RealRate GmbH

Cecilienstr. 14

D-12307 Berlin


Mail: holger.bartel@realrate.de
Phone: +49 160 957 90 844

Dr. Holger Bartel,

Harald Bartel,
Marketing, Technik

Schwerpunkte von Holger Bartel sind Risikomanagement und Finanzmarktanalyse. Er war Verantwortlicher Aktuar eines Lebensversicherers, Sachversicherers und einer Pensionskasse, sowie Gründer von Fintech-Startups. Ausbildung: Promotion in Statistik, Dipl.-Volkswirt, Dipl.-Handelslehrer, Aktuar (DAV).

Harald Bartel ist Gründer von Prozentor und Adspert, einem Online-Marketing-Unternehmen, wo er als CTO tätig ist.

Harald bringt seine Expertise über Marketing und Technik ein.


Prof. Dr. Mirko Kraft


Professor für Versicherungsbetriebslehre und Wirtschaftswissenschaft an der Hochschule Coburg.
Lehr- und Forschungsgebiete: Controlling und Risikomanagement, Versicherungsaufsicht (Solvency II), Kostenrechnung und Digitalisierung.


RealRate elected as one of most promising German AI startups


March 2020: RealRate is chosen to be one of the most promising German AI startups. RealRate is one out of eight companies in the category 'Finance and Insurance.'


The Initiative for Applied Artificial Intelligence created the AI Startup Landscape 2020. It comprises the 247 most promising German AI startups working across enterprise functions, enterprise intelligence, AI tech stack and industries. appliedAI is an initiative to accelerate the adoption of artificial intelligence in industry as well as society.
The full landscape can be found here: https://www.appliedai.de/hub/2020-ai-german-startup-landscape.

RealRate AI software winner of PyTorch AI Hackathon


October 2020: We are very happy to announce that the RealRate AI software was announced a winner of the PyTorch Summer Hackathon 2020 in the Responsible AI category! This is quite an honor given that more than 2500 teams submitted their projects!


The RealRate software is a tool for Explainable AI (XAI). We explain causality and ensure fair and unbiased treatment. We aim to re-invent the ratings market using AI, interpretability and avoiding any conflict of interest.



Most Innovative Fully-Transparent AI Financial Ratings Provider 2020


October 2020: RealRate was announced "Most Innovative Fully-Transparent AI Financial Ratings Provider 2020". This title was awarded by EU Business News. We are grateful for our innovative approach being widely acknowledged.


For more information please refer to the press release


and the article featured in EU Business News



RealRate at AI Unicorn Battle Europe
October 2020: Dr. Holger Bartel, CEO RealRate, was invited to the European Unicorn Battle of startups using Artificial Intelligence. Holger explained how RealRate uses AI and answered investors' questions on the business model.

Startupbootcamp selects RealRate for their Fintech Accelerator


November 2020: Startupbootcamp Fintech Amsterdam, the first publicly-listed accelerator in the world, selected RealRate for their accelerator program 2021.


We are proud to be selected by one of the worlds largest startup programs. Focus will be on scaling-up. We are looking forward to profiting from Startupbootcamps global network.

Pitch Deck


Investors please find a short pitch deck here:

Pitch RealRate
A short overview over RealRates business model.
Pitch RealRate.pdf
PDF-Dokument [548.8 KB]