{"id":5797,"date":"2025-08-12T09:12:45","date_gmt":"2025-08-12T08:12:45","guid":{"rendered":"https:\/\/carler.se\/?p=5797"},"modified":"2025-08-12T09:46:23","modified_gmt":"2025-08-12T08:46:23","slug":"5793","status":"publish","type":"post","link":"https:\/\/carler.se\/en\/5793\/","title":{"rendered":"\u00a0ANBUDSUNDERLAG- Intergiro Intl AB (publ)"},"content":{"rendered":"\n<p class=\"has-text-align-center\"><strong>Prospect <\/strong><br>&nbsp;<br><strong>for the sale of assets in the bankruptcy of<\/strong> <strong>Intergiro Intl AB (publ) <\/strong><br><strong>&nbsp;<\/strong><br><br><strong>&nbsp;<\/strong><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"378\" height=\"87\" src=\"https:\/\/carler.se\/wp-content\/uploads\/2025\/08\/image.gif\" alt=\"\" class=\"wp-image-5794\" style=\"width:333px;height:auto\"\/><\/figure>\n<\/div>\n\n\n<p class=\"has-text-align-right\">Stockholm, August 12, 2025<\/p>\n\n\n\n<p><strong>Background<\/strong><\/p>\n\n\n\n<p>Swedish company Intergiro (<em>formally \u00abIntergiro Intl AB (publ)\u00bb, reg no <\/em><em>556965-3537<\/em>), was declared bankrupt July 31, 2025 by Stockholm District Court. Attorney-at-law Nils \u00c5berg of Carler Law Firm has been appointed official receiver in the bankruptcy proceedings.<\/p>\n\n\n\n<p>Intergiro is an electronic money institution, and its operations have been conducted through a proprietary Financial Services Platform. The business has consisted of offering its customers financial services, including providing accounts, payment solutions, card issuance, and more.<\/p>\n\n\n\n<p>More detailed information about Intergiro\u2019s business can be found on the website: <em>www.intergiro.com<\/em><\/p>\n\n\n\n<p>The business was ongoing at the time of bankruptcy but was in the process of being discontinued due to the company in June losing its needed permit from the Swedish Financial Supervisory Authority.<\/p>\n\n\n\n<p>At the time of bankruptcy, the company had approximately 65 employees in Sweden, Spain, Portugal and Poland as well as number of independent contractors. The company has approximately 10&nbsp;000 client accounts that are still open.<\/p>\n\n\n\n<p>The estate hereby requests tenders for the business and assets of Intergiro according to the following description.<\/p>\n\n\n\n<p><strong>Assets<\/strong><\/p>\n\n\n\n<p>The assets offered up for sale by the bankruptcy estate are:<\/p>\n\n\n\n<p>A. The Financial Services Platform, described below<\/p>\n\n\n\n<p>B. Intergiro\u2019s transferrable IP including the below listed trademarks<\/p>\n\n\n\n<p>a.) Intergiro, EUIPO, 018140084 (EU)<br>b.) Intergiro, UKIPO, UK00918140084 (Great Britain)<br>c.) Intergiro, PRV, 551361 (Sweden)<\/p>\n\n\n\n<p><\/p>\n\n\n\n<ol style=\"list-style-type:lower-alpha\" class=\"wp-block-list\"><\/ol>\n\n\n\n<p><strong>The Financial Services Platform<\/strong><\/p>\n\n\n\n<p>Intergiro\u2019s main asset is its proprietary platform for financial services. The book value per December 2024 of the platform was approximately EUR 14,5 million for own development before depreciation.<\/p>\n\n\n\n<p>The platform has the following features and functionalities:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>card issuing<\/li>\n\n\n\n<li>card acquiring<\/li>\n\n\n\n<li>managing bank accounts<\/li>\n\n\n\n<li>bank payments<\/li>\n\n\n\n<li>bulk payments<\/li>\n\n\n\n<li>fully automated onboarding process<\/li>\n\n\n\n<li>ongoing due diligence, risk checks and dynamic limits<\/li>\n<\/ul>\n\n\n\n<p>The platform has been tested and integrated with:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>SEPA payment network<\/li>\n\n\n\n<li>SWIFT payment network<\/li>\n\n\n\n<li>CurrencyCloud (FX)<\/li>\n\n\n\n<li>Banking Circle, CentroLink (Banking)<\/li>\n\n\n\n<li>Marqueta (card issuing)<\/li>\n\n\n\n<li>Silverflow (card acquiring)<\/li>\n\n\n\n<li>SWIFTRef Sanctions database<\/li>\n<\/ul>\n\n\n\n<p>A tech overview is attached as <a href=\"https:\/\/carler.se\/wp-content\/uploads\/2025\/08\/Appendix-1_Tech-Overview.pdf\">appendix 1<\/a>. A more detailed description is readily available and can be sent if the recipient agrees to keep the information confidential (non-disclosure agreement).<\/p>\n\n\n\n<p>The estate has secured the assistance of key IT\/tech employees to keep the platform operational and facilitate a transfer, currently until the end of August.<\/p>\n\n\n\n<p><strong>Financials<\/strong><\/p>\n\n\n\n<p>According to Intergiro\u2019s books for the period of January through July of 2025, the company had total sales of SEK 85,4 million and a negative net profit of SEK 122,2 million.<\/p>\n\n\n\n<p>The company has not finalized its annual report for 2024 but in its books, it reports total sales of SEK 208 million, a negative operating profit of SEK 47,1 million and a net profit of SEK 198 834.<\/p>\n\n\n\n<p>Reported financials for the previous years are listed below.