associazione nazionale sul sovraindebitamento rialziamoci italia

What associazione nazionale sul sovraindebitamento rialziamoci italia does

Associazione Nazionale sul Sovraindebitamento Rialziamoci Italia is an Italian non-profit social promotion association (associazione di promozione sociale) founded in 2018 and headquartered in Casale sul Sile, province of Treviso. It assists over-indebted private individuals, professionals, and small businesses in resolving debt crises through the procedures established by Italian Law 3/2012 (the so-called 'anti-suicide law'), including Liquidazione del Patrimonio, Piano del Consumatore, and Accordo di Composizione della Crisi. The association operates a national network of 20 O.C.C. (Organismi di Composizione della Crisi) offices, each registered with the Italian Ministry of Justice, covering provinces across Veneto, Friuli-Venezia Giulia, Sardegna, Puglia, Toscana, Emilia-Romagna, Marche, Abruzzo, Lazio, and Lombardia.

The 'Metodo R.I.' is the association's defined procedural workflow: an over-indebted debtor contacts a local O.C.C. office (often routed via municipal sportelli telematici, a toll-free hotline at 800 03 2012, or a referral from a chartered accountant or lawyer); an accounting expert drafts a restructuring plan; the O.C.C. verifies merit and attests feasibility; a lawyer presents the plan to the court; and a judge either homologates the plan (yielding debt discharge, or esdebitazione) or the association seeks an alternative. No proprietary technology platform underlies this workflow — it is a federated legal-services operation. Adjacent to the core O.C.C. practice, the association runs a 51-hour Corso di Alta Formazione per Gestori della Crisi in partnership with the Università Fondazione Accademia di Sassari (protocol signed October 2022), which qualifies participants for the Ministry of Justice's Crisis Managers Registry. Course fees are publicly disclosed at EUR 610 (standard) and EUR 488 (reduced for association members and members of partner professional Orders).

The revenue model rests on three streams: O.C.C. procedure management fees (published per territorial office), training course fees, and association membership dues. The organization is membership-led and federation-structured (each territorial O.C.C. holds its own VAT and fiscal code under the national association), with patronage relationships spanning over 100 Italian municipalities and Lloyd's of London professional liability insurance maintained across all O.C.C. offices as a regulatory requirement. Financial figures — revenue, headcount, funding — are not publicly disclosed.

Name

associazione nazionale sul sovraindebitamento rialziamoci italia

Legal name

Associazione Nazionale Rialziamoci Italia

Website

https://rialziamoci.it

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Rialziamoci Italia is an Italian non-profit association operating a national network of 20 Ministry of Justice-registered O.C.C. offices that provide debt restructuring and discharge services under Law 3/2012 for over-indebted individuals, professionals, and small businesses across Italy.

Ownership category

akta.pro rank

Product category

Consumer Debt Resolution Services

NAICS

Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522), Management Consulting Services (54161)

SIC

Miscellaneous Business Credit Institution (6159), Personal Credit Institutions (6141)

akta.pro primary industry

Insolvency & Turnaround Advisory (SME/Mid-Market Debtor-Side) (FSAEAFAK)

akta.pro secondary industries

Financial Hardship & Forbearance Assistance (FSAEAFAJ), Bankruptcy, Restructuring & Insolvency Law (BPAHAAAH), Insolvency, Restructuring & Bankruptcy Administration (BPAHABAL)

Keywords

• Debt resolution services
• Consumer insolvency advisory
• Bankruptcy procedure management
• Debt restructuring consulting
• Professional insolvency training

Headquarters

HQ city

Treviso

HQ country

Italy

HQ region

Europe

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. O.C.C. Procedure Management Fees: Rialziamoci Italia charges fees for managing insolvency and debt resolution procedures (O.C.C. services) under Law 3/2012. Fee schedules are published per territorial O.C.C. office (e.g., Tariffario O.C.C. for Udine, Vicenza, Verona, Venezia).
2. Professional Training Course Fees: The association generates revenue from high-level training courses for insolvency practitioners. Standard course fee is EUR 610 (EUR 500 + VAT); reduced fee of EUR 488 (EUR 400 + VAT) for association members and professionals from partner Orders.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Rialziamoci Italia provides court-supervised debt resolution services for over-indebted individuals, professionals, and small businesses under Italian Law 3/2012, via a national network of 20 Ministry of Justice-registered O.C.C. (Organismi di Composizione della Crisi) offices. The association facilitates three formal procedures — consumer plans (Piano del Consumatore), patrimony liquidation (Liquidazione del Patrimonio), and crisis composition agreements (Accordo di Composizione della Crisi) — supported by free initial consulting and a co-branded advanced training course for insolvency practitioners.

Product overview

Rialziamoci Italia is a national non-profit association specializing in debt resolution services under Italian Law 3/2012 (the 'anti-suicide law'). The organization operates through its network of O.C.C. (Organismi di Composizione della Crisi) crisis resolution organisms authorized by the Ministry of Justice, and telematic service counters (Sportelli Telematici Anti-Crisi) established in municipalities across Italy. The core service portfolio includes three debt resolution procedures: Liquidazione del Patrimonio (patrimony liquidation), Piano del Consumatore (consumer plan), and Accordo di Composizione della Crisi (crisis composition agreement), all facilitated through free initial consulting services and supplemented by advanced professional training courses for crisis managers. The organization maintains 19 territorial O.C.C. offices across Italian provinces including Treviso, Vicenza, Verona, Venezia, Udine, and others, providing nationwide coverage for individuals and businesses seeking debt relief.

