Europa Factor SpA is a supervised financial intermediary authorized by the Bank of Italy (Article 106). With its strong management of twenty years of experience, it is the leader in Italy in the purchase and management of low and npl credits of the main market realities such as Utilities and Telco. It also ranks at the top for management in the Banking and Financial sector, representing the strategic partner for the management of problem loans. Europa Factor boasts a track-record of over 8 billion of credits processed, € 3.7 billion of NPLs purchased for over 7.4 million positions; in 2020 Europa Factor managed € 4.6 billion (€ 2.6 billion owned and € 2 billion managed on behalf of third parties). The network has always stood out for the high attention paid not only to customers, but also and above all to the social responsibility of the professional context in which it operates. The constant commitment to training and professional growth 1,400 between Phone, Home and Legal Collector, has allowed the creation of cohesive, satisfied and productive resources. Europa Factor is present in the area with a 'proprietary' tax collection network of 70 home officials. The joint venture Credit Factor, a financial intermediary dedicated to the purchase of NPE unsecured small tickets in the banking and financial market, was born in 2018 from the partnership with IBL Banca. Credit Factor, from the start of operations to today, has purchased € 577 million of credits; management and recovery activities are entrusted to Europa Factor. Our mission concerns the system of values, corporate governance constantly aimed at spreading and strengthening our brand and the provision of "certified" services, external relations and social protection. The particular attention to safeguarding the customers' brand, together with the trend of the results achieved, projects Europa Factor among the first places on the national scene of companies in the field of loans.