BKS members

777 Capital Partners is an independent real estate investment boutique based in Frankfurt am Main. The firm invests in value-add and opportunistic real estate projects across the DACH region, including distressed developments and NPL portfolios. Through its subsidiary 777 Financial Advisors GmbH, 777 Capital Partners also provides debt advisory services for real estate projects. The team brings together more than 75 years of combined experience in real estate and financial services, with a transaction volume of over EUR 53 billion. www.777capital.com

Axactor is a next-generation receivables management company based in Scandinavia and active in six European countries. We can look back on solid growth and a strong financial position, and we are continually seeking new growth opportunities in both new and existing markets. Founded in 2015, we have risen rapidly to become one of the top ten providers in Europe, and we continue to pursue ambitious goals for the future. We consistently seek sustainable solutions for our clients and debtors, and we work hard to deliver consistently high quality. https://www.axactor.de/

The coeo Group is among the leading technology-driven debt collection companies in Europe. With a clear focus on digital processes, data-based decisions and AI-supported customer interaction, coeo drives the continuous improvement of receivables management and other business processes, with the aim of delivering lasting gains in efficiency, quality and customer experience.

Website: coeo Group

coeo Inkasso GmbH Germany, as part of coeo Group GmbH, is a legal services provider for consumer-focused receivables management. Its services cover commercial dunning, pre-litigation and litigation proceedings, and long-term monitoring. In this, coeo DE draws on data-based collection with the broadest range of functions in the industry, combined with first-class expertise and the long-standing experience of its staff.

Commerz Service-Center Intensive GmbH is a subsidiary of Commerzbank AG founded in 2003, dedicated to the sustainable handling of receivables in restructuring and workout management and the associated servicing. Through portfolio-based and case-by-case measures, efficient and risk-focused processing achieves both sustainable recovery and proceeds-oriented realisation of collateral and recovery of claims. In this work, as in the handling of insolvency proceedings, efficient and flexible processes are combined with proactive portfolio management to optimise outcomes and make value-enhancing contributions to risk and earnings results.

dohr Inkasso GmbH & Co KG is an owner-managed company with more than 50 years of history. We offer both portfolio acquisition and servicing. We also purchase receivables that are neither titled nor within the limitation period. We currently handle 1.1 million accounts, with a focus on NPLs. Around 25 collection companies, many of them BKS members, are our partners. Our software “cor collect” is designed for the legacy-receivables segment. Since 2025, AI modules have provided additional scalability, with productivity gains of up to 400% in case set-up. http://www.dohr-inkasso.de/

The EOS Group is one of the leading international providers of tailored financial services. Its focus is on receivables management, built around three core business areas: fiduciary collection, debt purchase and business process outsourcing. With almost 8,000 employees and more than 60 subsidiaries, EOS offers its some 20,000 clients in 28 countries financial security through tailored services in the B2C and B2B segments. Through an international network of partner companies, the EOS Group has resources in over 180 countries. Its principal target sectors are banks, utilities, the telecommunications market, the public sector, the real estate sector, distance selling and e-commerce. Further information: www.eos-solutions.com.

Part of the LOANCOS Group. Management of terminated loans, purchase of secured and unsecured receivables from banks, savings banks and insurance companies, and the realisation of these, including on a fiduciary basis. (fmp-potsdam.de)

Our mission is to manage the financial sector’s payment flows. This encompasses servicing, collateralisation, realisation and debt purchase. Thanks to our flexibility and our approach, we make possible what others consider impossible. With our proprietary software, we can adapt our service to the needs of different portfolios. A comprehensive partner network provides further support in achieving these goals. In addition, we offer numerous ancillary services around the core servicing, each tailored individually to the sector. True strength comes from within, which is why we have firmly embedded our values and mission and aim to be a dependable partner in receivables management: fair, flexible and reliable. Contact: Sales team, +49 6188 30630 274, team-sales@goldbach-financial.com

HFI Finanz- und Investitions- Beratungsgesellschaft Hamm mbH (HFI) is a debt collection agency tailored specifically to the needs of the cooperative financial network (genossenschaftlicher FinanzVerbund). HFI specialises in the collection of written-off receivables arising from the cooperative credit business. In the past we worked primarily for BAG Bankaktiengesellschaft, from which we emerged as a specialist division. Since May 2003 we have offered our services to all partner banks of the cooperative financial network. Today many Volksbanken and Raiffeisenbanken, the central banks and the network companies are among our clients. The steadily growing volume of mandates is a clear indicator of our partner banks’ satisfaction with our services. http://www.hfi-inkasso.de/

