Nekrachni

What Nekrachni does

Nekrachni, z.ú. is a Czech nonprofit organization founded in 2021 by Maruška Šimůnková (CEO & Co-founder) and Jakub Rychlý (Co-founder, Chairman of the Board) after the founders identified a gap in practical financial literacy education following their own secondary schooling. The organization delivers financial education primarily to Generation Z (ages 15–27) in the Czech Republic, with secondary offerings to schools, corporate employers, parents, and the nonprofit/financial advisory sector. Nekrachni describes itself as a market leader in Czech GenZ financial education and operates with a small core team of approximately 5–7 people out of Prague.

The product portfolio is anchored by two core platforms: a free mobile application (iOS and Android, launched October 2024) that delivers gamified courses, lessons, quizzes, and reminders via a guide character called Nøt, and the eduplatforma (edu.nekrachni.cz), a web-based hub offering EduTalks webinars, Akademie courses, Guides Compass eBooks, a 30-year Financial Game simulation, Q&A Meetups, offline events, and a blog. Supporting offerings include interactive workshops for schools and corporate financial-wellbeing workshops for employers, didactic materials and workbooks sold via an e-shop (29–49 Kč per item, with premium Academy courses up to 1,000 Kč), and white-label/integration options for enterprise partners. The platform integrates Comgate for payments, Fakturoid for invoicing, and social-login via Google, Facebook, and Twitter.

Nekrachni's business model is hybrid nonprofit: the consumer-facing app and most educational content are free, monetized indirectly through corporate workshop fees, low-ticket e-shop sales, paid premium Academy courses, institutional partnerships and sponsorships (e.g., Google.org Impact Challenge Grantee, GSFT, Jake&James Accounting, Portu, Asociace finančních poradců), and donations via darujme.cz. Go-to-market is community-led and event-driven, with strong organic social presence on Instagram, TikTok, and LinkedIn, plus media coverage in CzechCrunch, E15, Aktuálně, Heroine.cz, and Seznam Zprávy. The organization is not VAT-registered and is classified as a private nonprofit entity.

Name

Nekrachni

Legal name

Nekrachni, z.ú.

Website

https://nekrachni.cz

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Nekrachni is a Czech nonprofit (z.ú.) that provides gamified financial education to Generation Z through a free mobile app, the eduplatforma web portal, school and corporate workshops, and expert-reviewed content, serving individuals, schools, employers, and the nonprofit and advisory sector in the Czech Republic.

Ownership category

akta.pro rank

Product category

Financial Education Services

NAICS

Educational Support Services (61171), Educational Services (611), Business Schools and Computer and Management Training (6114)

SIC

Services-Educational Services (8200)

akta.pro primary industry

Personal Finance & Financial Literacy for Students (EDAMAIAH)

akta.pro secondary industries

Corporate/L&D Course Licensing from Creators (B2B Upskilling) (MPACALAH), Financial Education & Coaching (Digital Programs, Tools) (FSAGADAH), Financial & Consumer Literacy (Banking, Credit, Contracts) (EDAAAAAG)

Keywords

• Financial literacy education
• Gamified learning platform
• Youth financial education
• Financial wellbeing workshops
• Personal finance training

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Workshop Services for Companies: 90-minute interactive workshops on financial wellbeing delivered to corporate employees. Workshops help prevent employee dissatisfaction with pay by teaching effective money management. Customized content based on company requirements.
2. Workshop Services for Schools: Interactive workshops in schools, teacher training, and didactic materials for educational institutions covering financial literacy topics.
3. Educational Materials and Courses: Sale of teaching materials including workbooks, games, guides, and eBooks. Materials range from 29 Kč to 49 Kč for individual items. Premium Academy courses like 'Jak efektivně investovat svým dětem' priced at 1000 Kč.
4. Partnership and Sponsorship: Organizations support the project through partnerships that contribute to app development, visibility, and co-creation of educational content. Partners include financial institutions, companies, and foundations.
5. Corporate Integration and Private Use: Integration of Nekrachni products into partner organizations' solutions - closed groups in the app, educational content placement on eduplatforma, white-label arrangements for private use by clients or employees.
6. Donations: Nonprofit organization accepting donations through darujme.cz platform for supporting their mission of financial education.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels10 records

Core offering

Nekrachni provides financial literacy education primarily to Czech GenZ audiences through a free gamified mobile app and a web-based eduplatforma offering courses, webinars, eBooks, and a financial simulation game. The organization also sells interactive financial wellbeing workshops to corporate employers and didactic materials plus in-school workshops to schools and teachers. Content is independent, expert-reviewed, and not tied to any financial product promotion.

Product overview

Nekrachni is a Czech non-profit organization (z.ú.) providing comprehensive financial education primarily for GenZ. The portfolio consists of a free Mobile App (core product) delivering gamified financial education through courses, videos, quizzes, and reminders; an Eduplatforma as the central hub for online learning including EduTalks webinars, Akademie courses, Guides Compass ebooks, Q&A Meetups, and offline events; plus dedicated offerings for schools (interactive workshops and didactic materials) and corporate clients (Financial Wellbeing Workshop). Products are interconnected: the app serves individual users, the eduplatform provides structured learning paths for those seeking deeper knowledge, and workshops/materials serve institutional partners. The entire ecosystem is anchored in independent, objective financial education without promoting specific financial products.

