According to a recent LinkedIn post from Hokodo, the company’s founders indicate that Hokodo is winding down after roughly eight years focused on B2B trade credit infrastructure. The post points to activity over that period including more than €500 million in financed invoices and over 100,000 business buyers served across 10 countries.
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The LinkedIn post highlights both perceived successes and shortcomings, mentioning a pan‑European embedded lending platform and lessons around focus, scaling pace, and product complexity. The message suggests that, despite Hokodo’s wind‑down, structural issues in trade credit and financial operations remain unresolved, with AI now viewed as an enabler of new approaches.
As shared in the post, the founders are redirecting their efforts into a new venture called Liquidity Lab, described as a specialist consulting firm focused on helping B2B companies transform trade credit and cash‑flow operations using AI. For investors, this shift appears to represent an end to Hokodo as a scaling fintech platform and a pivot toward an advisory and services‑led model, which typically offers different growth, capital intensity, and margin dynamics.
The development may imply limited or no further value creation from Hokodo’s original operating model, while preserving some intangible value in the founders’ domain expertise and relationships. In the broader B2B fintech space, the post underscores continuing demand for solutions that modernize trade credit and working‑capital processes, suggesting that market opportunity persists even as individual business models evolve or exit.