We, the HmcS Group, have been established as a specialist in credit and real estate management since 2004. Our services are aimed at regional banks, commercial and mortgage banks, as well as insurers and financial service providers, whose specific requirements we meet to a high standard. We carry out tasks in post-disbursement loan administration, take on collateral management for lenders and act as trustee for secured bonds (primary servicing). With our particular expertise in handling problem loans, we are among the leading independent outsourcing platforms for banks and savings banks. Financial investors value our expertise in NPL transactions and our servicing of NPL portfolios (special servicing). We are therefore one of the few providers specialising both in the collection of consumer loans (collection) and in the workout of real estate loans and complex financings (resolution), with the structures required to do so. https://www.hmcs.com/

The HOIST Group is a leading European financial services provider specialising in the purchase and servicing of receivables. HOIST was founded in 1908 as a Swedish vehicle finance company. The company has grown continuously since then and is now one of the largest providers of debt purchase and administration in Europe. HOIST employs more than 400 staff in nine countries and manages more than 1.1 million receivables with a nominal value of over EUR 6.7 billion. Long-standing experience, optimised work processes and state-of-the-art IT applications enable the HOIST Group to offer its clients and partners optimal solutions. In this way HOIST makes a decisive contribution to improving the overall position of its clients and partners, which include private customers, banks and financial service providers, and companies. HOIST has been accredited by Standard & Poor’s with an “Above Average (Outlook: Stable)” servicer rating. http://hoistfinance.com/

Intrum is present in 24 European countries with credit management services. With more than 9,000 employees, 80,000 companies as clients and revenue of around EUR 1.3 billion (2018), Intrum is the market leader in this segment. In Germany, more than 500 employees work at the Heppenheim, Essen, Hamburg and Mönchengladbach sites. Intrum offers its clients solutions to improve cash flow and long-term profitability. The focus is on financial services, ranging from direct debit procedures for retail, through accounts receivable management and secured invoice purchase in e-commerce, to the management of distressed receivables and the support of over-indebted customers. The aim is to accompany customers on their way out of debt so that they can once again take an active part in economic life. To the website

Intrum is present in 24 European countries with credit management services. With more than 9,000 employees, 80,000 companies as clients and revenue of around EUR 1.3 billion (2018), Intrum is the market leader in this segment. In Germany, more than 500 employees work at the Heppenheim, Essen, Hamburg and Mönchengladbach sites. Intrum offers its clients solutions to improve cash flow and long-term profitability. The focus is on financial services, ranging from direct debit procedures for retail, through accounts receivable management and secured invoice purchase in e-commerce, to the management of distressed receivables and the support of over-indebted customers. The aim is to accompany customers on their way out of debt so that they can once again take an active part in economic life. To the website

The Link Financial Group is one of the largest servicers and buyers of consumer and corporate loans in Europe. Link Financial provides complete management for a broad range of loans and receivables, including consumer loans, credit cards, car loans, asset finance and leasing, mortgages, student loans and commercial (SME) receivables. For more than 22 years, the Link Financial Group has been the preferred partner of many of the world’s leading banks and credit providers thanks to its scale, professionalism and expertise. The Link Financial Group is represented across eleven European offices, employs around 1,000 staff and manages 4.5 million customer accounts with a receivables volume of around EUR 50 billion. Standard & Poor’s rates the group as “Strong” for special servicing. Forward thinking, positive outcomes | Link Financial GmbH

LOANCOS GmbH is a specialist in all services relating to non-performing financings of residential and commercial real estate. We combine regional market expertise (170 employees at six sites) with international NPL expertise, pursuing the following objective on behalf of our clients: to realise non-performing loans faster and with better proceeds. We achieve this through committed employees with long-standing experience in the NPL field, standardised processing for high-volume business, state-of-the-art IT and a close-knit local contact network. We also offer our clients a high degree of transparency in our activities and consistent reporting. https://loancos.de/

Lowell Financial Services GmbH is one of the leading providers of receivables management. Its 1,227 employees in Germany and Spain manage a receivables volume currently amounting to around EUR 21.5 billion. Lowell’s offering is aimed at retail groups, banks, insurers, energy suppliers, telecommunications companies and public institutions, as well as small and medium-sized enterprises. Lowell’s expertise in receivables management ranges from the fiduciary administration of trade and credit receivables to the valuation, acquisition and resolution of consumer and real estate loans. In all this, Lowell stands for customer-retaining receivables management to a high quality standard. This is confirmed by the rating agency Standard & Poor’s, which awards Lowell the highest ranking as a servicer: “Strong, Outlook Stable”. http://www.gfkl.com/

