RECUPEROS S.A.

What RECUPEROS S.A. does

Recuperos S.A. is a Chile-based B2B accounts receivable management company providing integrated debt collection and credit risk services to enterprise clients. Founded in 1992 and headquartered in Las Condes, Santiago, the company operates as a subsidiary of Grupo Continental, one of the largest insurance groups in Latin America with operations across Chile, Peru, and Argentina. Its service portfolio covers the full debt lifecycle: telephone-based invoice follow-up (Recaudación Telefónica), intensive pre-judicial collection with debtor condition analysis (Cobranza Prejudicial), judicial collection through legal action and asset seizure (Cobranza Judicial), 90-day portfolio regularization for aged debt (Regularización de Cartera), creditor verification in insolvency proceedings (Verificación de Crédito), tiered monthly subscription plans (Planes Mensuales Gold and Silver), standalone credit opinion reports (Opiniones de Crédito), and a free daily subscription listing of Chilean Boletín Concursal liquidations and reorganizations.

The underlying technology is a web-based case management and tracking system that supports both pre-judicial and judicial workflows, paired with the Extranet client portal that gives clients online visibility into case status, KPIs, and reporting. The GTM is sales-led and relationship-driven, targeting enterprises with overdue accounts receivable through direct outreach, the corporate website (recuperos.com), and the daily insolvency listing as a top-of-funnel lead-generation mechanism.

The revenue model is mixed: monthly subscription plans (e.g., Gold tier at UF 4 per month) provide recurring revenue, while portfolio regularization, credit verification, and credit opinions are structured as professional services engagements. Customer concentration and exact revenue figures are not disclosed, and the company shows no recorded AI/ML capabilities, funding rounds, or recent M&A activity. The company currently serves only Chile, despite its parent's regional footprint, leaving cross-border expansion as a latent option.

Name

RECUPEROS S.A.

Legal name

Recuperos S.A.

Website

https://recuperos.com

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

1–10 employees

Short description

Recuperos S.A. is a Chilean B2B accounts receivable management company founded in 1992 and part of Grupo Continental, offering integrated debt collection, portfolio regularization, credit verification, and credit opinion services to enterprise clients across Chile.

Ownership category

akta.pro rank

Product category

Commercial Debt Collection and Accounts Receivable Management

NAICS

Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB)

akta.pro secondary industries

Debt Recovery & Asset Recovery (Repossession Coordination, Collateral Recovery) (BPAAAEAE), Receivables Management (Collections, Lockbox, EIPP) (FSABAIAA)

Keywords

• Accounts receivable management
• Commercial debt collection
• Credit risk assessment
• Insolvency proceedings services
• Portfolio regularization

Headquarters

HQ city

Santiago

HQ country

Chile

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Monthly Collection Plans: Recuperos S.A. offers monthly subscription-based collection plans (Gold, Silver tiers) that provide ongoing pre-judicial debt collection services. Clients pay a recurring monthly fee for dedicated collection management tailored to their business needs.
2. Portfolio Regularization Services: One-time 90-day collection management service for aged or neglected debt portfolios. Fees are typically charged as a fixed service engagement for comprehensive portfolio analysis, recovery actions, and final reporting with incobrabilidad certificates.
3. Credit Verification in Insolvency Proceedings: Verification and registration of creditor claims in court-supervised insolvency proceedings (voluntary liquidation, forced liquidation, or reorganization). Service includes legal representation through attorneys and ongoing case tracking until proceeding closure.
4. Credit Opinions: Custom credit risk reports prepared by financial analysts evaluating a client's economic solvency and payment behavior. These reports support credit decisions and are sold as standalone advisory products.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Recuperos S.A. provides integrated B2B accounts receivable management (gestión integral de cuentas por cobrar) services to enterprises in Chile. The company offers end-to-end debt collection across pre-judicial and judicial stages, including telephone collection, portfolio regularization, credit verification in insolvency proceedings, monthly subscription plans, and credit risk opinions. Cases are managed by financial analysts and attorneys and are tracked through a web-based client portal (Extranet).

Product overview

RECUPEROS S.A. offers a unified accounts receivable management platform as part of the Continental Group, providing integrated B2B debt collection and credit management solutions. The core portfolio consists of eight interconnected services: Recaudación Telefónica (proactive invoice follow-up), Cobranza Prejudicial (intensive pre-judicial collection with debtor analysis), Cobranza Judicial (legal debt pursuit), Regularización de Cartera (old portfolio management), Verificación de Crédito (bankruptcy claim verification), Planes Mensuales (customizable monthly plans), Opiniones de Crédito (credit risk assessments), and Listado de Liquidaciones y Reorganizaciones (bankruptcy tracking). Clients access case progress via the ExtraNET web portal, creating a full-service offering that covers the entire debt lifecycle from early-stage collection through judicial proceedings and credit risk evaluation.

