 cooperative banks (VR-Banken).

Differentiator

Problem solved

Functional benefit

Products and services

• NAVIGATO Vermögensplanung

Quantifiable outcome

• Over 130 VR-Banken (cooperative banks) successfully use NAVIGATO as the market leader in German banking wealth planning software.
• +3 more outcomes

Named customers29 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature8 records

Partnerships

One partnership is on record.

• Volksbank Raiffeisenbank Deutschland (BVR)coreChannel Partner/ Reseller/ DistributorThe German Cooperative Banking Association (BVR) is the umbrella organization for Volksbank and Raiffeisenbank in Germany. NAVIGATO is marketed and distributed within this network as the recommended wealth planning software. The company has a dedicated presence at major cooperative banking events and uses the BVR association as a key distribution channel for its software.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• msg: Large German IT group with a dedicated banking division offering core banking and wealth management software. Provides comparable advisor and wealth planning tooling to German banks, but as part of a much broader enterprise IT portfolio.
• Morningstar Advisor Solutions: Global investment research and portfolio analytics provider with advisor workstation software. Comparable to NAVIGATO in portfolio analysis, risk profiling, and reporting, but as part of a broader data and advisory suite.
• FactSet: Global financial data and analytics platform with portfolio analytics and wealth workstation offerings. Comparable to NAVIGATO in the wealth planning and analytics layer, but operating at enterprise scale with far broader market coverage.
• SimCorp: Danish investment management software platform serving asset managers, insurance companies, and banks. Functionally adjacent to NAVIGATO via portfolio analytics, optimization, and reporting, though typically deployed at larger institutional scale.
• Avaloq: Swiss-based comprehensive wealth management platform (now part of NEC) used by private banks globally. Offers far broader functionality than NAVIGATO but overlaps in the wealth planning and reporting layer for private banking clients.

Emerging players

• Infront: European wealth management and market data software provider serving banks and wealth managers in DACH and Northern Europe. Overlaps with NAVIGATO in wealth planning workflows and advisor workstation functionality, with growing DACH footprint.
• LPA (Lucht Probst Associates): German capital markets technology firm providing trading and portfolio management software to banks. Adjacent to NAVIGATO in serving German bank advisory workflows with portfolio analytics and front-office technology.

Direct peers

• Profidata: Swiss provider of portfolio management and wealth management software for institutional and private banking clients. Offers comparable portfolio analytics, optimization, and reporting capabilities to NAVIGATO across the DACH region.
• wealthpilot: Austrian wealth planning software for banks and wealth managers, offering a comparable advisor-facing wealth planning platform with goal-based planning, risk profiling, and customer reporting. Closest direct competitor to NAVIGATO in the German-speaking market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/microplan-gmbh-finanzsoftware

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

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 Microplan GmbH Finanzsoftware