The HFG Group is the specialist for long-term collection in Germany. We draw on our more than 30 years of expertise in the long-term pursuit of titled collection claims to unlock untapped potential from titled receivables, using state-of-the-art IT infrastructure, a highly trained team and the latest BI techniques. The HFG Group’s processes are consistently geared towards long-term collection. With our long-standing experience and the analysis of up to 300 data points per file, we know when time and money should be invested in a claim that has been worked unsuccessfully for years in order to move the debtor to pay. To the website

Myntro is a European partner for credit management and financial solutions. We work with banks, financial institutions and consumer-facing companies in eight European markets. By combining strong governance, local expertise and modern technology, Myntro creates sustainable solutions and outcomes for companies and individuals alike. Myntro is a licensed credit market company supervised by the Swedish Financial Supervisory Authority. www.myntro.de

https://www.pactumcollections.com/

PRA Group Deutschland GmbH is a company of the US-based PRA Group. The listed PRA Group (NASDAQ: PRAA) is one of the world’s largest investors in non-performing consumer loans. The acquisition of the Aktiv Kapital group in July 2014 expanded the PRA Group’s presence in Europe while strengthening its expertise in the purchase and servicing of non-performing consumer loans. Portfolios are typically acquired from banks and financial institutions, with value created through our flexible, customer-focused collection approach, which enables individual solutions with debtors. http://www.pragroup.com/

Proceed Collection Services is a servicer specialising in the administration, handling and collection of non-performing consumer loans. Its client base includes major banks, savings banks and cooperative banks, as well as clients from other financial services sectors. Part of the GFKL Group, the company holds collection licences from the presidents of the Essen and Munich district courts and is, alongside the BKS, a member of the German Federal Association of Debt Collection Companies (Bundesverband Deutscher Inkasso-Unternehmen). As a servicer for the administration of unsecured loan receivables, it focuses consistently on consensual solutions; enforcement measures are not the priority. Its services in detail: fiduciary processing / long-term monitoring, portfolio valuations / portfolio purchase, outsourcing projects for resolution units, process-oriented team structure and workflows, modern IT infrastructure, flexible fee models and individual solutions. http://www.proceed-collection.de/

Riverty’s roots reach back to the 1960s, when the original company was founded as a complement to the printing services Bertelsmann provided for book publishers. By the end of the 1990s the company had acquired major international clients and grown into the comprehensive services group Arvato, whose portfolio ranged from financial services and warehousing to customer relationship management and IT services. Within Arvato, the financial services company Arvato Financial Solutions was the driving force and had always stood for transformation. Starting with classic B2B factoring, the offering became ever more international and broader in the 2000s. Fraud prevention, credit brokerage services, receivables management, accounting solutions and buy-now-pay-later payment methods were added, to name but a few. The various solutions were offered under brands well known today: Arvato Financial Solutions, AfterPay, Paigo, and many more. This year, 2022, another major step lies ahead that brings us closer to our shared goal: to give everyone the greatest possible financial freedom. This is why we are pooling our strength as Riverty. https://www.riverty.com/de/business

Since 2006, the Silverton Group’s range of services has covered the servicing of real estate-secured loans, as well as the investment and asset management of commercial real estate with value-add potential. Silverton also acts as a BaFin-licensed paying agent and security trustee in the context of syndicated financings. Silverton has offices in Düsseldorf, Frankfurt, Munich, Athens and New York. www.silverton.de

A4RES Advisory GmbH is recognised across Germany as a specialist in solutions relating to real estate collateral. Whether the matter concerns the critical review of a property as collateral, an impending enforcement action, a looming insolvency or the prospect of restructuring debt with the owner, we find the appropriate solution. Our focus is on helping creditor banks, insolvency administrators and debtors to stabilise distressed real estate assets and steer them out of crisis. At the same time, we help buyers and existing owners to avoid such situations through balanced financing structures and to secure long-term growth in value through sustainable property management.

http://www.a4res.de/

Advisense is a leading Swedish consultancy for governance, risk and compliance in the financial sector, with independent units across Europe. Drawing on deep subject-matter expertise, more than 500 experienced specialists at Advisense help financial institutions to meet regulatory requirements efficiently and sustainably. Its range of services spans strategic governance and risk advisory, the development of credit risk models and complex regulatory questions. In Germany in particular, Advisense GmbH has pronounced expertise in regulatory reporting and supports institutions in meeting demanding reporting requirements. Advisense stands for practical, forward-looking solutions delivered with sound judgement. https://advisense.com/de/

Collectia is a leading technology-focused company specialising in debt collection and legal services, credit and address information, and software products. Our head office is in Copenhagen, and we operate eight branches across the Nordic countries and Germany. The almost 300 employees of the Collectia family serve more than 20,000 clients throughout Europe.

