credibile

What credibile does

Credibile Lab S.r.l. is an Italian software vendor that provides a cloud-native SaaS platform, branded CREDIBILE™, that integrates commercial credit risk evaluation, monitoring, and debt recovery into a single system for Italian enterprises. The platform is built on a Microsoft .NET multi-tenant architecture with RESTful APIs and is differentiated by extensive connectors to the Italian ERP ecosystem, including a proprietary SAP connector plus native integrations with TeamSystem, Zucchetti, Wolters Kluwer (Arca Evolution), Microsoft Dynamics, Oracle NetSuite, Buffetti, Passepartout, Sistemi, Dylog, SAGE, and IBM AS/400. The product is organized into core modules (Dashboard, Past Due Management, Risk Control, Credit Insurance, Credit Limit Management, Factor, Reporting) and add-on modules (Insurance Company Integration, Commercial Information Integration, Collection Workflow, Litigation Management, SAP Integration), and is complemented by a Business Information distribution service run in partnership with SevenData S.p.a.

The company monetizes through three streams: recurring software subscriptions (quote-based, tailored to enterprise size and selected modules), usage-based business information products sold via prepaid credit packages (€500, €1,000, or €2,000 excluding VAT), and professional services for implementation, customization, training, and ongoing support. Its go-to-market combines direct enterprise sales (consultative engagement via dedicated account managers, free specialist consultations, web-conference demos) with a System Integrator partner channel offering margin incentives, technical certification, and a dedicated partner portal. The platform embeds ML-based negativity scoring and neural-network-based credit rating models, while customer logos span manufacturing (Manni Group, Casillo Group, Fitt, Ilcat), telecom/IT (Retelit, Irideos), and other industrial sectors, with documented outcomes including reductions in bad debt provisions, DSO, and manual activity time.

Name

credibile

Legal name

CREDIBILE LAB S.r.l.

Website

https://credibile.net

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

Credibile Lab S.r.l. is an Italian SaaS vendor providing a cloud-based commercial credit management platform (CREDIBILE™) with deep native ERP integrations, ML-based scoring, and business information services, primarily serving Italian enterprises across manufacturing, industrial, and telecom sectors.

Ownership category

akta.pro rank

Product category

Credit Risk Management Software

NAICS

Activities Related to Credit Intermediation (5223), Other Activities Related to Credit Intermediation (522390)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

CRM Data Quality, Enrichment & CDP-Adjacent CRM (HDAEAFAJ)

akta.pro secondary industries

Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ), CRM Strategy & Consulting (BPAFAFAA), B2B SaaS & Enterprise Personalization (CRM, Sales, Support) (HDAAAGAJ)

Keywords

• Commercial credit management
• Credit risk scoring
• ERP-integrated credit software
• Debt collection automation
• Business information reports

Headquarters

HQ city

Caserta

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Software Licensing & Subscriptions: The core CREDIBILE™ credit management software is offered as a cloud-based subscription with the platform accessible via dedicated customer area (credibile.cloud). The software includes modules for strategic dashboard, credit monitoring, debt management, and ERP integration. Pricing is tailored to each enterprise customer based on company size, number of users, and selected modules.
2. Business Information Products: Commercial information reports (Full Report, Affidamenti Report) and monitoring services are sold via a credit-based plafond system. Customers purchase upfront credit bundles (500, 1000, or 2000 credits) which are consumed when requesting reports. Reports include 12 months of monitoring. Offered in partnership with SevenData S.p.a.
3. Professional Services & Implementation: Implementation, customization, training, and ongoing technical support services are provided as part of the overall service offering. The company provides a Customer Success Manager, technical support 5/7, and continuous training for customer teams.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Credibile provides a cloud-native SaaS software platform for commercial credit management (Credit Risk Management) that integrates risk evaluation, monitoring, and debt recovery with major Italian and international ERP systems (SAP, Microsoft Dynamics, Oracle NetSuite, TeamSystem, Zucchetti, Wolters Kluwer, etc.). The platform delivers credit scoring/rating via machine learning and neural networks, automated multi-channel collection workflows, credit limit control, dashboards/KPIs for C-level executives, and integrated business information reports distributed in partnership with SevenData.

Product overview

CREDIBILE is a modular credit risk management platform consisting of the core CREDIBILE software for commercial credit management combined with optional add-on modules. The platform operates in cloud environment, is multilingual and multi-user with customizable profiles. The core CREDIBILE platform provides Dashboard, Past Due Management, Risk Control, Credit Insurance, Accounting Exposure, Notes, Reporting/Statistics, Factor management, Risk Prevention/Credit Limit Management, and Utility features. Optional add-on modules include Insurance Company Integration, Commercial Information Integration, Electronic Communications, Postal Service Integration, Collection Workflow, Risk Analysis Workflow, Litigation Management, Credit Recovery Service Integration, and SAP Integration. Business Information services are distributed through partnership with SevenData and include Full Report, Report Affidamenti (Credit Report), and Plafond credit packages. The CREDIBILE Method is the proprietary 30-year methodology underlying the entire platform.

