GFKL Financial Services AG is a holding company with several operational subsidiaries. The Group is organized into the following business divisions:

Receivables Management division

With almost 1,300 personnel and a volume of receivables serviced amounting more than Euro 23 billion, the GFKL Group is one of Germany's leading providers of receivables management services. Having started business in this sector in 1998, the company’s services in this segment cover the trustee administration and collection of receivables with payment irregularities as well as the assessment and purchase of such receivables. Here, GFKL is active in four segments: real estate loans including the realization of securities, consumer credit, receivables from bulk business with small items, and current receivables from commerce, trade and industry. In 2004, GFKL was the first company in Germany to receive a servicer rating from Standard & Poor’s. In 2008, GFKL has been awarded the highest possible servicer rating by Standard & Poor’s. The rating “Strong, Outlook Stable” makes GFKL one of the three best-rated companies in Europe.

Software division

The products offered by the GFKL Group in this segment cover software applications for the loan and receivables management of banks and savings banks as well as basic software supporting all the important business processes in insurance companies. The product portfolio is rounded off by applications for the extrajudicial and judicial dunning procedures of major creditors and medium-sized companies, and solutions for the enforcement proceedings of public bodies.