Collectia is today owned by Silverfleet Capital, a respected investment firm based in London with 30 years of experience in investing in mid-market European companies. Since 2016, Collectia has pursued an ambitious expansion strategy involving numerous acquisitions in Sweden, Norway, Finland, Germany and Denmark. This growth has gained considerable momentum and is set to continue in the years ahead.

As one of the leading information service providers in the German market, CRIF supports companies and financial institutions across the full management of their digital customer journey. Through our three core areas, clients benefit from integrated identity, credit risk and fraud management, as well as innovative solutions in digital onboarding, open banking, compliance, ESG, address tracing and marketing services. Our open ecosystem approach provides the direct link to first-class partner services. Based on our B2B2C data universe, clients have flexibly combinable access to information on individuals and companies according to the use case. This is tailored individually to the business model and complemented by long-standing international analytical expertise and process consulting. As a best-in-class partner alongside our clients, we transform data into measurable success. CRIF Germany is part of the global CRIF Group, headquartered in Bologna, Italy. The group is today active with more than 5,500 experts and over 70 companies in more than 35 countries across four continents. info.de@crif.com www.crif.de

The founding of the association Deutsche Kreditmarkt-Standards e. V. (DKS) in October 2011 was intended to lay the basis for establishing process and contractual standards for the German credit market and the transactions that take place within it. The work of the DKS is not directed at commercial business operations. Rather, the purpose of the DKS is to broaden knowledge of the national and international credit business and of credit (market) transactions, and to create generally recognised standard contractual clauses and standard processes in this field. The intended standardisation is designed to enable credit institutions that have not been active in the transaction market in recent years, and have therefore gathered little or no practical experience, to prepare and carry out such transactions in future using standardised processes and procedures. For all other credit institutions, the creation of German credit market standards is intended to enable process improvements in the preparation, execution and completion of credit transactions. https://kreditmarkt-standards.de/

We are Experian. We combine data, technology and advanced analytics with sector-specific expertise in risk management, brought together in innovative decisioning platforms and analytics dashboards. In doing so, we help companies to make data-based, well-judged credit decisions, to operate effective fraud and identity management, and to develop sustainable growth strategies. In the present climate in particular, companies need fast, reliable and automated processes to strengthen their competitive advantage, reduce costs and create the best possible customer journey. With products such as PowerCurve, CrossCore, Open Banking, CyberAgent and Web Data Insights, we deliver precisely that, helping to identify new business areas and to realise the full potential of companies. https://www.experian.de/

Founded in 1990, we have been a digitalisation partner and project accelerator across the entire DACH region and beyond for more than 30 years. Through our software solutions and consulting specialists, our clients benefit from proven agile project management methods and a modern, scalable software platform. Our clients include companies from the financial sector, the debt collection industry, the public sector and industry. For credit, NPL and receivables management in particular, we draw on our modular business solution, which has been making clients more efficient and more successful for decades. Since November 2021 we have been part of FINNOFLEET, a Central European group specialising in software development for the financial services industry.

Further information is available at https://www.subito.de. You are also welcome to contact us directly:

• Jörg Gurzawski | Senior Sales Manager | joerg.gurzawski@subito.de | +49-6105-9702-276
• Philipp Kuna | Marketing Manager | philipp.kuna@subito.de | +49-6105-9702-290

Only those who actively seek out and develop contacts can help shape the banking environment of tomorrow. Alongside sound professional expertise, the ability to communicate is an indispensable core skill in this respect. For the winners of tomorrow, it is therefore already decisive today to engage actively in the financial services market. Given the rapid pace of change in the professional environment, a well-established network can make an important contribution to one’s own goal-oriented development. At the International Bankers Forum we initiate and cultivate contacts. The focus is on the exchange of ideas on banking, credit and financial policy topics. https://internationalbankersforum.org/

KUCERA Rechtsanwälte is a law firm with an advisory focus on real estate law. With our clear focus on the real estate sector and our industry experience, we are a genuine alternative to the real estate teams of large law firms. KUCERA’s finance and restructuring practice is focused on real estate financing and refinancing, the restructuring of real estate portfolios in crisis, and the sale and realisation of loan receivables together with their associated collateral. Clients include institutional real estate investors, banks and wind-down agencies (“bad banks”), special servicers and real estate private equity funds. KUCERA also advises institutional creditors and debtors in NPL situations, in particular in insolvencies, enforcement actions and receiverships. http://kucera.biz/#kucera

Qualco Technology is the software and technology arm of the Qualco Group and draws on more than 25 years of experience in developing solutions for the financial sector. With clients in more than 30 countries across Europe and the Middle East, Qualco Technology helps banks, financial institutions and other organisations to manage credit and lending processes efficiently while meeting all regulatory requirements.

