PLETZER-Group

The Pletzer Group is a family-owned Tyrolean company now in its second and third generation that operates across industry, real estate, and tourism. Its activities include the annual production of around 10,000 to 12,000 heat pumps, the development and leasing of commercial real estate, and the operation of six hotels.

Across its various subsidiaries, the group employs around 1,500 people and generated annual revenue of approximately EUR 250 million in 2025, with an equity ratio of 30% and an annual investment volume of around EUR 50 million.

The challenges before Nomentia: Multiple systems, little visibility

Like many diversified corporate groups, the Pletzer Group's banking landscape had grown organically over time. Before Nomentia, payment operations were therefore fragmented: a heterogeneous banking structure spanning numerous regional and smaller institutions, over 300 accounts, and a range of different e-banking systems running in parallel. Most payment processes were handled manually.

"In our old payment process, every transaction required manual approval via SMS TAN."

— Manuel Pirker, Finance / Liquidity Management, Pletzer Group

The team managed its cash positioning and short-term liquidity forecasts primarily in Excel, which in practice meant high manual effort and error-prone processes.

An additional external trigger came into play: the Multibank-Standard (MBS), an electronic banking and telebanking protocol that had dominated Austria up to that point, was set to be fully replaced by EBICS by the end of 2025. Meaning, a realignment of the technical infrastructure was on the agenda anyway, and presented the opportunity to modernize bank connectivity, payment operations, and liquidity management in one go.

The Solution: A unified platform for payments, cash positioning, and target balancing

The goal was a bank-independent, centralized solution that would standardize payment operations across the entire group, automate manual processes, and strengthen control and compliance. Key requirements included centralized user rights management, support for mobile payment approvals, and the ability to map cash pooling across individual group entities.

On the compliance side, priorities included reducing fraud risk and implementing a four-eyes principle for payment approvals within the system.

Looking further ahead, the Pletzer Group also aims to consolidate its liquidity planning and group-wide financial reporting into the tool, making the forecasting process, including budget-to-actual comparisons, simpler and more reliable.

With Nomentia, the company chose a modular platform that meets exactly these requirements without unnecessary complexity. At the same time, Nomentia's broad solution portfolio ensures the group stays flexible: additional features can be added as needed, without having to implement everything at once.

"Nomentia covers all our payment requirements, offers fair value for money, and has an innovative solution portfolio. That's what convinced us."

— Andreas Zoppoth, Head of Funding & Liquidity Management, Pletzer Group

Pletzer decided to go for a phased implementation: after signing the contract in late 2023, the group went live with the first bank in spring 2024, testing various payment types, importing bank statements, and processing the first payroll runs.

"The initial test environment, including our first user profiles, was ready within just a few weeks."

— Andreas Zoppoth, Head of Funding & Liquidity Management, Pletzer Group

Only after this initial testing phase did the team onboard the remaining banks, which extended the overall timeline somewhat. The full rollout took around 12 months in total, with coordination across the many banks and formal signing processes taking up the most time.

"Connecting the smaller, local banks was challenging. But Nomentia actively supported us and developed individual conversion solutions for each institution."

— Andreas Zoppoth, Head of Funding & Liquidity Management, Pletzer Group

The Results: More efficiency, flexibility, and security in day-to-day operations

With Nomentia, all payments now run through a single, unified system. Payment files are automatically imported from the ERP and, after two mandatory approvals in line with the four-eyes principle, are transmitted directly to the bank.

"With Nomentia, our entire payment processing across countries now runs through one system. That clearly simplifies the process and makes future expansion into new markets much easier."

— Andreas Zoppoth, Head of Funding & Liquidity Management, Pletzer Group

Clear audit trails and additional rule-based checks —such as duplicate warnings, changes to supplier IBANs, or unusual country and currency combinations— improve compliance and help identify payment risks early. 

Also the accounting team benefits noticeably: bank statements flow automatically from the banks into the ERP with suggested postings, so the team only needs to review and confirm them.

Beyond these larger structural improvements, the treasury team also mentioned the following benefits in their day-to-day work:

• Flexible dashboard: The interface is clean and fully customizable.

"In the user-friendly interface, we can quickly find transfers and adjust columns to our liking (for example, creditor/debitor information, payment references, and more)."

— Manuel Pirker, Finance / Liquidity Management, Pletzer Group

• Clear account balance overview: Various filters allow drill-downs to company, bank, and account level.

"With the clear account balance view in Nomentia, we can track payments down to the last detail and immediately see where action is needed."

— Manuel Pirker, Finance / Liquidity Management, Pletzer Group

• Simplified reporting: All overviews and drill-downs can be easily exported to Excel.

• Automated target balancing: Nomentia automatically prepares transfers based on the target balance. The team only needs to review and approve them.

• Self-service user management: Creating and modifying users and permissions is straightforward within the system.

• Responsive support: When something isn't working, the Nomentia team is quick to respond.

"Nomentia's support is really great. We often get a response the same day."

— Manuel Pirker, Finance / Liquidity Management, Pletzer Group

With Nomentia, the Pletzer Group has implemented a platform that gives the team greater control and operational freedom in payment management while laying a solid foundation for continued growth.