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Collection Agencies & Credit Bureaus in Germany Industry Data and Analysis
The debt collection service provider and credit agency sector had to contend with a drop in sales during the pandemic. However, the development in the individual industry segments varied. While credit agencies recorded a sharp increase in orders in 2020 and 2021, debt collection companies suffered a decline in sales due to liquidity bottlenecks among many debtors. In 2025, turnover is expected to grow by 2.9% compared to the previous year, resulting in an expected turnover of 5.5 billion euros. Over the last five years, the industry's turnover growth has averaged 1.4% per year.
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What's included in this industry analysis
IBISWorld's research coverage on the Collection Agencies & Credit Bureaus industry in Germany includes market sizing, forecasting, data and analysis from 2015-2030. The most recent publication was released March 2025.
About this industry
What's this industry report about?
The Collection Agencies & Credit Bureaus industry in Germany operates under the WZ industry code N82.91DE. Collection agencies deal with the collection of receivables on behalf of customers in return for a fee. Credit agencies compile information on the credit behaviour of potential borrowers, among other things, in order to provide it to credit institutions and other companies that assess creditworthiness. Factoring businesses are not part of the industry. Related terms covered in the Collection Agencies & Credit Bureaus industry in Germany include believer, mandat, machine decision, title, collection costs, enforcement order, mail run and durable goods.
What's included in this industry?
Products and services covered in Collection Agencies & Credit Bureaus industry in Germany include Services of credit agencies, Recovery of debts under 10,000 euros and Recovery of debts from 10,000 euros to 24,999 euros.
What companies are included in this industry?
Companies covered in the Collection Agencies & Credit Bureaus industry in Germany include Bertelsmann SE & Co. KGaA, Verband der Vereine Creditreform e. V. and Schufa Holding AG.
Performance
What's included in the Performance chapter?
The Performance chapter covers detailed analysis, datasets, detailed current performance, sources of volatility and an outlook with forecasts for the Collection Agencies & Credit Bureaus industry in Germany.
Questions answered in this chapter include what's driving current industry performance, what influences industry volatility, how do successful businesses overcome volatility, what's driving the industry outlook. This analysis is supported with data and statistics on industry revenues, costs, profits, businesses and employees.
Products & Markets
What's included in the Products and Markets chapter?
The Products and Markets chapter covers detailed products and service segmentation and analysis of major markets for the for the Collection Agencies & Credit Bureaus industry in Germany.
Questions answered in this chapter include how are the industry's products and services performing, what are innovations in industry products and services, what products or services do successful businesses offer and what's influencing demand from the industry's markets. This includes data and statistics on industry revenues by product and service segmentation and major markets.
Geographic Breakdown
What's included in the Geographic Breakdown chapter?
The Geographic Breakdown chapter covers detailed analysis and datasets on regional performance of the Collection Agencies & Credit Bureaus industry in Germany.
Questions answered in this chapter include where are industry businesses located and how do businesses use location to their advantage. This includes data and statistics on industry revenues by location.
Competitive Forces
What's included in the Competitive Forces chapter?
The Competitive Forces chapter covers the concentration, barriers to entry and supplier and buyer profiles in the Collection Agencies & Credit Bureaus industry in Germany. This includes data and statistics on industry market share concentration, barriers to entry, substitute products and buyer & supplier power.
Questions answered in this chapter include what impacts the industry's market share concentration, how do successful businesses handle concentration, what challenges do potential industry entrants face, how can potential entrants overcome barriers to entry, what are substitutes for industry services, how do successful businesses compete with substitutes and what power do buyers and suppliers have over the industry and how do successful businesses manage buyer & supplier power.
Companies
What's included in the Companies chapter?
The Companies chapter covers Key Takeaways, Market Share and Companies in the Collection Agencies & Credit Bureaus industry in Germany. This includes data and analysis on companies operating in the industry that hold a market share greater than 5%.
Questions answered in this chapter include what companies have a meaningful market share and how each company is performing.
External Environment
What's included in the External Environment chapter?
The External Environment chapter covers Key Takeaways, External Drivers, Regulation & Policy and Assistance in the Collection Agencies & Credit Bureaus industry in Germany. This includes data and statistics on factors impacting industry revenue such as economic indicators, regulation, policy and assistance programs.
Questions answered in this chapter include what demographic and macroeconomic factors impact the industry, what regulations impact the industry, what assistance is available to this industry.
Financial Benchmarks
What's included in the Financial Benchmarks chapter?
The Financial Benchmarks chapter covers Key Takeaways, Cost Structure, Financial Ratios, Valuation Multiples and Key Ratios in the Collection Agencies & Credit Bureaus industry in Germany. This includes financial data and statistics on industry performance including key cost inputs, profitability, key financial ratios and enterprise value multiples.
Questions answered in this chapter include what trends impact industry costs and how financial ratios have changed overtime.
Industry Data
What's included in the Industry Data chapter?
The Industry Data chapter includes 10 years of historical data with 5 years of forecast data covering statistics like revenue, industry value add, establishments, enterprises, employment and wages in the Collection Agencies & Credit Bureaus industry in Germany.
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Frequently Asked Questions
What is the market size of the Collection Agencies & Credit Bureaus industry in Germany in 2026?
The market size of the Collection Agencies & Credit Bureaus industry in Germany is €5.5bn in 2026.
How many businesses are there in the Collection Agencies & Credit Bureaus industry in Germany in 2025?
There are 889 businesses in the Collection Agencies & Credit Bureaus industry in Germany, which has grown at a CAGR of 0.9 % between 2020 and 2025.
How may import tariffs affect the Collection Agencies & Credit Bureaus industry in Germany?
The Collection Agencies & Credit Bureaus industry in Germany is unlikely to be materially impacted by import tariffs with imports accounting for a low share of industry revenue.
How may export tariffs affect the Collection Agencies & Credit Bureaus industry in Germany?
The Collection Agencies & Credit Bureaus industry in Germany is unlikely to be materially impacted by export tariffs with exports accounting for a low share of industry revenue.
Has the Collection Agencies & Credit Bureaus industry in Germany grown or declined over the past 5 years?
The market size of the Collection Agencies & Credit Bureaus industry in Germany has been growing at a CAGR of 1.4 % between 2020 and 2025.
What is the forecast growth of the Collection Agencies & Credit Bureaus industry in Germany over the next 5 years?
Over the next five years, the Collection Agencies & Credit Bureaus industry in Germany is expected to grow.
What are the biggest companies in the Collection Agencies & Credit Bureaus industry in Germany?
The biggest companies operating in the Collection Agencies & Credit Bureaus industry in Germany are Bertelsmann SE & Co. KGaA, Verband der Vereine Creditreform e. V. and Schufa Holding AG
What does the Collection Agencies & Credit Bureaus industry in Germany include?
Services of credit agencies and Recovery of debts under 10,000 euros are part of the Collection Agencies & Credit Bureaus industry in Germany.
Which companies have the highest market share in the Collection Agencies & Credit Bureaus industry in Germany?
The company holding the most market share in the Collection Agencies & Credit Bureaus industry in Germany is Bertelsmann SE & Co. KGaA.
How competitive is the Collection Agencies & Credit Bureaus industry in Germany?
The level of competition is moderate and increasing in the Collection Agencies & Credit Bureaus industry in Germany.
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