tilbago
Swiss cloud platform that lets creditors run statutory debt enforcement proceedings themselves, with AI advisers versed in Swiss enforcement law. It also digitises and monetises certificates of loss, and bills a flat fee per case instead of a subscription.
What is tilbago?
tilbago is a Swiss cloud platform for legal debt recovery - that is, enforcement proceedings under the Swiss Federal Act on Debt Enforcement and Bankruptcy (SchKG/LP) - with an AI layer the publisher presents as the fourth generation of the product, released in 2025. The positioning is deliberately do-it-yourself: the creditor stays the creditor in front of the debtor, tilbago never appears in that relationship and never buys the claim.
At the core sits a SchKG knowledge graph, a semantic base built on the i-views Smart Data Engine from Empolis Information Management GmbH. Several named components divide the work on top of it. The Legal Advisor holds the enforcement law itself: the procedure, the statutory deadlines and which enforcement office is competent. The Decision Advisor identifies the most effective measure at each point of the process. Recovery Intelligence produces case-level analyses, recommendations and forecasts, backed by a Predictive Engine that anticipates how a case should unfold and flags deviations. TiLL is a conversational assistant answering case-specific questions in a way the publisher describes as compliant with the SchKG.
A second axis targets certificates of loss (Verlustscheine). The Verlustschein-Digitizer brings paper archives back in by scanning PDFs and recognising the data, with an Excel import as the alternative, and the Verlustschein-Analyzer then evaluates continuously when each certificate is worth acting on. Daily debtor monitoring and permanent address checking run underneath both axes.
Nothing is installed. The service is reached through a browser, hosted at PostFinance AG in Switzerland, with encrypted access and two-factor authentication. The home page advertises 7x24h monitoring, 99.9% address quality and a hit rate above 90% for Recovery Intelligence, and the publisher claims to be the first cloud enforcement solution to integrate the Swiss eBill/E-Rechnung standard. Payment references follow the QR and SCOR formats of ISO 20022, and an easyAPI REST web service opens the platform to custom integrations alongside ready-made connectors for the ERP systems common in Switzerland.
The scope is national by construction. The publisher sizes the market it addresses at roughly 2.8 million enforcement proceedings a year in Switzerland, and in August 2026 announced a next step described as a solution with Agentic AI at its core.
What it does
- Run a Swiss debt enforcement proceeding end to end online, with the statutory deadlines tracked by the Legal Advisor
- Receive case-by-case recommendations and forecasts from the Decision Advisor and Recovery Intelligence
- Digitise a stock of certificates of loss by scanning PDFs, or import them from an Excel file
- Monetise certificates of loss at the moment the Verlustschein-Analyzer judges optimal
- Monitor the financial situation of debtors daily and be alerted when it changes
- Obtain debtors' new addresses automatically through permanent address checking
- Ask TiLL, the conversational AI assistant that answers case-specific questions in line with Swiss enforcement law
When to use tilbago / When not to
A quick filter to help you decide if tilbago is the right fit.
When to use tilbago
- Swiss public administrations - municipalities, cities and cantons - that handle a recurring caseload of enforcement proceedings in-house
- Hospitals and clinics that recover unpaid patient invoices under their own name rather than through an agency
- Financial services, energy, retail, property management and real-estate companies with a steady flow of unpaid Swiss receivables
- Law firms and courts that need enforcement deadlines and office jurisdictions applied to the letter
- Creditors sitting on a stock of old certificates of loss (Verlustscheine) they would like to digitise and turn back into cash
When not to use tilbago
- Creditors pursuing debts outside Switzerland: the platform implements Swiss enforcement law and files with the Swiss enforcement offices over SEDEX/eSchKG
- Anyone looking to hand recovery over to a third party: the publisher states it is not a collection agency and never appears in front of the debtor
- Companies that want to sell or assign their receivables: the claim stays with the creditor and everything recovered goes to them
- Teams focused on amicable, pre-legal dunning: the product covers the judicial enforcement stage of the process
- One-off users with a single case to file, and anyone who needs a mobile app: cases are bought in packages and there is no iOS or Android application
How to use tilbago
A typical end-to-end flow, from setup to results.
