Debt Management Technology Partner

Founded in Greece in 1995, Relational FS has grown to become one of the leading international software solutions providers with a footprint in 35 countries within EMEA.

Our headquarters and global R&D team are based in Athens, which is nowadays an international center of excellence for many globally known IT companies. We also have offices in Romania as well as local presences in the UK, Kenya and Dubai.

With a wide range of business class software solutions, we address core industries such as banking, telcos, retail and government sector, and we proudly serve over 300 corporate customers. We deliver Loan Origination, Loan Management and Debt Management solutions through our own i-Apply, LMS and AroTRON products. Our long-lasting partnership with a number of international software vendors such as SAP, Informatica and BMC allows us to also offer Business Service Management, Analytics and Data Governance solutions.

Together with you, we design and implement IT solutions to meet your business needs.

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European NPL Partner

As financial institutions around the world continue to focus on deleveraging their balance sheets, Allen & Overy has been at the forefront of the market, advising both governments, buyers and sellers of NPLs and we are well placed to setup and manage the legal aspects of SPVs for this purpose.

We are considered to be the premier firm across a range of banking and capital markets products and are able to bring together teams from across our leading practices in complementary areas such as funds, regulatory, debt capital markets, derivatives and securitisation to cover every aspect of a proposed transaction.

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Globally Connected Investor Partner

The EOS Group is one of the leading technology-driven financial investors and an expert in the processing of outstanding receivables. The company's core business is the purchase of unsecured and secured debt portfolios.

With over 45 years of experience, EOS offers some 20,000 customers in 26 countries around the world smart services for all their receivables management needs. Its focus is on banks and companies from the real estate, telecommunications, energy supply and e-commerce sectors. EOS employs more than 6,800 people and is part of the Otto Group.

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Greek Legal Partner

Sioufas & Associates Law Firm is a leading Greek law firm operating in Greece, with offices in Athens, Thessaloniki and Patra, Romania, and Singapore. For more than 20 years they have been providing top quality legal services to all major Greek banks, financial institutions, servicers, foreign investment funds and corporate clients.

Sioufas & Associates Law Firm is committed to long lasting relationships providing strong and enduring support, delivering tailor-made solutions to their clients, within the current, challenging environment.

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Spanish Auctions Partner depending of the General Council of Spanish Solicitors which is a public corporation authorized by the Spanish law to externalize auctions out of the courts, is an auction tool operating in the Spanish distressed market, with the objective of streamlining judicial processes. Subastas adapt the rules of implementation to the needs of each type of procedure and they strive to be effective in enforcement procedures speeding up recovery timings.

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Block Sponsors

Societe Generale, one of Europe's leading financial services groups and a major player in the economy for over 150 years, supports 30 million clients every day with 133,000 staff in 61 countries.

Our Group draws on our European roots to develop our business internationally. Our unique geographic positioning enables us to connect Europe, Russia, and Africa with major global financial centres in Asia and the Americas.

The Group combines financial strength, proven expertise in innovation and a sustainable growth strategy with the objective of creating value for all our stakeholders. We seek to be a trusted partner in the projects of those building tomorrow's world today.

This commitment guides our mission: to protect and manage assets and savings, finance projects, protect clients in their both their day-to-day lives and in their professional activities, ensure secure transactions and offer the best technological solutions.

At the heart of linking issuers and investors

Our asset backed products offering is the centre of expertise and single entry point for engineering, distribution and trading of ABS-type securitised products, trade receivables and structured loans. Our Asset Backed Products' activity is exclusively focused on clients - corporates, financial institutions, insurance companies - and investors in a wide sense, such as private equity, fund managers, specialised funds, hedge funds.

Our capability to embrace in an orderly and disciplined manner all structured credit activities on a global scale allows us to deliver you tailor-made credit backed solutions for our clients while ensuring proper risk control and management.

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Freshfields Bruckhaus Deringer LLP (Freshfields) is an advisor of choice for UK, European and US-based financial institutions, private equity houses and corporations across the stressed and distressed markets and has acted on cutting edge transactions, which serve as a benchmark in the market. We advise on the acquisition, origination and/or funding of loan portfolio transactions, including standalone businesses as well as discrete loan pools. Our European team turns difficulty into opportunity, providing M&A, financing, debt capital markets, restructuring & insolvency, tax, real estate, anti-trust and regulatory advice on a cross-border and integrated basis.

