Ilavska Vuillermoz Capital

ELEMENT Insurance AG is a digital insurance provider based in Berlin, Germany, founded in 2017. The company specializes in developing white-label insurance products and operates as a direct insurer for non-life insurance, licensed by the German Federal Financial Supervisory Authority. ELEMENT's innovative technology platform focuses on the B2B2X value chain, allowing it to create customized insurance solutions for various partners, including e-commerce businesses and traditional insurers. This enables partners to market these products under their own brand. By managing the entire insurance value chain—ranging from actuarial calculations and underwriting to policy administration and claims management—ELEMENT simplifies the insurance process and enhances operational efficiency for its clients across 28 countries in Europe.

Pile is a prominent provider of treasury solutions tailored for high-growth startups in Europe. The company specializes in offering a banking platform that enables businesses to optimize their financial resources, manage multiple bank accounts from a single interface, and automate fund transfers based on specified criteria. This approach not only reduces the need for manual intervention but also enhances liquidity management and streamlines financial operations. Pile's services were designed to help startups safeguard their assets and diversify their banking solutions, allowing them to focus on their core business objectives. In July 2024, Pile's Treasury Solution was acquired by Vivid Money, marking a significant transition for its customers.

Teylor AG, founded in 2018 and based in Zurich, Switzerland, specializes in providing loans for small and medium-sized enterprises (SMEs). The company has created a streamlined online lending platform that allows applicants to receive a credit offer in under ten minutes and obtain business loans of up to €250,000 within two days. By requiring only a simple form submission, Teylor analyzes a wide range of data points to generate tailored offers quickly. The entire loan application process is conducted online, enhancing user convenience. Additionally, Teylor partners with manufacturers, brokers, and financial advisors to extend its loan offerings. Looking ahead, Teylor aims to license its proprietary processes and technologies to financial institutions, enabling them to automate their lending operations and reduce associated costs.

Grovy is a q-commerce & grocery delivery provider. Customer order via App or Web and get the order delivered within 10 minutes. The company was founded in Dec 2020 and headquartered in Frankfurt, Germany.

OptioPay GmbH, based in Berlin, Germany, specializes in payment solution software that integrates marketing with payment processing. Founded in 2014, the company allows businesses to efficiently manage payments to employees, customers, and partners through various options, including pre-paid gift cards. This innovative approach not only offers recipients flexibility and value but also transforms outgoing payments into potential revenue streams for businesses. OptioPay's platform creates a performance-based advertising channel, helping companies reduce transaction costs while providing valuable payout alternatives. With a diverse team of 50 professionals from 20 nations, OptioPay aims to redefine how individuals receive payments, ultimately establishing itself as a leading processor for corporate payouts.

Anybill is a technology company that specializes in creating solutions for digital receipts, aiming to modernize the receipt issuance process in retail environments. Their platform enables retailers to issue digital receipts through cash register integration, offering a flexible and scalable API service that caters to businesses of various sizes and industries. Anybill's technology not only serves as an eco-friendly alternative to traditional paper receipts but also transforms receipts into a digital touchpoint for customer engagement. The company's services can be seamlessly integrated as white label modules into existing merchant and banking applications or utilized as a standalone solution, enhancing the overall retail experience by providing interactive and value-added features.

9fin Limited designs and develops artificial intelligence software which offers financial data for the bond market. The company captures high yield bond data. Its solution offers search, filter, and analysis of data. 9fin Limited was founded in 2016 and is based in London, United Kingdom.

Developer of a digital open-banking platform designed to provide financial services to health professionals. The company provides an artificial intelligence-based banking platform that is integrated into the processes of medical and dental practices, allowing management, and independent controlling of revenue, cost, liquidity, tax, procurement, and medical billing in real-time, enabling health professionals to make better business decisions, it also offers a white-label solution to banks and financial service providers in healthcare, enabling doctors and dentists to make better financial decisions based on artificial intelligence through intelligent online banking.

Osterus GmbH, founded in 2019 and based in Berlin, Germany, specializes in developing data analysis software tailored for human resource departments. The company's primary offerings include a comprehensive platform for HR and an HR Intelligence solution that automates the evaluation of resumes and cover letters. By treating every element of a resume—such as education, languages, work experience, and even formatting—as data points, Osterus enables HR and operational teams to create risk profiles and identify talent globally. This innovative approach not only enhances recruitment processes but also positions Osterus to provide valuable insights across various sectors, tapping into lucrative markets related to human capital assessment and workforce data analytics.

solarisBank AG develops a banking platform. Its platform enables startups, fintechs, and established digital companies to create custom solutions for their unique financial needs. The company also provides various compliant payment services, including e-money issuing and escrow solutions; support services for account creation and maintenance, and transaction services, as well as deposit and credit business. solarisBank AG is based in Berlin, Germany.

finleap connect addresses the fragmented open banking landscape with a “full-stack” platform. It enables partners to access financial transactions, enrich the transactions with data & analytics tools, and ultimately deliver seamless digitized financial services to customers. finleap connect has the unique ability to tap into category leaders founded in the finleap ecosystem, including Solarisbank, ELEMENT and Elinvar, driving additional value to partners. The company is a regulated payment institution under the Payment Services Supervision Act (Zahlungsdiensteaufsichtsgesetz – ZAG) with offices in Berlin, Frankfurt, Hamburg, Milan, Madrid and Paris. As a business unit of finleap, finleap connect is part of the leading European fintech ecosystem, a group with 1,300 employees from more than 80 countries.

