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    • Who we are
      • ABOUT US
        • Companies & Values
        • Leadership Team
        • Offices & Subsidiaries
        • All TXT Companies
        • A new era for TXT
      • AT A GLANCE​
        • News & Press Releases
        • Event Calendar
        • Passion for Innovation
        • Strong Partnerships
        • Committed to quality
      • YOUR GLOBAL DIGITAL ENABLER​
        • Smart Solutions​
        • Digital Advisory​
        • Software Engineering​
    • Industries & Technology
      • OUR MARKETS​ ​
        • Aerospace & Defence​
        • Industrial & Automotive​
        • Government & Public Sector​
        • Fintech
        • Telco​
      • TECHNOLOGY
        • AI & Advanced Analytics​
        • Extended Reality
        • Internet of Things
        • Cybersecurity​
        • Edge Computing (Cloud)​
        • Simulation​ & Training
        • Real–time​
        • Customer Experience​
    • Careers
      • COMPANY LIFE
        • Discover Our Mission
        • Life at TXT
      • CURRENT VACANCIES
        • All Open Vacancies
        • Opportunities for Students
    • Investors
      • INVESTORS
        • Financial News & Calendar
        • Financial Reports
        • Financial Presentations
        • Financial Analysts Coverage
        • TXT Investors' Club
        • Internal Dealing
        • Investors' FAQ
        • Shareholders’ Meeting
        • Corporate Governance
        • Share Buy Back
      • English
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      FinTech

      Financial Software for Consumer credit and NPL management

      • What We Do
      • Our Markets
      • FinTech
      • Consumer credit & NPL

        About Cheleo - a TXT company

        The solutions offered by the Cheleo Suite fit the most sophisticated requests in terms of accounting policies for the management of cash flows generated by the financing activities of financial and banking intermediaries, allowing to control the performance of each product, in real time. The Cheleo Suite is compliant with the latest regulations and since 25+ years is a trusted partner of the main players within Consumer credit & NPL markets.

        Discover More

        Italian leader for NPL &
        Consumer credit management

        Cheleo - a TXT company - is the Italian specialist in the field of design and development of products and services for the life cycle management of financing by financial and banking intermediaries: preliminary investigations, credit management and collection, disposal of credit packages, both “performing” and “non-performing”. The types of financing covered by our suite are: leasing, loans, salary-backed loans, factoring and Non Performing Loans (NPL).

        With 15+ years experinece in the financial market, Cheleo is recognised as specilized provider of software solutions for the management of the financing; We provde our customers with best-in-class solutions and technical support. Since the release of our first financial software, our goal has always been the satisfaction of our customers.

        We provide specialized solutions to meet the needs of our customers in the financial markets, leveraging on technologies and specific technical competencies to promote the access and use of information and data.
        Our mission is to create value for our customers by designing, developing and selling high-tech applications and services for the financing markets.

        Cheleo Suite:
        Our Proprietary Solution

        Best-in-class software solutions for the management of financing and Non Performing Loans (NPL), designed for financial and banking intermediaries.
        The Cheleo Suite is build on web-based software modules and offers the following solutions:

        - Joker: Foundation system
        - Ace: Leasing
        - King: Factoring
        - Queen: Salary backed loan
        - Jack: Personal loans

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        Contact Us:

        Bruno Roma

        Head of Solutions for Consumer credit & NPL management Co-Founder/Chairman of Cheleo - a TXT company

        Flavio Minari

        Head of Solutions for Consumer credit & NPL management Co-Founder/Managing Director of Cheleo - a TXT company

        Cheleo - a TXT Company
        TXT Group
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        TXT is an international IT Group, end-to-end provider of consultancy, software services and solutions, supporting the digital transformation of customers’ products and core processes. With a proprietary software portfolio and deep expertise in vertical domains, TXT operates across different markets, with a growing footprint in Aerospace, Aviation, Defense, Industrial, Government and Fintech.


        TXT is headquartered in Milan and has subsidiaries in Italy, Germany, the United Kingdom, France, Switzerland and the United States of America. The holding company TXT e-Solutions S.p.A, has been listed on the Italian Stock Exchange, STAR segment (TXT.MI), since July 2000.


        P.IVA 09768170152

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        TXT E-SOLUTIONS S.P.A.

        Via Milano 150 - 20093 Cologno Monzese (MI), Italy

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        PHONE

        + 39 02 257711

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        @ TXT e solutions 2025
        @ TXT e solutions 2025