Freshfields is a global law firm with a long-standing track record of successful supporting the world’s leading national and multinational corporations, financial institutions and governments on ground-breaking and business-critical mandates. Our 2,800 plus lawyers deliver results worldwide through our own offices and alongside leading local law firms. Our commitment, local and multi-national expertise and business know-how means our clients rely on us when it matters most.

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Sidley is an elite global law firm powered by lawyers who practice at the highest level of the profession. Backed by 157 years of trailblazing heritage, we deliver superior service to a high-caliber group of market leaders worldwide, while placing a premium on collaboration and diversity. Our firm boasts a roster of more than 2,300 lawyers who wield deep experience in litigation, transactional, and regulatory matters spanning over 50 legal disciplines and industries.

With 21 offices situated in major commercial and financial capitals around the world, our lawyers possess the cultural awareness and legal acumen needed to advise clients in today’s global economy.

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BCMGlobal is a leading European independent mortgage, real estate and commercial loan servicer. They are the leading loan origination and NPL servicer in Ireland.

With over 25 years' experience providing outsourced solutions to Europe's leading banking and financial services institutions, their clients trust them to deliver best-in-class services to them and their customers.

They service over 100,000 loans in Ireland, the UK, , Italy, and the Netherlands. Their 800+ people support their clients throughout the loan lifecycle, from origination through to redemption, including loan workout services, Real Estate Asset management and Regulatory Services.

BCMGlobal’s services are tailored to meet each client’s needs. They combine their knowledge of regulated and unregulated sectors, all asset classes, jurisdictional expertise with their technology platforms to achieve the best possible outcomes for clients.

Their seven main areas of business are: Portfolio Management, Bank Outsourcing, Structured Finance, Mortgage Origination Services, Business Process Outsourcing, Regulatory Services, Real Estate Asset Management services.

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Standard Sponsors

AHORA Asset Management is an independent real estate boutique servicing company specialized in problematic residential scattered assets (NPLs and REOs). Founded in 2015, AAM has a proven track record managing over 25 portfolios and more than 9,000 residential units. Key to success is the methodology focused on internal mediation with debtors and tenants, preserving and enhancing client´s reputation and ESG principles.

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Founded in 2009 Taurus Ibérica Asset Management is one of the leading real estate managers and brokers in Spain specialized in distressed assets with a portfolio of over 200,000 assets under management. Independent and without conflict of interests we count with +120 branches nationwide, and over 450 local sales reps. We manage all asset classes nationwide including residential, industrial, commercial, land and WIP.

Our Advisory team specialized in pricing of secured assets has performed > 1.5 millon valuations since 2009. Our team of 25 analysts experts in different asset classes and regions and +450 local experts give us a unique market sentiment, which together with one of the largest real estate databases of the market and our proprietary valuation system have been helping investors price and acquire secured portfolios.

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wideStreet - The Future of NPL Trading

wideStreet overcomes limitations of the current NPL market and takes NPL trading to a new level. We are a cross-jurisdictional, multilateral marketplace for UTP and NPLs open to sellers, buyers and loan servicers.

wideStreet combines latest legal and fintech innovations and fully digitizes the trading process. wideStreet collects, validates, and enhances loan data for the sell-side providing analytics and transparency to the buy-side while ensuring compliance with the EBA loan data standards. We are providing smart solutions for regulatory-driven loan trades in the banking sector.

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Founded in 2008, Hipoges is one of the leading Asset Management platforms in Southern Europe for distressed assets with over €47 billion of assets under management. We manage a broad spectrum of assets including residential mortgages, corporate & SME loans, Commercial Real Estate, unsecured loans, government & corporate receivables, and REO portfolios.

The services are provided along the whole investment cycle from due diligence to loan servicing and legal enforcement. With offices in Spain, Portugal, Greece and Italy and more than 1600 employees, Hipoges is ranked “Above Average” as a residential mortgage special servicer and “Average” as CRE special servicer by S&P.