Differentiator

Problem solved

Functional benefit

Products and services

• Nekrachni Mobile App Free mobile application (iOS and Android) that introduces young people to personal finance through gamified courses, lessons, videos, quizzes, checklists, a financial glossary, and obligation reminders. Personalized through the 'Nøt' (Notík) guide character and progress tracking across six financial areas.
• Eduplatforma Web-based educational platform (edu.nekrachni.cz) hosting webinars (EduTalks), online courses (Akademie), eBooks (Guides Compass), a financial simulation game, Q&A Meetups, expert breakfasts, and a blog covering financial topics.
• Didactic Materials for Teachers Printed and digital teaching resources for educators including workbooks, worksheets, matching exercises (Pexeso), flashcards, crosswords, and card games (Přirazovačka) on budgeting, contracts, taxes, cryptocurrencies, and other financial concepts. Priced from 29 Kč to 49 Kč per item.
• Interactive Workshops for Schools Live interactive workshops delivered in schools covering basic financial literacy, budget awareness, critical thinking in finance, and beginner investing. Also includes teacher training and didactic materials.
• Financial Wellbeing Workshop for Companies A 90-minute interactive in-person workshop for company employees that teaches effective money management, aims to increase satisfaction with salary, and supports talent attraction and retention. Content is customized based on company requirements; pricing is available upon request.
• Financial Game (Finanční hra) A financial simulation game in which participants manage a virtual family over a 30-year period, making decisions on budgeting, insurance, saving, and investment. Developed and implemented in partnership with VSGF.
• Akademie (Online Courses) Paid online courses on the eduplatforma delivering in-depth knowledge with practical approaches to personal finance. Example offering: 'Jak efektivně investovat svým dětem' (2+ hours, instructors Jakub Kratochvíl and Jakub Rychlý, priced at 1000 Kč).
• EduTalks (Webinars) Online webinars with subject-matter experts focused on practical financial know-how, where participants can engage directly with professionals during livestream sessions.
• Guides Compass (eBooks) Digital eBooks (priced 0–49 Kč) serving as guides and manuals for complex financial topics, including titles on tax returns, students/work/taxes, and surviving school dropout.
• Q&A Meetups Livestream debates and Q&A sessions with financial experts where participants can ask questions and discuss best practices in topics such as passive income, real estate investing, and life insurance.
• Breakfast with Expert (Snídaně s expertem) In-person events where experts present topics over breakfast in an intimate setting, allowing participants to meet professionals and engage in financial discussions.
• Offline Events In-person events including panel discussions with experts, documentary screenings, conference appearances, and school visits where the Nekrachni team meets its audience.

Quantifiable outcome

• 84% of employees are interested in workplace financial education programs
• +3 more outcomes

Named customers10 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Jake&James AccountingcoreStrategic or Co-development PartnerLong-term partnership for expert review and co-creation of financial education content. Jake&James provided expert oversight for the eBook 'Studenti, práce a DANĚ' about income taxes. They serve as expert guarantors for content accuracy and help spread know-how about taxes and accounting through joint communication on social media and blog.
• Garanční systém finančního trhu (GSFT)coreStrategic or Co-development PartnerGovernment financial system partnered for educational campaign about deposit guarantees and financial market stability. Created educational materials, social media content, and in-app content about GSFT's role in protecting bank customers.
• AC&C Public RelationsminorGTM or Marketing PartnerPR agency partner coordinating the GSFT campaign. Account Director Michaela Procházková managed the collaboration.
• Pretty Much NomadsminorStrategic or Co-development PartnerCopywriting partnership for eBook creation. Monika Hušková from Pretty Much Nomads contributed significantly to writing the income tax eBook content.
• Vzdělávací společnost pro finanční gramotnost (VSGF)coreStrategic or Co-development PartnerEducational company partnership for co-creation and implementation of the Financial Game - a 30-year life simulation teaching financial literacy through practical experience.
• Asociace finančních poradců České republikycoreStrategic or Co-development PartnerProfessional association of financial advisors collaborating on eduplatforma content. Partners contribute expertise and help spread financial literacy knowledge.
• Various Banks and Financial InstitutionsminorStrategic or Co-development PartnerBanks and financial institutions collaborate with Nekrachni for financial education initiatives. They want to reach GenZ through authentic, independent educational content rather than their own marketing.
• Politicians and Government OfficialsminorStrategic or Co-development PartnerCollaboration with politicians for financial literacy policy and educational initiatives at national level.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Regional players

• MyBnk: UK-based charity delivering financial education programs to young people through schools and youth organizations. Highly comparable nonprofit mission, school workshop delivery, and youth audience, operating in a different European market.
• Wallet by BudgetBakers: Czech personal finance management app serving the same domestic market with budgeting tools. Overlapping Czech audience and personal finance category but oriented around money management rather than structured education.
• Pixpay: French teen banking and financial education app targeting GenZ. Comparable mobile-first European youth fintech with embedded financial literacy, though serving the French rather than Czech market.
• Finanzfluss: German creator-led financial education platform with courses and multimedia content. Comparable content-platform model and personal finance education focus, serving a different but adjacent DACH market.

Direct peers

• Junior Achievement: Global nonprofit delivering financial literacy, work readiness, and entrepreneurship programs in schools. Closely comparable nonprofit structure, mission, school workshop delivery model, and youth audience.
• Copper: US teen debit card and financial education app targeting middle and high school students. Similar GenZ focus, educational content embedded in the app experience, and mobile-first delivery.
• Step: US-based teen banking and financial education platform with mobile-first design. Comparable audience (teens and young adults) and similar blend of financial tools plus educational content.
• Goalsetter: US-based youth financial education and savings platform using gamified learning and quizzes to teach financial literacy. Highly comparable product format and GenZ audience targeting to Nekrachni's mobile app.
• Greenlight: US-based youth debit card and financial education platform serving GenZ with a gamified mobile app, parental controls, and learning content. Directly comparable mobile-first, education-led approach targeting the same demographic.
• EverFi: B2B financial education platform used by schools, colleges, and employers. Directly comparable in B2B distribution model, employer/school workshop integration, and digital content licensing approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/nekrachni

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Nekrachni