Pacta Invest GmbH purchases claims from life and pension insurance policies, building savings contracts and accident insurances (with premium refund) in Germany and Austria and terminates the contracts after payment of the purchase price. It operates on the German and Austrian secondary market for life insurance and established a digital sales department in 2022 that generated positive contribution margins for the first time and is expanding the sales network. In the 2024 financial year the company recorded revenue of EUR 67,336,208.22, a decrease of 2.07% from the prior year, and a net profit of EUR 576,274.62. The company employed on average 19 staff in 2024; refinancing is provided by equity, shareholder loans and working capital lines, and the company describes its liquidity as sufficient.
Ankauf von Ansprüchen aus Bauspar- und Lebensversicherungsverträgen sowie deren Verwertung.
Converted using the official Destatis and Eurostat correspondence tables; ISIC Rev. 4 is the United Nations' international industry classification.
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Source: German Commercial Register (Handelsregister) Landshut Local Court, HRB 6405 (as of 31 October 2026)
| Name | Type | City |
|---|---|---|
| Jürgen Kraus | Geschäftsführer(in) | Altfraunhofen |
| Alois Maier | Geschäftsführer(in) | Ergoldsbach |
Source: German Commercial Register (Handelsregister) Landshut Local Court, HRB 6405 (as of 31 October 2026)
| Date | Event Type | Event |
|---|---|---|
| 11.09.2012 | Business Address Registered | Karlstr. 24, 84034 Landshut |
| 20.10.2006 | Business Purpose Update | Ankauf von Ansprüchen aus Bauspar- und Lebensversicherungsverträgen sowie deren Verwertung. |
| 20.10.2006 | Gesellschaftsvertrag amended | Gesellschaftsvertrag |
| Date | Type | Change | Total Capital |
|---|---|---|---|
| 24.06.2004 | Share Capital Set | — | 51.000 DM |
Source: German Commercial Register (Handelsregister) Landshut Local Court, HRB 6405 (as of 31 October 2026)
| Year | Revenue | Profit | Balance | Employees |
|---|---|---|---|---|
| 2024 | €67,336,208 | €577,030 | €28,947,017 | — |
| 2023 | €68,755,726 | €1,140,371 | €29,316,524 | — |
| 2022 | €58,851,060 | €1,099,616 | €34,475,051 | — |
| 2021 | €48,461,213 | €907,799 | €29,951,755 | — |
| 2020 | €40,437,300 | €556,429 | €22,480,777 | — |
| 2019 | €26,505,136 | €406,425 | €16,345,268 | — |
| 2018 | €26,069,684 | €248,405 | €18,053,420 | — |
| 2017 | Rohergebnis€2.2M2 | €325,823 | €15,389,829 | — |
| 2016 | Rohergebnis€1.8M2 | €275,050 | €14,241,185 | — |
| 2015 | — | — | €12,474,588 | — |
2 Rohergebnis nach § 276 HGB: Umsatzerlöse abzüglich Materialaufwand bzw. Herstellungskosten. Kleine und mittelgroße Kapitalgesellschaften dürfen diese Posten zusammenfassen; die Umsatzerlöse selbst sind dann nicht veröffentlicht und liegen über dem Rohergebnis.
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Source: German Commercial Register (Handelsregister) Landshut Local Court, HRB 6405 (as of 31 October 2026)
CNH Industrial Capital Europe S.A.S. Zweigniederlassung Deutschland
Köln · Kreditbanken einschließlich Zweigstellen ausländischer Banken
Schwäbisch Hall Kreditservice GmbH
Schwäbisch Hall · Bausparkassen
SIZ GmbH
Bonn · Erbringung von Beratungsleistungen auf dem Gebiet der Informationstechnologie
| Cost type | Amount | Share |
|---|---|---|
| Personnel Costs | €1,263,414 | 1.9% |
| Material Costs | €63,941,392 | 96.8% |
| Depreciation | €39,078 | 0.1% |
| Interest & Similar | €797,644 | 1.2% |