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Annual accounts (KSEK)<\/strong><strong><\/strong><\/td><td><strong>2301-2312<\/strong><strong><\/strong><\/td><td><strong>2201-2212<\/strong><strong><\/strong><\/td><td><strong>2101-2112<\/strong><strong><\/strong><\/td><\/tr><tr><td><strong>Total net operating income<\/strong><strong><\/strong><\/td><td>122,423<\/td><td>67,730<\/td><td>25,603<\/td><\/tr><tr><td><strong>Operating profit\/loss<\/strong><strong><\/strong><\/td><td>-79,590<\/td><td>-113,546<\/td><td>-81,096<\/td><\/tr><tr><td><strong>Profit\/loss after financial items<\/strong><strong><\/strong><\/td><td>-81,447<\/td><td>-120,412<\/td><td>-81,109<\/td><\/tr><tr><td><strong>Net profit\/loss<\/strong><strong><\/strong><\/td><td>-81,447<\/td><td>-120,412<\/td><td>-81,109<\/td><\/tr><tr><td><strong>Current assets<\/strong><strong><\/strong><\/td><td>754,405<\/td><td>973,445<\/td><td>534,167<\/td><\/tr><tr><td><strong>Total fixed assets<\/strong><strong><\/strong><\/td><td>104,078<\/td><td>115,659<\/td><td>108,665<\/td><\/tr><tr><td><strong>Total current liabilities<\/strong><strong><\/strong><\/td><td>769,447<\/td><td>984,286<\/td><td>548,468<\/td><\/tr><tr><td><strong>Total long-term debts<\/strong><strong><\/strong><\/td><td>0<\/td><td>0<\/td><td>0<\/td><\/tr><tr><td><strong>Untaxed reserves<\/strong><strong><\/strong><\/td><td>0<\/td><td>0<\/td><td>0<\/td><\/tr><tr><td><strong>Total equity<\/strong><strong><\/strong><\/td><td>89,035<\/td><td>104,818<\/td><td>94,364<\/td><\/tr><tr><td><strong>Total equity &amp; liabilities<\/strong><strong><\/strong><\/td><td>858,482<\/td><td>1,089,104<\/td><td>642,832<\/td><\/tr><tr><td><strong>Number of employees<\/strong><strong><\/strong><\/td><td>111<\/td><td>115<\/td><td>89<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Reservations<\/strong><\/p>\n\n\n\n<p>The bankruptcy estate sells all property \u201cas is.\u201d It is the responsibility of the purchaser to carry out the necessary inspection of the property in order to determine, for example, the scope of the property and to detect any defects or deficiencies.<\/p>\n\n\n\n<p>The bankruptcy estate makes no warranties regarding the accuracy or completeness of the information provided in this tender document or otherwise.<\/p>\n\n\n\n<p>The bankruptcy estate makes no warranties regarding the purchaser\u2019s ability to use or dispose of intellectual property rights. The use of transferred intellectual property rights is at the purchaser\u2019s own risk.<\/p>\n\n\n\n<p>The assumption of property subject to agreements, such as leases, rental agreements, or hire-purchase agreements, is subject to the approval of the counterparty in each respective agreement. No such agreements are currently known.<\/p>\n\n\n\n<p><strong>The bidding process<\/strong><strong><\/strong><\/p>\n\n\n\n<p>Interested parties are hereby invited to submit written bids, exclusive of value added tax, for the business as a whole or for parts of the business and its assets.<\/p>\n\n\n\n<p>All bids must be financed and payable immediately, and clearly state the bidder&#8217;s name and contact details.<\/p>\n\n\n\n<p>Bids must be received in writing by the bankruptcy administration, via Love Guve, at <a href=\"mailto:love.guve@carler.se\">love.guve@carler.se<\/a>, no later than 15 August 2025 at 12:00 CET.<\/p>\n\n\n\n<p>The bankruptcy estate reserves the absolute discretion to evaluate bids and to proceed with a sale during the ongoing bidding process.<\/p>\n\n\n\n<p>Inquiries regarding the Company\u2019s assets is answered by Love Guve at <a href=\"mailto:love.guve@carler.se\">love.guve@carler.se<\/a> or +46 (0)72&nbsp;601 38 12.<\/p>\n\n\n\n<p>_______________________________________<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Prospect &nbsp;for the sale of assets in the bankruptcy of Intergiro Intl AB (publ) &nbsp; &nbsp; Stockholm, August 12, 2025 Background Swedish company Intergiro (formally \u00abIntergiro Intl AB (publ)\u00bb, reg no 556965-3537), was declared bankrupt July 31, 2025 by Stockholm District Court. Attorney-at-law Nils \u00c5berg of Carler Law Firm has been appointed official receiver in [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_editorskit_title_hidden":false,"_editorskit_reading_time":0,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","footnotes":""},"categories":[23,27],"tags":[],"class_list":["post-5797","post","type-post","status-publish","format-standard","hentry","category-news-articles","category-ongoing-cases"],"acf":[],"_links":{"self":[{"href":"https:\/\/carler.se\/en\/wp-json\/wp\/v2\/posts\/5797","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/carler.se\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/carler.se\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/carler.se\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/carler.se\/en\/wp-json\/wp\/v2\/comments?post=5797"}],"version-history":[{"count":5,"href":"https:\/\/carler.se\/en\/wp-json\/wp\/v2\/posts\/5797\/revisions"}],"predecessor-version":[{"id":5822,"href":"https:\/\/carler.se\/en\/wp-json\/wp\/v2\/posts\/5797\/revisions\/5822"}],"wp:attachment":[{"href":"https:\/\/carler.se\/en\/wp-json\/wp\/v2\/media?parent=5797"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/carler.se\/en\/wp-json\/wp\/v2\/categories?post=5797"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/carler.se\/en\/wp-json\/wp\/v2\/tags?post=5797"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}