Empowering Asset & Auto Finance Through Precision, Insight & Delivery Excellence

Harmozo Ltd is a specialist consultancy helping asset finance and mobility organisations design, build, and optimise business‑critical systems. With over a decade of experience across UK and European markets, Harmozo delivers the clarity, structure, and technical depth needed to transform complex operations into scalable, high‑performing solutions.

We combine deep Sofico Miles expertise, strong solution ownership, and hands‑on delivery leadership to help clients accelerate change, reduce risk, and unlock long‑term value.

Where complexity meets clarity, Harmozo brings harmony to your systems, processes, and delivery.

  • Over 10 years specialising in asset finance, auto finance, leasing, mobility, and financial services technology.

  • A rare blend of configuration expertise, solution design, delivery leadership, and commercial understanding.

  • Trusted during high‑pressure phases from go‑live stabilisation to large‑scale migrations.

  • Experienced in guiding developers, analysts, testers, and stakeholders toward shared outcomes.

  • From €15,000 annual savings through automation to stabilising post‑go‑live operations and supporting migrations of 20,000+ customers.

  • Clients trust Harmozo for clarity, consistency, and the ability to turn complexity into actionable solutions.