Oskar Hartmann is one of Europe's most prolific serial entrepreneurs and early-stage investors — a man who launched his first company on the day Lehman Brothers collapsed, co-founded over 20 companies while running a 1,500-person business, broke two world records in indoor rowing after a near-total physical breakdown, and then built a 17-city stand-up comedy tour just to get something out of his system. He's the founder of Accumulator, a SEC-regulated share-pooling fund designed to help unicorn founders diversify their wealth — now holding $500M in approved assets from 65 member companies including Monzo, Discord, and Etoro. In this conversation with host Roman, Oskar shares the unvarnished truth behind building in chaos: the €500K personal liability that triggered a decade of parallel company-building, the hospital stay that broke his nervous system, the philosophy of 'alternating' beast mode and recovery, and the concept of 'mini lives' — how he approaches each chapter of his personal life with the same focused intensity he brings to business.

Topics Discussed

• From fitness belts to Pro Fitness Shop: how Oskar built his first internet business at 18 in Germany
• What AI-powered research reveals about the 10,000 people who've built billion-dollar companies — and why 'you have to be abnormal'
• How to read a founder in the wild: the warehouse CEO, the nightclub closer, the street fight walker
• Launching KupiVIP on the day of the Lehman Brothers collapse — and the courier company that stole all the revenue
• The true story behind building 20 parallel companies: a €500K personal liability and a desperate need for $1M in safety
• 2013: the year everything collapsed — bankruptcies, hospital, nervous system shutdown
• The alternating framework: seasonal beast mode, recovery weeks, and what decathlon athletes can teach entrepreneurs about balance
• Mini lives: how Oskar used 18-month focused sprints to break world rowing records and complete a 17-city stand-up tour
• The Accumulator Fund: share pooling, adverse selection, and why 75% of founder outcomes are outside their control
• What founders need differently in the AI era: speed, noise-muting, and trillion-dollar ambition

Marc-Alexander Christ, co-founder at SumUp, pulls back the curtain on how a five-founder startup launched simultaneously in Dublin, Berlin, and Bulgaria in 2012 and grew into one of Europe's most formidable fintech companies — serving 4 million merchants across 36 countries at an approximately €8 billion valuation. From the early mistake of hiring 100 salespeople before achieving product-market fit, to the iron discipline of a 12-month payback period that governs every growth decision, to a planned proprietary stablecoin - Marc delivers a rare, unfiltered account of what it actually takes to build payments infrastructure at global scale for small merchants who were almost entirely underserved before SumUp existed.

• SumUp's unusual origin: 5 co-founders, 3 launch locations simultaneously — Dublin, Berlin, and Bulgaria
• The original merchant super-app vision and why early investors said it was too big to build
• Why payment is the single universal common denominator across every small merchant business type
• The €10/month per merchant revenue problem and why human field sales was a structural impossibility
• Facebook as the winning early acquisition channel — the discovery of a 9-month payback period that worked
• The 12-month payback period rule and the math behind why incremental CAC breaks responsible growth
• SumUp's three business lines: Get Paid (card acceptance), Run My Business (POS/software), SumUp Card Account (banking)
• Self-setup, zero human labor onboarding — marginal cost of adding a new merchant approaches zero
• Tap-on-phone: 30% of new merchant acquisition, SumUp as European market leader
• M&A strategy: 10+ acquisitions, lessons from Tiller (CRM fragmentation failure) vs. Payleven (48-hour integration success)
• The "run all distances" philosophy — competing horizontally across verticals rather than owning one like Toast
• SumUp Edge: AI co-pilot for small merchants with competitive pricing intelligence and seasonal recommendations
• Building a proprietary stablecoin to reduce payment settlement from 24-48 hours to instant
• Why acquiring AI companies makes no sense right now — but deploying AI everywhere internally does
• Consumer products: SumUp Pay (neobank card and account) and SumUp loyalty aggregator
• Marketing evolution: performance-first → retail (14,000 stores) → 3,400 integration partners → direct and field sales

In this episode of ICONS, host Roman Kirsch sits down with Tushar Ahluwalia, Co-Founder of Razor Group, to unpack one of the most complex entrepreneurial journeys in e-commerce. Tushar's career spans three continents and three ventures: building India's first major D2C fashion brand (SBL) that reached 100 crores in revenue, creating Razor Group into a $700 million revenue aggregator that acquired 300+ Amazon businesses, and now launching ADA AI to solve supply chain complexity with artificial intelligence. This conversation reveals the operational playbooks, capital strategy, and leadership principles behind building at massive scale—plus the hard-earned lessons from navigating board dynamics, capital stack challenges, and market timing.