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Prosperty Solutions: The Next Gen Tech Enabled Solutions for Real Estate Investors & Servicers

Prosperty Solutions is a leading PropTech company in Europe that is revolutionizing the real estate industry by simplifying, streamlining, and optimizing traditional collateral and real estate management, as well as commercialization for both institutional investors and retail clients alike.

Prosperty Solutions is a game-changer in the real estate industry, harnessing the latest technological innovations and data-powered decision-making to deliver a unique, holistic approach to operations, designed to drive asset performance and maximize portfolio returns, delivering unparalleled value to our clients.

At the core of our services is Prosperty Operating System (OS), the most advanced end-to-end SaaS platform for institutional real estate portfolio management and commercialization.

Prosperty OS is a cutting-edge cloud-based white-label enterprise platform that is designed to revolutionize the way that Institutional Investors and Servicers manage their real estate portfolios. By simplifying complex tasks, enabling workflow-based collaboration among all stakeholders, embedding data, and providing a secured, centralized location for all asset data, Prosperty OS empowers investors and operators to augment their capabilities and make informed decisions quickly and efficiently.

Prosperty OS is the most comprehensive platform available in the market today, offering a suite of integrated modules with embedded data layers, offering specialized digital modules spanning from collateral management, asset management, and property management to customer relationship management (CRM), white-label commercialization marketplace, supported by advanced data analytics and visualization tools. With Prosperty OS, users can efficiently orchestrate all relevant tasks, processes, and stakeholders over a single interface across the value chain, from the collateral stage through to the REO and every step in between, from acquisition to commercialization and exit.

Prosperty OS offers Investors and Servicers a range of powerful analytical tools utilizing advanced algorithms and machine learning techniques to help manage their portfolios with greater efficiency and transparency at scale and speed. Real-time performance insights, predictive analytics, and SLA/KPI monitoring enable proactive identification of potential issues, while a unified reporting scheme provides a comprehensive overview of asset performance to make informed decisions, unlock the full value of their assets, and reduce delays and risks.

Prosperty Solutions is a well-established and trusted partner for top-tier international institutional investors, financial institutions, and advisors. Our partnerships with companies such as DoValue, Pimco, Intrum, Cepal, EOS, EY, and NBG among others, allow us to leverage our extensive expertise, cutting-edge tools, and valuable insights to help our clients optimize their portfolio performance and achieve long-term success.

To learn more about how Prosperty Solutions can help your organization, please visit our website or contact us today at

Servdebt is an independent Iberian NPL and REO Asset Management company with over 15 years of experience.

Our headquarters in Lisbon and our offices in Porto and Madrid are home to our specialized team, whose valuable know-how in the servicing of distressed debt allows us to deliver real-time information to clients, accelerate the decision-making process and maximise the value of their assets.

Servdebt offers extensive expertise in the provision of integrated services for the acquisition and management of distressed loan portfolios and real estate assets. We have been working with leading financial institutions and major international investors, providing the best NPL and REO solutions to guarantee that we deliver an end-to-end service to our clients, from market analysis and advisory services to valuation and asset recovery.

Our committed multidisciplinary team and our investment in technological infrastructures have been the key to our track record of multiple successful projects in what is considered a very challenging and rigid industry.

For the past 15 years, Servdebt has counted on a highly qualified, dynamic, friendly, and multicultural team who have continuously contributed to the company’s long-lasting success, helping us work towards the goal of being an international benchmark in loan servicing and property management, recognized for innovation and excellence in the provision of its services.

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Deloitte can assist with identifying ways to maximise value from non-core assets through deleveraging, rigorous planning and asset management. Entering the loan portfolio transactions market is a key tool in any deleveraging programme, providing a rapid source of capital raising. Furthermore, regulatory change and market pressures mean that capital optimisation is increasingly critical for financial institutions and the viability of their business models.

We advise holders, sellers and buyers of non-core assets and under performing loan portfolios in deleveraging, portfolio management and investment strategies. Working closely with financial institutions in their capital planning is also core to our business proposition.

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Legance is an independent law firm with offices in Milan, Rome, London and New York.

Founded in 2007 by a group of acclaimed partners, Legance distinguishes itself in the legal market as a point of reference for both clients and institutions.
It is no coincidence that the name Legance recalls unity and excellence, principles that were at the forefront in the foundation of the firm.

