Mkm Group

What Mkm Group does

MKM Group GmbH is a Leipzig-based insurance brokerage (Versicherungsmakler) registered in Germany since September 28, 2009, specializing in credit insurance, surety/bail bonds (Kautionsversicherungen), trade credit insurance (Warenkreditversicherung/Forderungsausfallversicherung), and factoring services. The firm operates under §34d Abs. 1 GewO with registration D-JC54-VX91E-87 and is supervised by IHK zu Leipzig and DIHK e.V. Its client base spans four segments — B2B companies seeking liquidity optimization, insurance brokers, private and commercial tenants, and construction firms — served through direct advisory sales, website appointment booking, downloadable pre-declaration forms, and referrals via industry associations.

The company's product portfolio is anchored by a structurally distinctive offering, the Courtage-Ausfall-Versicherung (CAV), described as unique in Germany, which protects insurance brokers from commission defaults by clients or clawbacks by insurers; CAV is productized into BASIC (€1,487.50/yr, €10,000 sum insured) and PRO (€2,201.50/yr, €60,000 sum insured) tiers underwritten with R+V Versicherung. Other products include commercial and private rental deposit bonds (Mietkaution), construction performance and contract surety bonds (Baubürgschaft, Vertragserfüllungsbürgschaft), and factoring that delivers receivables payment within 72 hours. The underlying technology stack is modest: a WordPress site hosted on Strato with Google Analytics and Google Tag Manager for web analytics; no proprietary platform, mobile app, API, or AI tooling is disclosed.

MKM Group earns revenue primarily through brokerage commissions (Courtage) paid by insurance carriers for placing and managing policies, supplemented by subscription fees for the tiered CAV product and net-product fee arrangements in some cases. The firm holds 16 years of operating history, ISO 9001:2015 certification from TÜV Rheinland, and membership in BDVM, BARDO e.V., and the R+V Makler-Fachrat Kredit. Managing Director Marco Lotz serves as Chairman of the Collateral Insurance Committee and as a board member of BARDO e.V., giving the small firm disproportionate industry influence. Revenue, funding, and headcount beyond the 1–10 employee range are not publicly disclosed.

Name

Mkm Group

Legal name

MKM Group GmbH

Website

https://mkmgroup.de

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1–10 employees

Short description

MKM Group GmbH is a Leipzig-based German insurance brokerage specializing in credit insurance, surety bonds, factoring, and a unique broker commission-default insurance (CAV) for SMEs, brokers, tenants, and construction firms.

Ownership category

akta.pro rank

Headquarters

HQ city

Leipzig

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commission (Courtage): As a licensed insurance broker (Versicherungsmakler) registered under §34d Abs. 1 GewO, MKM Group earns commission (Courtage) from insurance companies for placing and managing insurance policies. This commission is traditionally paid by the insurer and is included in the insurance premium. For certain net products, separate fee agreements may be established with clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

MKM Group GmbH is a licensed German insurance broker (Versicherungsmakler) that advises businesses and intermediaries on credit insurance, surety/bail bonds, factoring, and the unique Germany-wide Courtage-Ausfall-Versicherung (CAV). The firm places policies with multiple insurer partners and earns brokerage commissions, helping clients optimize liquidity and protect against payment defaults, capital tied up in deposits, and receivables losses.

Product overview

MKM Group is a specialized insurance broker for credit insurance and factoring solutions based in Leipzig, Germany. Founded in 2009, the company operates as a single unified offering platform providing a portfolio of related financial security products, all focused on liquidity optimization and risk protection. The core product suite includes: (1) Kautionsversicherungen/Bürgschaften – surety bonds and guarantee insurance that replace capital deposits; (2) Factoring – accounts receivable sale for immediate liquidity; (3) Warenkreditversicherung/Forderungsausfallversicherung – trade credit insurance against payment defaults; (4) CAV (Courtage-Ausfall-Versicherung) – broker commission failure insurance available in BASIC and PRO tiers; and (5) Mietkautionsversicherung – rental deposit insurance for both commercial and private tenants. Additional offerings target specific segments: Baubürgschaft and Vertragserfüllungsbürgschaft for construction companies. All products share the common goal of freeing up tied-up capital, protecting against receivables losses, and improving financial flexibility for businesses.