ELEMENT Insurance AG is a digital insurance provider based in Berlin, Germany, founded in 2017. The company specializes in developing white-label insurance products and operates as a direct insurer for non-life insurance, licensed by the German Federal Financial Supervisory Authority. ELEMENT's innovative technology platform focuses on the B2B2X value chain, allowing it to create customized insurance solutions for various partners, including e-commerce businesses and traditional insurers. This enables partners to market these products under their own brand. By managing the entire insurance value chain—ranging from actuarial calculations and underwriting to policy administration and claims management—ELEMENT simplifies the insurance process and enhances operational efficiency for its clients across 28 countries in Europe.

N26 offers mobile banking solutions to customers in the European Union through its subsidiary. It provides international money transfer, investment, overdraft, and cash withdrawal and deposit at stores. N26 provides mobile banking services for customers. Its mobile banking services offer online banking that include making and handling of current accounts, fixed accounts, and other banking services, letting customers manage and control their banking details via a smartphone application easily. Maximilian Tayenthal and Valentin Stalf founded Papayer in February 2013, which later became N26, with its headquarters in Berlin in Germany.

Penta Fintech Ltd. is a digital banking platform based in Berlin, Germany, specifically designed for startups and small to medium-sized enterprises (SMEs). Established in 2016, Penta aims to streamline banking processes for businesses by providing automated services such as bank account management and invoicing. The platform allows users to open a digital bank account quickly, typically within minutes, and offers cashless banking services that facilitate efficient cash flow management. With a mission to transform business banking in Europe and beyond, Penta focuses on helping its clients save time and money, thereby enhancing their overall banking experience.

Investify S.A., founded in 2015 and located in Wasserbillig, Luxembourg, operates as a digital asset management company. It specializes in providing individualized financial advice and asset management services, focusing on thematic investments that include areas such as an aging population, smart homes, technology, gold, ethical issues, and water. By offering consulting services, Investify empowers both retail and private clients with the knowledge and tools necessary to manage, monitor, and track their investment portfolios effectively.

CerbAir, founded in 2015 and based in Boulogne-Billancourt, France, specializes in airspace surveillance technology with a focus on anti-drone systems. The company offers a range of solutions tailored to different operational needs, including a permanent installation for sensitive sites, a mobile system for temporary protection, a portable solution designed for ease of transport, and a vehicle-based system for the protection of convoys. Utilizing advanced technologies such as radio frequency analysis and image recognition, CerbAir's platform enables clients to effectively monitor and secure both public and private airspace against potential drone threats. As a subsidiary of TechnoFOUNDERS SAS, CerbAir is positioned to provide state-of-the-art drone detection solutions to ensure the safety of critical locations.

CerbAir, founded in 2015 and based in Boulogne-Billancourt, France, specializes in airspace surveillance technology with a focus on anti-drone systems. The company offers a range of solutions tailored to different operational needs, including a permanent installation for sensitive sites, a mobile system for temporary protection, a portable solution designed for ease of transport, and a vehicle-based system for the protection of convoys. Utilizing advanced technologies such as radio frequency analysis and image recognition, CerbAir's platform enables clients to effectively monitor and secure both public and private airspace against potential drone threats. As a subsidiary of TechnoFOUNDERS SAS, CerbAir is positioned to provide state-of-the-art drone detection solutions to ensure the safety of critical locations.

RITA24 is a prominent European provider of localization tools designed specifically for older adults living alone. The company offers an apartment monitoring system that includes motion and door sensor devices, which facilitate real-time monitoring of the home environment. This technology enhances the sense of freedom and security for elderly individuals, allowing them to maintain independence while ensuring their safety. RITA24 operates through the 0G Sigfox network, a leading Internet of Things service provider, which enables billions of devices to connect to the Internet with minimal energy consumption.

Provider of fund management services intended to focus on fund and corporate governance. The company's services offer third-party management, regulatory and compliance, corporate secretary, strategic consulting and governance technology services, enabling clients to drive innovation and run their businesses efficiently.

VMS Luxembourg is a prominent construction company based in Luxembourg City, specializing in innovative formwork and reinforced concrete technology. The firm delivers sustainable specialized structural works for infrastructure projects, particularly excelling in challenging physical conditions. With a focus on quality and sustainability, VMS Luxembourg is well-positioned to meet the demands of complex construction environments.