Independent, dynamic, international and institutional are the qualities that most characterise the strength of the firm and have contributed to it becoming a leader in the legal market.

In 2007 there were 84 lawyers at Legance, currently there are over 280.

The value of the group is regarded as a pillar that amplifies each individual’s qualities and skills, the constant attention to clients, the careful evaluation of business objectives and an unconventional approach capable of anticipating legal requirements, 24 hour availability have contributed to establish Legance as a recognised leader in domestic and international markets.

Due to its strong international practice Legance can support clients over several geographical areas, and can organise and coordinate multi-jurisdictional teams whenever required.

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ÜNLÜ & Co provides value-added services in the non-performing loans  market, where it has been active since 2003. The Company realizes its NPL investments via İSTANBUL Varlık, a subsidiary that has become one of the leading asset management companies in Turkey within a short time frame.

Predicating its NPL market activities on the triple pillars of efficiency, flexibility and reliability for the past 19 years, ÜNLÜ & Co produces fast, creative and effective solutions in NPL collections with its extensive staff and local know how. Steadily improving collection performance through effective management of NPL portfolios, ÜNLÜ & Co continues to support its clients with a tailored and constructive approach, with a view to channeling them back to the economy.

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GSK Stockmann is a leading independent European corporate law firm with over 250 professionals across our offices in Germany, Luxembourg and the UK.

GSK Stockmann is the law firm of choice for Real Estate and Financial Services.  In addition, we have deep-rooted expertise in key sectors including Funds, Capital Markets, Public, Mobility, Energy and Healthcare.  For international transactions and projects, we work together with selected reputable law firms abroad.  Our advice combines an economic focus with entrepreneurial foresight.  That is what is behind: Your perspective.

In Luxembourg, GSK Stockmann is the trusted adviser of leading financial institutions, asset managers, private equity houses, insurance companies, corporates and FinTech companies, with both a local and international reach.  Our lawyers advise domestic and international clients in relation to Banking & Finance, Capital Markets, Corporate/M&A and Private Equity, Investment Funds, Real Estate, Regulatory and Insurance, as well as Tax.

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Auctree is a real estate marketplace for distressed property investors. We help financial institutions transact NPL properties in the open market (NPLs, CDR’s and REOs without possession), while assisting retail investors in finding and underwriting opportunities.

We are a leading PropTech company in Europe, changing the way properties get transacted with the use of technology and AI.

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LynxCap Group specialises in the acquisition and management of non-core and non-performing assets originated by commercial banks and leasing companies. Our core activities to date have been focused on investments in distressed debt and real estate owned assets across Iberia, Central and South-Eastern Europe.  Over the years we have acquired an extensive expertise in resolving complex legal debtor-related issues associated with NPL portfolios.

LynxCap approach is based on the application of statistical methodology for unsecured portfolios and a single asset valuation methodology for secured portfolios. This allows us to evaluate and price complex distressed debt portfolios with high level of accuracy, enabling swift transactional execution.

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As the leading independent provider of risk and financial advisory solutions, Kroll leverages our unique insights, data and technology to help clients stay ahead of complex demands.

Kroll provides clients a way to build, protect and maximize value through our differentiated financial and risk advisory and intelligence. Our transaction experience and expertise earns us global recognition as leaders in valuation, corporate finance and restructuring.  We also are known for our world-class experts and solutions in corporate risk. Explore our solutions or contact an expert.

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Redwood is an end to end Special Servicer set up in 2018 which provides services to both, Banks and Investment Funds. Currently we manage c.1.8 Bn AuM (NPLs and REOs) and cover both private individual-residential assets and SME/big tickets that includes land, WIPs and commercial assets.

To date we have a proven positive track record in extrajudicial negotiations and solutions, effective judicial management and exiting or managing (including rentals) REOs to maximize value/return.

Our IT system is designed to assure the proactivity and integration between extrajudicial, judicial, property management and closing operations. Our goal is to shorten work-out period and maximize results for our clients.

Our key differences are:

  • Focus. Less assets under management per asset manager, lawyer and REO professional than the market standard
  • Performance based management. Quarterly dynamic internal incentive scheme to assure the movement of all of the assets along the value chain.
  • Staff professional experience (years) above the market standard.
  • Accountability and individual responsibility over positions managed. Individual end to end management approach. One stop shop for a debtors, clients, buyers and tenants.