- Book a live demonstration through the booking form if you want a guided tour before committing
- Create an account online: there is nothing to install, the solution runs in a web browser
- Set up two-factor authentication, which the publisher compares to e-banking log-in
- Use the free enforcement proceeding offered at registration to test the workflow
- Buy a package of cases; the balance (Guthaben) can be topped up, and other means of payment are available on request
- Load your files: web form, Excel template, PDF scan of certificates of loss, or an interface with your existing invoicing system
- Let the Legal & Decision Advisor guide each step and keep watch over the statutory deadlines
- Act on the daily debtor monitoring, the address updates and the alerts they generate
- Use Recovery Intelligence and the Verlustschein-Analyzer to decide when and how to push a case further
- Download closed cases for local archiving - ongoing cases stay archived and restorable - with the Service Desk reachable from the moment you start
Pros & Cons
Pros
- Real legal depth: the engine knows the SchKG, its deadlines and the competent enforcement offices, which a generic collections tool does not
- Data hosted in Switzerland at PostFinance AG, with encrypted access and two-factor authentication
- ISO/IEC 27001:2022 certification issued by SQS to the publisher itself, not merely to its hosting provider
- Public per-case price list with no subscription and no software investment, and purchased cases that never expire
- One free enforcement proceeding at registration, so the workflow can be tried before a package is bought
- Documented connectors for the ERP and business software commonly used in Switzerland, plus a REST web service for custom work
- Established publisher: ten years of activity, an interface in German, French and Italian, numerous public references in the public and hospital sectors, and PostFinance as both minority shareholder and host
Cons
- Strictly Swiss scope: the product is unusable outside the SchKG system
- No public general terms for the enforcement platform - the only terms published on the site cover the sister product tilbago credrep
- No data processing agreement and no subprocessor list published for the platform
- The published privacy policy covers the marketing website only and says nothing about the data processed inside the application
- GDPR compliance is never claimed - the framework is Swiss data protection law - and no position is published on whether customer data is used to train models, nor any opt-out
- High entry price per case at low volume, CHF 40.00 for a package of five against CHF 26.00 at 5,000, with no published price for public administrations, associations or volumes above 5,000 cases
- No mobile app, no public documentation for the announced easyAPI, no official social account referenced on the site, and a '4.5 out of over 500 reviews' claim on the home page with no review platform named to support it
Pricing & Plans
There is no free plan. Access is sold as a one-off flat fee per case, purchased in packages and quoted excluding VAT, the lowest published price point being CHF 40.00 per case for a package of five. The per-case price decreases as volume rises, down to CHF 26.00 per case for 5,000 cases; beyond that threshold, and for public administrations and professional associations, pricing is provided on request. One enforcement proceeding is offered free of charge on registration, and purchased cases remain valid without time limit. The fees charged by the Swiss enforcement offices themselves are external and are not included.
- CHF 40.00 per case
- excl. VAT
- CHF 36.00 per case
- excl. VAT
- CHF 33.00 per case
- excl. VAT
- CHF 31.00 per case
- excl. VAT
- CHF 29.00 per case
- excl. VAT
- CHF 26.00 per case
- excl. VAT
- on request
- on request
- priced on the total case volume of the canton
- preferential rates on request
- Individual offers available for larger packages of cases
Data, GDPR & hosting
A consolidated view of how tilbago handles your data.
GDPR overview
tilbago never claims GDPR compliance. Its privacy policy is built on the Swiss Federal Act on Data Protection (DSG), citing art. 5 let. j, 6, 25 ff., 26 and 32, and the GDPR appears only once - to qualify third-country transfers by Google and YouTube under the EU-US Data Privacy Framework (art. 45 GDPR). Under the Swiss framework the policy grants access (art. 25 ff.), rectification (art. 32 para. 1), objection, erasure and data portability as far as technically feasible, subject to the reservation of art. 26 para. 1 let. b. A cookie banner separates strictly necessary from third-party cookies, the latter being deactivable. No representative under GDPR art. 27 is designated, no data protection officer is named - info@tilbago.ch is the only published address - and no data processing agreement is published or offered anywhere on the site.
Who owns the data?
The published privacy policy names tilbago AG, Fluhmattweg 4, 6004 Luzern (info@tilbago.ch), as the controller, and it is written under Swiss data protection law (DSG art. 5, 6, 25 ff., 26 and 32) rather than the GDPR. That policy covers the public website only: no equivalent document is published for the data processed inside the enforcement platform. For the website, it allows disclosure to debt collection service providers, to authorities and enforcement offices, and to anyone legally entitled to the data. On the business side the position is explicit: claims remain the property of the creditor, everything recovered goes to them, ongoing cases stay archived and restorable, and closed cases can be downloaded for local archiving.
Reuse rights
What the publisher actually documents concerns visitors to the website, not the case data handled inside the platform. Technical data and log files are kept for three months at most. Forms cover orders, contact requests and newsletter sign-ups, and the site runs Google Analytics with IP anonymisation, Google Ads, Tag Manager, Fonts, reCaptcha, Gstatic and embedded YouTube (Google Ireland, with US transfers under the EU-US Data Privacy Framework). Data may be passed on to debt collection service providers, to authorities and enforcement offices, and to persons legally entitled to receive it; the exchanges with the enforcement offices themselves travel over SEDEX, the Swiss Federal Statistical Office channel required by the eSchKG standard. On the customer side, you keep control of your own material: the claim is never assigned, all amounts recovered go to you, ongoing cases can be restored and closed cases can be downloaded for local archiving. What is missing is a public contract for the platform, so no published terms state what you may or may not do with the data you take out of it. And nowhere on the site is model training mentioned: the subject is never addressed, in either direction.
