0TO9 - Europe's fintech builder launches in Germany

0TO9 (Zero to Nine) is a new European fintech venture builder and investor. Driven by leading minds in the scene, the model brings speed, scalability and sustainable structures to financial innovation. In Germany, the well-known serial founder Jessica Holzbach takes on the role of Partner and CEO Germany and builds up the Berlin hub.

From founding to co-building

Holzbach is a co-founder of the fintechs Penta and Pile, has acted as an angel investor and is now part of an infrastructure project that systematically supports the development of new financial companies. From capital to licensing to co-founder level support, founders will receive all key resources from day one.

Our horizon is not just the next financing round, but the next 20 years - and beyond

Jessica Holzbach, Partner and CEO 0TO9 Germany

The team behind 0TO9

0TO9 was initiated by Oliver Hildebrandt, who has already built up several fintechs, including the financing platform Gilion and the credit platform Plus 1. He is supported by an experienced founding and management team:

• Tord Topsholm (CEO), former CEO of several banks with exits to KKR.
• Jessica Holzbach (Partner & CEO Germany), two-time founder with exit experience.
• Siduri Poli (Partner & CMO), co-founder of Changers Hub, member of the supervisory board of Saminvest.
• Henrik Landgren (Board Member), former VP Analytics at Spotify, Partner at EQT Ventures.

A model for today's challenges

The model is based on Hildebrandt's experience in setting up the Plus 1 credit platform: regulation, capital requirements and market entry were major hurdles. With 0TO9, founders should be able to take this path more quickly and with less isolation.

The concept includes:

• a venture builder for the focused development of new fintechs
• a licensed credit institution that centralizes regulatory processes
• co-founder-level support that provides experience, structure and long-term commitment

Launch in Germany

The new hub at Hackescher Markt in Berlin complements the existing locations in Sweden, Norway and Finland. It offers space for up to 20 founders and plans to set up two to three new companies per quarter.

The first ventures:

• HUGO, an AI-based savings assistant.
• Plus1, a consumer lending provider from Sweden that is expanding into Germany.
• Fuels Capital, a provider of securities-backed loans.

1000 profitable fintechs in 20 years

0TO9 was founded in Sweden in 2025 by Oliver Hildebrandt. The company combines capital, compliance, technology, operational support and co-founder structures to help founders build regulated financial service providers. The aim is to establish 1,000 profitable fintechs in Europe over the next 20 years.