Master Servicing and Corporate Services: In 2015, before becoming a Special Servicer we were Master Servicers and have ample experience in carrying out this role for asset owners in Spain covering performance monitoring, reporting, strategy enhancing and Corporate (SPVs administration) and Advisory services.

Our Management Team have a comprehensive back-ground in the Spanish, Portuguese and Greek Servicing space. The senior team joins Redwood from multiple servicing platforms and therefore we benefit from best practices and lessons learnt from other organizations.

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Incorporated back in 2007, Finsolutia is a leading Fintech Servicer in Iberia, offering Independent Loan and Real Estate Management services through innovative business processes and disruptive proprietary technology.

With offices in Madrid, Lisbon and Porto, the company employs over 300 highly qualified and experienced professionals that manage assets worth near EUR 5.0Bn.

It was the first to have been rated successfully by Standard & Poors (S&P) for five consecutive years in Spain and the only rated servicer in Portugal. Finsolutia is also a Gold Partner of Microsoft thanks to its R&D practices with MS services and products.

The company has also created specialized business units and brands such as Nolon, the real estate arm and Twinkloo, a mortgage credit broker.

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Mishcon de Reya is an independent law firm, which now employs over 1300 people with more than 630 lawyers offering a wide range of legal services to companies and individuals.

With presence in London, Oxford, Cambridge, Singapore and Hong Kong (through its association with Karas So LLP), the firm services an international community of clients and provides advice in situations where the constraints of geography often do not apply.

The work the firm undertakes is cross-border, multi-jurisdictional and complex, spanning six core practice areas: Corporate; Dispute Resolution; Employment; Innovation; Private; and Real Estate.

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We are a global analytical intelligence and software company, providing innovative data and software solutions for alternative investors.

We combine data science and technology to provide actionable insights into our clients' portfolios. Our state-of-the-art SaaS intelligence platform, Minerva, enables investors to collect, compile, analyse and better understand data to help them make important decisions and ultimately produce superior returns.

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Burford is the largest and most experienced provider of commercial legal finance in the world. We set the industry gold standard.

Burford's CEO Christopher Bogart and CIO Jonathan Molot met at a RAND conference in 2009 and discovered a shared interest in developing new ways for companies and law firms to manage the cost of high-stakes commercial disputes. As Time Warner’s former general counsel, Chris had crafted the $35 million fee paid to Cravath for its work on the AOL/Time Warner merger—then the largest corporate contingency fee in history. As a professor at the Georgetown University Law Center, Jon had investigated market solutions to address the impact of unequal financial resources on litigation outcomes.

Soon after meeting, Chris and Jon launched Burford with a modest $130 million IPO on the London Stock Exchange in October 2009.

Since then, Burford has worked with hundreds of law firms and corporations, including 91 of the world’s 100 largest law firms. Our team has grown from five people at the end of 2009 to over 140 people today, including some 55 lawyers, in offices in New York, London, Chicago, Washington, Singapore, Sydney and Hong Kong. Since September 2020, Burford has been a founding member of the International Legal Finance Association, the global voice of the commercial legal finance industry.

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Associate Sponsors

Gelecek Varlık is the leading licensed NPL investor and debt collection service provider in Turkey. The company, which was established in 2005 as a subsidiary of Fiba Group, enables financial institutions to strengthen their balance sheets and focus on core banking activities by purchasing non-performing loans.

So far, with the vision of regaining the maximum number of indebted customers to the economy, the company has resolved debt with more than 600 thousand thousand real/legal persons and currently managing a portfolio of 1.1 million customers. With its experienced management and staff, accumulated know-how in all segments form corporate to retail, prize-winner in-house developed technology solutions, the company has sustained its leadership position since its establishment in terms of total investment size, total purchased principal amount and annual collection size.

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Copernicus Servicing is an independent global platform that manages performing, non-performing loans and foreclosed assets (REOs), operating in Spain, Italy, Portugal, Peru, Greece and France.

By December 2022, Copernicus had over 250 employees and was managing more than €10bn of distressed assets.