Data retention & training
Hosting summary
The enforcement platform is hosted by PostFinance AG in Switzerland. The publisher's FAQ is explicit: the solution is hosted by PostFinance, the data stays in Switzerland and is protected in the PostFinance data centre, with encrypted access and two-factor authentication the publisher compares to e-banking. Exchanges with the enforcement offices travel over SEDEX, the secure data exchange channel operated by the Swiss Federal Statistical Office. The information security management system is certified ISO/IEC 27001:2022 by SQS under registration 46593, valid from 28.07.2024 to 27.07.2027; the certificate is issued to Tilbago AG itself, and its scope is worded as the cloud service platform including robo-collection with the Legal & Decision Advisor and the Service Desk. One distinction is worth keeping in mind: the marketing website tilbago.ch is hosted separately at Hostpoint AG in Zurich (IP 217.26.53.32), which is not where the case data lives. No broader hosting region is declared, and no other country of hosting is mentioned anywhere on the site.
Where tilbago works
Country-level availability.
Available in
Not available in
Things to keep in mind
Risks and trade-offs to weigh before adopting tilbago.
- Automated legal guidance invites over-trust. The Legal Advisor covers Swiss enforcement law, but a proceeding remains a legal act with real consequences for a real person, and no software carries responsibility for it
- Recovery Intelligence produces recommendations and forecasts. Acting on a score without reading the case turns a statistical likelihood into a decision no human ever examined
- Making enforcement cheap and frictionless makes it easy to file more of it. The human cost of a proceeding falls on people who are often already in difficulty, and volume pricing quietly rewards escalation
- Debtor data - daily financial monitoring, permanent address tracking - is sensitive by nature, and the publisher has published neither general terms nor a data processing agreement nor a subprocessor list for the platform
- The privacy policy online covers the marketing website only. Anyone reading it as the platform's policy is reading the wrong document
- Three offers are sold on the same site and the only published general terms belong to the sister product credrep. The application itself runs on tilbago.postfinance.ch, a third-party domain, and PostFinance holds three roles at once: host, minority shareholder and reference customer
- Trust signals worth checking: the home page advertises '4.5 out of over 500 reviews' without naming any review platform, and the company was entered in the commercial register on 11/04/2016 as DigiCollect AG before being renamed Tilbago AG five months later - same registration number and address, but the registered name does not match the brand
Setup & Integrations
Technical difficulty
Low for the standard route: you register online, there is nothing to install, and the solution runs in a browser. Files can be loaded from a simple Excel template, or from PDF scans of certificates of loss through the Digitizer. Two-factor authentication has to be set up on the user side. The effort rises only if you connect an existing system: ready-made connectors exist for SAP, Abacus, Dialog, Microsoft, om Police and om Bussen and HISoft, each involving work on the third-party vendor's side, and the easyAPI REST service has no public documentation - integration starts with a request form.
Deployment
Integrations
Supported languages
Behind tilbago
Fundraising
Resources
All the official URLs gathered for verification and reference.
Frequently asked questions
Is tilbago a new debt collection agency?
Who appears as the creditor towards the debtor?
Do I have to assign my claim?
What does an enforcement proceeding cost?
Are there any other usage fees?
Where is my data stored, and how is it protected?
Is my data backed up?
Do I have to install any software?
Is there an API?
Which languages and which countries are covered?
Should you pick tilbago?
tilbago makes no attempt to be universal, and that is its main quality. The product does one thing: Swiss enforcement proceedings under the SchKG, plus the recovery of certificates of loss. Within that perimeter the AI layer is more than a veneer - a semantic knowledge graph of the enforcement law, advisors that read deadlines and office competences, daily debtor monitoring and case-level forecasting all rest on the same base - and the publisher stays consistent about what it is not: not a collection agency, it never buys the claim and never appears in front of the debtor.
Security is documented rather than merely asserted. The ISO/IEC 27001:2022 certificate is issued to the publisher itself and not to its host, and the platform runs at PostFinance in Switzerland behind two-factor authentication. Pricing is unusually transparent for software of this kind: a published per-case scale from CHF 40.00 down to CHF 26.00, cases that never expire, one free proceeding to try the workflow, and negotiated tiers for public bodies, associations and large volumes.
The weak point is contractual paperwork. No general terms are published for the enforcement platform - the only ones online belong to the sister product credrep - and there is no data processing agreement, no subprocessor list and no published position on whether customer data feeds model training. The privacy policy covers the marketing website alone. For a tool handling debtor data on behalf of hospitals and public administrations, those documents matter, and they live behind the login.
The verdict is therefore a credible, well-anchored choice for any Swiss creditor with a recurring caseload, on the condition that the contractual and data-processing documents are requested and read before signing.
- Choosing a selection results in a full page refresh.
- Opens in a new window.