Differentiator

Problem solved

Functional benefit

Products and services

• O.C.C. Rialziamoci Italia — Organismi di Composizione della Crisi

Quantifiable outcome

• Debt write-off rates ranging from 30% to 99% of original debt through Law 3/2012 procedures, depending on the client's financial situation and asset base
• +1 more outcomes

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• Università "Fondazione Accademia di Sassari Casa di Popoli, Culture e Religioni"coreStrategic or Co-development Partner · 1 October 2022Rialziamoci Italia signed a protocol of understanding (protocollo d'intesa) with the University of Sassari for a joint high-level training course (Corso di Alta Formazione per Gestori della Crisi) lasting 51 hours. The course is enabling for registration in the Ministry of Justice's Registry of Insolvency Managers. The partnership provides academic credibility and accreditation to the association's professional training program.
• Ordine dei Dottori Commercialisti e degli Esperti Contabili di Olbia Tempio PausaniaminorStrategic or Co-development Partner · 1 January 2022The Order of Chartered Accountants provides patronage (patrocinio) for the association's high-level training course, offering reduced course fees to its members. This partnership connects the association with professional accountants who are key actors in the insolvency procedure workflow.
• Ordine degli Avvocati di Tempio PausaniaminorStrategic or Co-development Partner · 1 January 2022The Bar Association of Tempio Pausania provides patronage (patrocinio) for the association's training course, offering reduced course fees to its members. Lawyers play an essential role in the Law 3/2012 procedure, presenting restructuring plans to the court.
• Italian Municipalities (Comuni Patrocinanti)coreChannel Partner/ Reseller/ DistributorOver 100 Italian municipalities provide free patronage (patronage gratuito) to Rialziamoci Italia, hosting information desks (sportelli telematici) and promotional materials. Municipal partners include Asolo, Casier, Ponzano Veneto, Zero Branco, Ceggia, and Pavia di Udine among many others. These municipalities act as distribution channels, referring over-indebted citizens to the nearest O.C.C. office.
• Lloyd's of London (Insurance)minorOthersAll territorial O.C.C. offices maintain professional liability insurance policies with Lloyd's of London (e.g., Pol. assic. A119C348740-LB for Vicenza; F2100015288-LB for Verona; A119C356133-LB for Venezia; F2300021364-LB for Udine). This is a regulatory requirement for O.C.C. registration with the Ministry of Justice.

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Cerved Group: Italy's largest credit information, rating and restructuring data provider. Comparable because it operates broadly in the Italian credit-risk and business-information stack that debtors, advisors and courts rely on for restructuring decisions, though its scope extends well beyond consumer O.C.C. services.
• CRIF: Bologna-headquartered credit bureau and advisory firm spanning credit information, debt recovery and consumer credit services. Comparable as a large incumbent in Italian debt/credit services that Rialziamoci Italia's debtor-side advisory touches, albeit operating a much wider product portfolio.
• Kruk Italia: Italian arm of a major European debt purchaser and servicer. Comparable because it touches the same universe of over-indebted Italian borrowers, but operates on the creditor-side purchase-and-collect model rather than the debtor-side esdebitazione advisory model.
• Grant Thornton Italy: Italian member of a global advisory network with an active restructuring and turnaround practice serving distressed SMEs and individuals. Comparable on advisory depth in Italian insolvency contexts, though typically serving larger engagements than Rialziamoci Italia's consumer/SME O.C.C. pipeline.
• KPMG Italy (Restructuring practice): Big Four firm in Italy with a dedicated restructuring practice advising debtors and creditors. Comparable as an incumbent advisor working on Italian distressed situations and turnaround plans that overlap with the SMEs and professionals served by Rialziamoci Italia.
• Hoist Finance Italy: European specialist in non-performing loan portfolios with operations in Italy. Comparable because it participates in the same distressed-borrower ecosystem but as a creditor-side loan purchaser rather than a debtor-side O.C.C. body.
• Intesa Sanpaolo (Restructuring & Insolvency desk): Major Italian banking group with structured restructuring and workout capabilities. Comparable because its restructuring teams interface directly with O.C.C. procedures and the same Law 3/2012 / Codice della Crisi framework.
• UniCredit (Restructuring & Special Situations): Italian systemic bank operating restructuring and non-performing exposure management. Comparable as a major counterparty present in the same O.C.C. / distressed-debtor pipeline, particularly for SME and consumer over-indebtedness cases.

Regional players

• Camera Civile (Italian insolvency lawyers network): Italian association of lawyers specializing in civil and insolvency litigation. Comparable in that its members are the legal actors that file plans before O.C.C.s and represent debtors in Law 3/2012 procedures — the same workflow Rialziamoci Italia's procedure services plug into.

Others

• Confesercenti: Major Italian trade association representing small businesses, retailers and the self-employed. Comparable at the customer-segment level: many of the small-business debtors and artisans that Confesercenti advises on financial distress are the same target market Rialziamoci Italia's O.C.C. serves.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/associazione-rialziamoci-italia

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 associazione nazionale sul sovraindebitamento rialziamoci italia