• Building and scaling D2C brands in emerging markets with limited infrastructure
• Navigating complex board relationships and investor dynamics as a first-time founder
• Timing market opportunities and surviving when assumptions change
• The FBA aggregator model: capital structure, underwriting assumptions, and what actually happened
• Operationalizing extreme complexity: integrating 300 businesses, 500 suppliers, and 5,000 SKUs
• Multi-founder team structures and why trust matters more than pure skill
• Post-COVID market correction and strategic consolidation through M&A
• Building AI-powered supply chain automation for enterprise
• The "human glue" problem in global supply chains and how AI can solve it

In this episode of ICONS, host Roman Kirsch interviews Heini Zachariassen, founder of Vivino and current chairman of the board, who is now building Vota (vota.org), a quality rating system for restaurants. Growing up on the remote Faroe Islands (population 50,000) between Norway and Iceland, Heini developed the entrepreneurial belief that you can walk to parliament and knock on the prime minister's door to create change. This island mindset shaped his approach to building global businesses. Despite knowing nothing about wine, Heini transformed his intimidation at wine store "walls of wine" into the world's largest wine database with over 15 million wines and over 70 million users. Starting as a simple wine scanning app competing against 600 other wine apps, Vivino succeeded by focusing relentlessly on match rate over aesthetics, achieving 70-80% word-of-mouth growth with near-zero marketing spend and reaching a billion-dollar valuation during the 2021 boom. Through surviving the COVID boom-bust cycle and transitioning from community to marketplace, Heini shares hard-won lessons about founder-market fit, data moats, and building sustainable consumer businesses in competitive markets. Today, he remains connected to his Faroe Islands roots, regularly visiting home where they now boast a two-star Michelin restaurant while he builds a whiskey distillery to help diversify the local economy beyond fishing.

• Transforming personal pain points into scalable consumer products

• Building community-driven marketplaces with authentic user engagement

• Surviving boom-bust cycles and venture capital market volatility

• Creating defensible data moats in competitive consumer categories

• Scaling from product-market fit to marketplace monetization

• Managing founder transitions and maintaining company culture

• Leveraging AI and emerging technologies in established product categories

In this episode of ICONS, host Roman Kirsch interviews Barbara Martin Coppola, one of the most accomplished global marketing and digital transformation executives of our time. Barbara shares her playbook for scaling iconic brands globally, having led transformations at Samsung Korea, Google/YouTube, IKEA, and Decathlon. Her unique perspective comes from successfully navigating vastly different corporate cultures while maintaining brand consistency and driving exponential growth. From turning IKEA from a digital skeptic into a €12 billion e-commerce powerhouse to scaling YouTube's global expansion through localized community building, Barbara reveals the tactical frameworks that work across cultures and industries.

• Building consensus-driven execution across different corporate cultures

• Scaling global brands while maintaining local relevance and authenticity

• Leading digital transformations in traditional retail environments

• Creating viral growth through community-driven content strategies

• Managing stakeholder alignment during major organizational changes

• Balancing centralized brand control with local market adaptation

• Converting offline brand experiences into digital touchpoints

In this episode of ICONS, host Roman Kirsch interviews Luca Ferrari and Matteo Danieli, founders of Bending Spoons. Operating from Milan, Bending Spoons has evolved from a failed startup into Europe's most sophisticated digital acquisition platform, acquiring and improving dozens of businesses worth over $1.2 billion in revenue. From their first $10,000 acquisition to writing $500 million checks, the founders share how they built a unique culture-driven approach to scaling tech businesses through strategic acquisitions, proprietary technology platforms, and an unconventional talent strategy focused entirely on developing young graduates into business leaders.

• Building a serial acquisition platform from startup failure to billion-dollar scale

• Creating a culture where talent allocation drives competitive advantage

• Developing proprietary technology platforms that enable massive operational leverage

• Strategic decision-making around geographic expansion and market positioning

• Managing risk and capital allocation across dozens of acquired businesses

• Scaling from consumer mobile apps to enterprise software worth hundreds of millions

In this episode of ICONS, host Roman Kirsch interviews Eric Wahlforss, founder of SoundCloud and Dance. From building one of the world's most influential music platforms to revolutionizing urban mobility through e-bike subscriptions, Eric shares how he's created two category-defining brands across completely different industries. His journey reveals the power of product-first thinking, authentic community building, and leveraging network effects to scale from zero to millions of users. Through SoundCloud's transformation from a simple sharing tool to a cultural phenomenon that launched entire music genres, and Dance's approach to turning mobility hardware into a beloved subscription service, Eric demonstrates how great brands emerge from solving real user pain points with obsessive attention to product quality and customer feedback.

• Building viral growth loops through product utility rather than marketing spend
• Creating authentic communities around creator expression and lifestyle products
• Scaling network effects from single-player utility to multi-sided platforms
• Leveraging early adopters and influencers as authentic brand ambassadors
• Transforming traditional product categories into subscription services
• Managing complex supply chains and city-by-city expansion challenges
• Converting user pain points into moments of delight through service excellence

In this episode of ICONS, Roman Kirsch interviews Charlie Bowes-Lyon, Co-founder and CMO of Wild, the refillable deodorant brand recently acquired by Unilever. Starting with a mission to remove single-use plastic from the bathroom, Wild transformed a £5 million UK natural deodorant market into a global sustainable brand worth hundreds of millions. By rejecting the traditional "eco-aesthetic" and instead creating colorful, lifestyle-focused products, Wild made sustainability approachable for mainstream consumers. Their journey from launch during COVID lockdowns to a major Unilever acquisition demonstrates how purpose-driven products can achieve commercial success when product quality and brand experience take priority over sustainability messaging.

• Creating a sustainable brand that appeals to mainstream consumers beyond eco-conscious audiences
• Developing a refillable deodorant product that's environmentally-friendly without compromising on quality
• Executing a multi-channel, multi-geography marketing strategy to reduce dependency risks
• Using limited edition scents and case designs to drive both acquisition and retention
• Building a community-driven product development process
• Navigating retail expansion both domestically and internationally
• Managing the acquisition process with Unilever while maintaining brand integrity