Differentiator

Problem solved

Functional benefit

Products and services

• Kautionsversicherungen/Bürgschaften (Surety Bonds and Guarantees)

Quantifiable outcome

• Release capital tied up in security deposits/retentions for active business use
• +2 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and flagship.

• R+V VersicherungcoreTechnology or IntegrationR+V Versicherung is a key product partner offering credit insurance products. MKM Group is a member of R+V's broker advisory council (Makler-Fachrat Kredit) and offers R+V's Courtage-Ausfall-Versicherung (CAV) through their platform. The partnership provides insurance products for brokers and financial service providers.
• BARDO e.V.flagshipStrategic or Co-development PartnerBARDO e.V. is the International Association of Credit Insurance Brokers. CEO Marco Lotz serves as Vorstandsmitglied (board member) of the association. MKM Group actively shapes industry standards and developments through this strategic partnership.
• Bundesverband Deutscher Versicherungsmakler e.V. (BDVM)coreStrategic or Co-development PartnerBDVM is the German Federal Association of Insurance Brokers. MKM Group is a member, indicating professional standing and adherence to industry standards for insurance brokers in Germany.
• Various Credit and Collateral InsurerscoreChannel Partner/ Reseller/ DistributorMKM Group maintains an 'exzellentes Netzwerk zu allen relevanten Kautions- & Kreditversicherern' (excellent network with all relevant collateral and credit insurers). They work with multiple insurance partners to place credit insurance, collateral insurance, and factoring products for their clients.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Atradius: Global trade credit insurer with strong German presence; competes in credit insurance and surety products that MKM brokers. Similar underlying customer base (exporters, B2B firms), but distributes primarily through direct and large-broker channels.
• Coface: Major global credit insurer competing in the same trade credit and surety space where MKM places business. Comparable product line (credit insurance, surety, factoring), but serves larger enterprises directly rather than through specialist brokers.
• Willis Towers Watson (WTW): Global advisory and insurance brokerage firm with credit insurance and surety capabilities relevant to German corporates. Comparable role as an intermediary in placing complex credit and surety programs, but at materially larger scale and scope.
• Aon Germany: Global insurance and reinsurance broker with a German credit insurance practice. Competes for the same mid-market and corporate credit insurance and surety placements that MKM brokers, though with a much broader product portfolio.
• Marsh: Global insurance broker and risk advisor active in German credit, surety, and factoring placements. Comparable business model (commission-based insurance intermediary) but operating at vastly larger scale across many lines of business.
• Euler Hermes (Allianz Trade): The world's largest trade credit insurer (now under Allianz), explicitly referenced by MKM as a partner/resource. Overlaps directly with MKM's Warenkreditversicherung and factoring brokerage, but operates as a global carrier rather than a niche broker.

Others

• BDVM (Bundesverband Deutscher Versicherungsmakler): The German Federal Association of Insurance Brokers, of which MKM is a member. Not a competitor, but the industry association that defines professional standards for German Versicherungsmakler and is an ecosystem participant that shapes MKM's operating environment.

Direct peers

• Creditreform: Germany's leading credit bureau and a partner of MKM for creditworthiness data. Operates adjacent services (credit information, collections, rating) that overlap with the risk-assessment layer behind MKM's credit insurance and factoring offerings.
• Deutsche Factoring Bank: Specialized German factoring provider whose offering directly overlaps with MKM's Factoring product line. Comparable customer profile (German SMEs seeking liquidity from receivables) and product (selling receivables for accelerated cash).
• R+V Versicherung: Major German insurer and MKM's core product partner for the CAV product; MKM sits on R+V's Broker Advisory Council for credit. R+V writes credit and surety business that overlaps directly with MKM's brokered portfolio and is the underwriter behind MKM's differentiated CAV offering.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/mkm-group-gmbh
• Instagraminstagram.com/mkmgroup

Compliance1 record

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 Mkm Group