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Cafico International: With offices in Dublin, London and Luxembourg, we support international companies and financial institutions doing business by providing them with cost-effective, tailored and independent trust and corporate services. We have been appointed corporate services provider for public transactions with listed debt on international stock exchanges with a cumulative nominal value in excess of $40 billion.

We offer a comprehensive range of services required for the establishment, operation and management of Special Purpose Vehicles. Working extensively with the financial institutions, investment managers, arrangers, investors, collateral managers, legal advisors and tax experts, we offer a seamless service tailored to meet specific requirements of each transaction to offer the best solutions for our clients’ needs. Our services include accounting and reporting, corporate governance and company secretarial, legal administration and compliance, directorship, trustee services, cash and treasury management, and regulatory reporting.

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Garnet Finance is an international FinTech holding company. Since 2009, we have been buying and collecting bad individual debts.

By professionally managing loan portfolios, we ensure the best terms for our lenders. Our FinTech products are based on the big data that we have accumulated over the years. We have helped many financial companies using a scoring system with guarantee to repurchase delinquent loans. And we have made hundreds of thousands of people more financially independent by helping them close their debts on comfortable terms.

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Quant Greece is a Fitch-rated, independent domestic NPL servicer managing approx. €15 billion across all asset classes, offering coherent debt management solutions to financial constituents and institutional investors in Greece.

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Building strong and substantial client relationships is the compass for DLA Piper's business strategy and future development. DLA Piper is one of the world's largest law firms, with offices across Asia Pacific, Africa, Europe, the Middle East and the Americas.

With a direct presence in over 40 countries, we represent clients in a broad range of geographies and practice areas. In jurisdictions where we do not have our own offices, we have DLA Piper Relationship firms or regular cooperation firms.

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The Credit Services Association (CSA) is the only national trade association in the UK for organisations active in the debt collection and purchase industry. Our membership employs nearly 11,000 people, held over £30bn of consumer debt for collection last year across over 25million accounts, and they held nearly £4bn of commercial debts in over 1.5million commercial accounts. Our members act on behalf of a large and diverse range of creditors including banks and utility companies, and comprises specialist organisations such as tracing agencies and law firms.

The CSA also belongs to the Federation of European National Collections Association (FENCA).

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Founded in 1998, UNIREC is the National Union of Companies for the Protection of Credit. It is a member of Confindustria Innovative and Technological Services and FENCA, the European Federation of National Associations of Debt Collection Companies. It brings together nearly 200 companies, accounting for over 70% of the Italian debt collection market.

UNIREC represents the guarantee of an ethical approach between creditors and consumers through its best practices, including a rigid entry selection, continuous monitoring, the adoption and compliance with a strict disciplinary code. It also promotes service excellence and professional growth through the provision of training courses.

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The Federal Association of Loan Purchase and Servicing (‘Bundesvereinigung Kreditankauf und Servicing’ or BKS) is based in Berlin and represents the interests of buyers, servicers and various other specialised investors involved in the purchase and servicing of non-performing loans (NPL) from credit originators in Germany since 2007.

Our goal is to develop market standards and best practices for the transfer, trade and management of non-performing loans. We offer several platforms that promote the exchange of ideas and experiences. We also host conferences, roundtables and training events on a regular basis and have established several working groups on specific topics. We are doing research on the German NPL market and we share our findings in printed as well as in digital publications several times a year.

At the same time, we enhance our industry’s reputation through effective self-regulation and by developing and maintaining corporate governance rules and ethical guidelines for dealing with debtors.

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Founded in 1994, ANGECO is the non-profit organisation that brings together companies whose corporate purpose is to provide collection management services for unpaid amounts, both amicably and judicially.

The most important national companies dedicated to this activity, the national subsidiaries of the large European multinationals in the sector, as well as the most expert law firms in the field are represented in ANGECO.

ANGECO represents a sector that is essential to ensure the proper functioning of the credit cycle. The fact that Spain is the only country in Europe where there is no specific regulation for this activity, implies the need for self-regulation that actively promotes good practices and ethics in all actions and this is one of ANGECO's main tasks.

ANGECO belongs to the European Federation of National Associations of Debt Recovery Companies (FENCA) and is a full member of CEOE and CEPYME.

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