Through the use of advanced analytics, artificial intelligence and digital technologies, Qualco Technology’s software solutions cover every stage of the credit and lending value chain, improving customer experience, increasing operational efficiency and enabling sustainable growth in a dynamic market environment.

www.qualco.tech

As an independent full-service provider, Regis24 sources reliable, business-relevant information for every phase of the customer lifecycle. We support you in updating and completing your customer data and ensure that business risks are identified and mitigated at an early stage. Many satisfied clients from the banking, insurance, energy, receivables management, retail and e-commerce sectors, as well as public institutions, place their trust in Regis24. http://www.regis24.de/

Since its founding in 1927, SCHUFA Holding AG has been a central authority for credit and risk information in Germany, operating on the SCHUFA principle of mutuality.
With credit-relevant information on around 68 million individuals and 6 million companies, SCHUFA helps more than 11,000 corporate clients to make robust decisions and to design processes efficiently and in an automated way. For the NPL market, SCHUFA provides important building blocks: debtor and portfolio assessments, risk management, and address, identity and compliance checks, always to the highest standards of data protection and data security.

For more than 50 years, Schultze & Braun has acted as a strong partner in limiting the effects of corporate crises, avoiding crises and seizing business opportunities. In doing so, our lawyers, tax advisers and auditors combine legal and business expertise and take on management responsibilities, providing comprehensive advice and services. Credit institutions and other providers of capital can likewise rely on expert advice from our specialists. Among other things, Schultze & Braun advises and supports financiers and investors in preventing and counteracting credit risks and defaults.

STP Business Information GmbH, based in Karlsruhe, together with WBDat Wirtschafts- und Branchendaten GmbH and EDV-Technik Dipl.-Ing. Went GmbH in Austria, forms the Business Information unit within the STP Group. It emerged in 2019 from a merger of Inobas GmbH and STP Portal GmbH and looks back on 15 years of experience. Operating internationally, but at home in Karlsruhe. STP Business Information is the specialist in intelligent data services relating to insolvency and company information for companies of every size and from every sector. By monitoring and unlocking data, business processes and decision-making can be automated and optimised. You know your business; we enrich it. We supply you quickly, automatically and reliably with precisely the information you need to run and develop your business successfully. Knowledge brings an edge. Those who gain early access to the relevant business information make better decisions and can act faster than their competitors, whether for lead generation, customer acquisition, customer care, compliance requirements or receivables management. More than 500 reputable companies from a wide range of sectors benefit from our intelligent data services, avoiding risks and identifying new sales opportunities every day. We provide you with sector-specific information quickly and straightforwardly, adapted to your processes, systems and workflows. https://www.stp-bi.de/

VERSUS | Recruitment Advisers is an executive search consultancy based in Düsseldorf. Our strength is the successful and precise recruitment of senior managers and highly specialised experts in the fields of loan resolution, outsourcing and risk management. Our clients include consumer credit banks, service providers in loan purchasing and servicing, and agile young fintech start-ups. These companies have worked successfully with us for years in recruitment, talent development and the assessment of executives. Through our excellent network in the NPL sector, we are able to create solutions quickly and dependably. We know at first hand the challenges facing decision-makers in the NPL sector.

With more than 2,400 lawyers across 45 offices in 31 countries, White & Case is one of the leading international law firms and stands for acting locally and thinking globally. Through its comprehensive global network, White & Case has commercial law expertise worldwide, together with detailed knowledge of industries and markets. With currently more than 220 lawyers, tax advisers and notaries at the four German offices in Berlin, Düsseldorf, Frankfurt am Main and Hamburg, we advise clients on all questions of national and international commercial law. Through our internationally integrated advisory practice, we are among the largest firms in Germany. In structured finance we have a powerful and fully integrated global practice in the world’s major financial centres. Our German team is among the leading practices in the German securitisation market and advises banks and companies, as well as trustees and agents, on the structuring, development and implementation of prominent secured/asset-based capital market transactions under German, English and US law. The team regularly advises on large-volume NPL transactions in the European market, both in direct portfolio sales and in structured transactions by way of securitisation. http://www.whitecase.com