FLEX Capital has acquired 3C Deutschland GmbH, a leading provider of digital claims management software in the German-speaking region. Founded in 2006, 3C has established itself as a trusted technology partner to insurance companies for whom claims processes are a critical success factor. With approximately 90 employees, the company today automates high-volume workflows for a longstanding customer base – including 20 of the top motor and property insurers in Germany and Switzerland.
End-to-end technology platform for automated claims processing
3C’s software platform digitalizes the entire claims process – from the initial submission to final settlement. Incoming information is automatically processed and intelligently routed to the appropriate partners. The solution delivers maximum transparency, significantly reduces manual effort, and shortens processing times. In practice, up to 80 percent of claims are already being handled fully automatically, without any human intervention.
Acting as a technical service provider for motor and property insurance claims, 3C developed its software in close collaboration with insurers, based on real-world processes and practical complexity. In addition to process automation, the company also offers optional fraud prevention modules based on rule-based analysis and machine learning algorithms that enable the early detection of suspicious cases.
Experienced management team leads 3C into the future
Since 2020, 3C had been part of Experian, the global data and technology company, through the acquisition of Arvato Financial Solutions’ Risk Management division. As 3C was not part of Experian’s strategic core business, an active sale process was initiated. In the course of a carve-out, FLEX Capital has now acquired the company in partnership with the existing management team. CEO Thorsten Haag and CTO and Co-Founder Uwe Mengs will remain in their operational roles and are reinvesting alongside FLEX to drive the next phase of growth.
“This is a classic carve-out opportunity, just the kind we specialize in at FLEX,” says Peter Waleczek, Managing Partner at FLEX Capital. “3C is technologically strong, culturally healthy, and our collaboration with the management team was a good fit from day one. Following the carve-out, we will jointly build the structures necessary for an independent, scalable company – particularly in finance, HR, legal and IT – and unlock the full technical potential of the platform.”
“We chose FLEX Capital with full conviction,” says Thorsten Haag, CEO of 3C. “FLEX brings deep market understanding, a clear focus on software businesses, and the capabilities to strategically shape the next stage of development for mid-sized companies. Together, we aim to expand our innovation capacity, unlock new market opportunities, and further evolve 3C as a leading platform for digital claims management.”
Growth agenda to expand market leadership in the DACH region
With FLEX Capital’s entry, 3C embarks on a new chapter marked by entrepreneurial momentum. In close partnership with the current management team, the company’s strong market position in the DACH region will be systematically expanded, and the platform will be elevated to the next stage of digital claims management – technologically, structurally, and geographically. 3C is growing profitably and sustainably, supported by long-term customer relationships and a product vision that goes well beyond the current industry standard.
A core focus lies on further platform development: alongside newly developed product lines that are already close to market launch, FLEX is investing in the enhancement of existing modules – particularly through AI-based functionality designed to reduce manual steps and drive automation even further.
This strategy is complemented by a targeted add-on growth path: 3C is set to grow not only within its core business, but also along adjacent markets – evolving into a central player within the broader digital claims ecosystem.
“With 3C, we’ve acquired a company with a compelling product and a strong leadership team,” says Christoph Jost, Managing Partner at FLEX Capital. “Together, we aim to redefine the standard for digital claims management in the DACH region and build 3C into the central platform for an entire industry.”
