Your financial partner in retail. Central settlement, retail pay, and credit management for independent retailers across Europe.
Regulated by BaFin as a freigestelltes Kreditinstitut (ID: 10108349)
Comprehensive financial solutions tailored for independent retailers across Europe
Efficient central regulation of payments between retailers and suppliers. Streamlined invoicing, consolidated billing, and optimized cash flow across the network.
Modern payment solutions for retail businesses. Seamless in-store and online payment processing tailored to independent retailers.
Credit risk mitigation and payment guarantees for member transactions. Protection against payment defaults and insolvency risks.
Comprehensive financial controlling with detailed reporting. Real-time insights into accounts payable, receivables, and liquidity for members.
Tailored financing and liquidity solutions for retail growth. Flexible funding to support inventory, expansion, and seasonal demand.
Secure online portal for financial management. Access supplier invoices, settlement overviews, and transaction history around the clock.
Simple, transparent financial processes for retail members
Contact us to learn about membership benefits and financial services. Our team will explain how we support independent retailers.
We configure your member account and integrate you into our central settlement and finance systems.
Your purchases and sales flow through our central clearing system. We handle billing, settlement, and payment processing.
Receive regular financial reports, access your digital portal, and benefit from our experienced team's ongoing support.
Your trusted financial partner in European retail
Officially registered as a freigestelltes Kreditinstitut (BaFin-ID: 10108349, Bak Nr.: 108349). Operating under strict German financial regulations.
A strong service organization for independent retailers across Europe, with locations in Germany, the Netherlands, and France.
Deep understanding of retail across eight assortment segments. We bridge retail, industry, and service providers to meet every need.
As a registered cooperative (eG), we serve our members' interests with a partnership-based approach built on trust and reliability.
"EK's central settlement system has transformed our cash flow management. The consolidated billing saves us hours of administrative work each week."
"The credit management and del credere protection give us confidence when dealing with new suppliers. A genuine partner for our business."
"Retail Pay has modernized our checkout, both in-store and online. The integration was smooth and the support team was excellent."
"The finance and control reporting gives us real-time clarity over our accounts. Data-driven decisions are now much easier."
"Reliable, competent, and truly focused on independent retail. Being part of the EK network has strengthened our competitiveness."
"The financing solutions helped us manage seasonal inventory without cash flow stress. Flexible and tailored to retail needs."
"Joining EK/servicegroup was one of the best decisions for our business. The financial services and European network are invaluable."
Our services are designed for independent retailers who are members of the EK/servicegroup network. We support retail businesses across eight assortment segments in various countries of Europe. Contact us to learn about membership.
Central settlement is our core service where we act as an intermediary for financial transactions between retailers and suppliers. We consolidate invoices, process payments centrally, and provide efficient clearing, optimizing cash flow for all parties.
Retail Pay is our modern payment solution for retail businesses, enabling seamless in-store and online payment processing. It is tailored to the needs of independent retailers within our network.
Del credere is a form of credit protection where we guarantee payment to suppliers even if a member defaults. This service reduces payment risks and strengthens relationships within our retail network.
We are registered as a freigestelltes Kreditinstitut (exempt credit institution) under BaFin-ID 10108349 / Bak Nr. 108349. This status allows us to provide specific financial services to our retail members while operating under German financial regulatory oversight.
Contact us to learn more about our retail financial services
Elpke 109
33605 Bielefeld
Deutschland
ID: 10108349
Bak Nr.: 108349