Differentiator

Problem solved

Functional benefit

Products and services

• Recaudación Telefónica (Telephone Collection) Proactive invoice follow-up service that coordinates payment through phone, email, and WhatsApp outreach, with the goal of reducing days sales outstanding and accelerating cash flow for businesses with outstanding receivables.
• Cobranza Prejudicial (Pre-Judicial Collection) Intensive pre-judicial debt collection service including deep debtor analysis (protests, liabilities, labor records, tax situation, judicial cases, payment behavior) followed by phone, letter, SMS, WhatsApp, and email outreach to recover debts and negotiate payment agreements.
• Cobranza Judicial (Judicial Collection) Judicial debt collection service pursuing payment through legal action, including negotiation, lawsuit filing, and asset seizure and liquidation, for cases younger than 9 months with executive merit documents.
• Regularización de Cartera (Portfolio Regularization) Portfolio regularization service managing old or neglected debt portfolios for 90 days, seeking debt recovery, payment agreements, or discovery of prior payments, with final status reports, recommendations, and Certificates of Uncollectability (incobrabilidad).
• Verificación de Crédito (Credit Verification in Insolvency) Credit verification service accrediting creditor claims in Voluntary Liquidation, Forced Liquidation, or Reorganization processes published in the Bankruptcy Bulletin (Boletín Concursal), with 15-30 day verification windows depending on procedure type and ongoing case tracking through proceeding closure.
• Planes Mensuales (Monthly Collection Plans) Monthly subscription-based pre-judicial collection plans (Gold and Silver tiers) that flexibly adapt to client business needs, offering customizable coverage levels for ongoing debt collection management.
• Opiniones de Crédito (Credit Opinions) Credit opinion service providing companies with credit risk assessments of their clients through detailed solvency and payment behavior reports prepared by financial analysts to support credit line and payment terms decisions.
• Listado de Liquidaciones y Reorganizaciones (Daily Insolvency Bulletin Listing) Free daily email subscription service that publishes all liquidations and reorganizations appearing in the Commercial Bulletin (Boletín Concursal), enabling creditors to take timely action on debtor insolvency proceedings.
• ExtraNET Client Portal Secure web portal providing existing clients with online case tracking, status monitoring, and reporting for collection management activities.

Quantifiable outcome

• Probability of debt collection declines significantly over time, making early externalization critical to maximizing recovery rates. Source: Commercial Collection Agency Association of the Commercial Law League of America.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Grupo Continental (Continental Chile, Insur Perú, Insur Argentina)coreStrategic or Co-development PartnerRecuperos S.A. is a member of Grupo Continental, one of the most important insurance groups in Latin America with operations across Chile, Peru, and Argentina. This affiliation provides Recuperos with institutional backing, brand credibility, and cross-regional synergies within the insurance and financial services ecosystem.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• EOS Group: Germany-headquartered international debt collection group operating in over 26 countries. Directly competes with Recuperos in B2B receivables management, offering pre-judicial collection, judicial enforcement, and credit reporting services to enterprise clients.
• Intrum: Sweden-based global leader in debt collection and credit management services, operating across Europe and Latin America. Directly comparable to Recuperos as a B2B accounts receivable management platform serving enterprise clients with pre-judicial and judicial collection.
• ANC (Asesoría y Negocios del Crédito): Chilean debt collection and credit management agency offering B2B collection services similar to Recuperos. A direct domestic competitor operating in the same Chilean market with comparable pre-judicial and judicial collection offerings.
• Credito y Cobranza: Chile-based collection agency providing B2B debt recovery services in the same domestic market as Recuperos. Directly comparable in service scope (telephone collection, pre-judicial, judicial) and target customer segment.

Broad incumbents

• Allianz Trade: Global trade credit insurer and B2B receivables management arm of Allianz. Overlaps with Recuperos in credit opinions, commercial debt collection, and receivables management, but serves clients through a wider insurance-led portfolio.
• Coface: French trade credit insurer and B2B receivables management firm operating globally. Comparable to Recuperos through its credit opinion and B2B debt collection services, though it operates as a broader portfolio player with insurance as the core business.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/recuperos-s.a.

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 RECUPEROS S.A.