Differentiator

Problem solved

Functional benefit

Brands

• CREDIBILE™: Proprietary credit risk management method and software platform version 4.0, developed over 30 years of experience, integrating risk evaluation, monitoring, and credit collection into a single coherent system.
• Metodo CREDIBILE™

Products and services

• CREDIBILE Credit Management Platform Vertical cloud-based, multilingual, multi-user SaaS platform for commercial credit management that integrates credit evaluation, monitoring, and collection under the proprietary Metodo CREDIBILE; targets Italian enterprises running major ERPs.
• Business Information CREDIBILE Commercial/business information distribution service selling credit reports and 12-month monitoring to enterprise credit managers and financial decision-makers via prepaid credit packages.
• Plafond Credit Packages (500 / 1000 / 2000 credits) Prepaid credit package offerings sold to enterprise customers to access Business Information services such as Full Report and Report Affidamenti; consumed on a pay-as-you-go basis.
• Full Report In-depth commercial information report on Italian counterparties, including scoring, ratings, recommended credit limits, balance sheet grade, and negativity data, distributed via SevenData partnership with 12 months of monitoring.
• Report Affidamenti (Credit Report) Targeted commercial information report for independent insurance credit evaluation, providing negativity score, rating, recommended commercial credit and balance sheet grade for Italian counterparties.
• Metodo CREDIBILE Proprietary credit risk management methodology developed over 30 years of experience by founder Pasquale Monaco, integrating risk assessment, monitoring, and credit collection into a single coherent system that underpins the CREDIBILE software.

Quantifiable outcome

• Reduce bad debt provisions by 30%
• +9 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration16 records

AI capability3 records

Feature8 records

Partnerships

Two partnerships are on record, tiered core.

• SevenData S.p.a.coreTechnology or IntegrationSevenData S.p.a. is the official commercial information provider for Credibile Lab. Credibile Lab is the official distributor of commercial information, ratings, media monitoring, and data processing services provided by SevenData. This partnership enables CREDIBILE to offer business information reports (Full Report, Affidamenti Report) with 12-month monitoring to its customers as part of the integrated credit management platform. The reports leverage SevenData's comprehensive data coverage including 100% of business registrations, negative events, and financial statements of Italian companies.
• Wolters Kluwer ItaliacoreTechnology or IntegrationWolters Kluwer Italia is the vendor of Arca Evolution ERP, with which CREDIBILE has a dedicated and documented integration. The partnership enables seamless synchronization of data (customer master data, invoices, deadlines, installments, collections, commercial credit limits) between Arca Evolution and CREDIBILE. CREDIBILE positions itself as a complementary solution for Arca Evolution users who need advanced credit management capabilities beyond what the native ERP module provides. Multiple successful integration projects have been completed with companies using Arca Evolution.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• CRIF: CRIF is one of Italy's largest credit bureaus and credit management software providers, offering business information, credit scoring, and decisioning platforms across Europe. Directly comparable as a competing provider of credit data, scoring, and B2B credit risk management software to Italian enterprises.
• Cerved (now part of Moody's): Cerved is the leading Italian business information and credit risk management provider, serving banks, corporates, and financial institutions with credit reports, ratings, and analytics. Directly comparable as a primary Italian incumbent in commercial credit information and credit management workflows.
• Dun & Bradstreet: Dun & Bradstreet is a global business credit reporting and data analytics leader, offering commercial credit scores, monitoring, and master data solutions. Comparable as a broader incumbent competing for enterprise credit risk management budgets, though with a less Italian-specialized product posture.
• Coface: Coface is a global credit insurer that also offers business information and credit management services, integrating trade credit insurance with risk monitoring. Comparable as a credit insurance + business information incumbent whose product overlaps with Credibnite's Assicurazione Crediti and commercial information modules.
• Allianz Trade (Euler Hermes): Allianz Trade is the world's largest credit insurer, offering trade credit insurance plus business information and credit management tools, with strong enterprise integrations. Comparable as both an integration partner and a competitor for the integrated credit insurance + management use cases Credibnite targets.
• Atradius: Atradius is a leading global trade credit insurer with business information and credit management capabilities, especially strong in Europe. Comparable as both a partner for insurance API integration and a competitor offering bundled credit insurance + risk management to Italian corporates.
• Tactile (now Experian Business Check): Experian's commercial business information arm provides global commercial credit reports, monitoring, and analytics used in B2B credit decisioning. Comparable as an incumbent business information provider whose Full Report-style product competes directly with Credibnite's SevenData-distributed reports.

Direct peers

• Creditsafe: Creditsafe provides global business credit reports and monitoring, including strong coverage of Italian companies, with API-driven delivery and integration into credit management workflows. Directly comparable as a competitor offering commercial credit reports and ERP-adjacent data integration to Italian corporates.
• HighRadius: HighRadius is an enterprise SaaS platform for order-to-cash, credit, collections, and treasury management, with AI-driven risk scoring and large ERP integrations (SAP, Oracle, NetSuite). Directly comparable as a vertically-focused credit-to-cash SaaS competitor with similar ERP integration strategy and enterprise target buyers.

Emerging players

• Modefinance: Modefinance is an Italian fintech providing credit ratings, scoring, and credit risk analytics for SMEs and corporates, with proprietary quantitative methodologies. Comparable as a smaller Italian specialist with overlapping target market (Italian corporates needing credit assessment) and similar methodology-driven differentiation.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/credibile-lab

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 credibile