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About us

Axactor helps companies, banks, financial institutions and people with debt management. We entered the industry with smart digital solutions and soon became one of the top 10 debt management providers in Europe. But that was just the beginning.

What we are

Axactor is a Nordic-based, next-generation debt management company, with operations in six European countries. We have a track record of solid growth and a strong financial position. We are always looking for new opportunities to grow within new and existing markets. Founded in 2015, we have rapidly risen to become one of the top 10 providers in Europe and our ambitions are high. We are committed to find sustainable solutions for our customers and debtors and work hard to deliver high quality.

What we want to be

At Axactor, we are convinced that the collection business plays an important role in society. We help people in a difficult financial situation take steps toward a better one, but first and foremost, we help hard-working companies get paid.

In an industry that is perceived by many as rigid and slow, we want to be experienced as accessible and energetic. We believe in strong expertise and understanding of what our customers deliver. Our goal is to be at the forefront of development, embracing smart systems and digital tools.

What we do

As a challenger in the collection industry, we made our entrance providing innovative, cost-efficient and smart solutions within IT and operations. Solutions that we believe will revolutionize the industry. We are always developing new technology, IT-structure and digital solutions. For example, we have a technological platform specifically designed for scaling up our next-generation debt management business. We are not stuck in the old ways of working, we are building a lean and efficient organisation, fit for the future.

What we’ve done

We have acquired large portfolios from some of the most reputable European and Nordic banks, and are winning significant contracts with well-known financial institutions. Our focus has been on the market of unsecured Business to Consumer (B2C) loans, but we have also invested in portfolios of secured non-performing loans (NPL).

During 2017, Axactor started to invest in Real-Estate Owned (REO) portfolios for the first time. These portfolios are mainly derived from mortgage shortfalls. Most activities involving owning or preparing the REO’s for sale are outsourced to third party suppliers.

Our purpose, vision and values

Axactor's purpose, vision and core values are the foundation on which we build our business. They define who we are, what we want to achieve, how we will compete, and sets priorities in our daily work.

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Our strategy

We specialize in debt purchasing, management and collection across Europe, and have a clear strategy for growth. Currently, our operations are in Norway, Sweden, Finland, Germany, Spain and Italy. From our home base in the Nordics, we have an ambitious Pan-European growth strategy that targets sound markets for owning and collecting on non-performing loans (NPL). This market is estimated to be about 1 000 billion euros across Europe, providing significant opportunities for Axactor's future expansion.

We already have established a solid track record of growth and a strong financial position. We are continuously investigating new growth opportunities within existing and new markets that offer a regulatory framework and are receptive to our next-generation debt management approach. Consolidation is also part of our growth strategy. We believe Axactor’s platform and our ability to invest and deliver market-leading, digitally-driven operations make us an attractive partner for companies that lack the capabilities to realize their full potential.

Our history

Established November 2015 in Sweden, Axactor from early days focused on consolidating and creating a European debt management player. The first transaction was the acquisition of Spanish ALD Abogados in late 2015. In the following year, Axactor acquired four more companies, expanding its geographical footprint to Norway, Italy and Germany.

In 2018, Axactor acquired SPT Group OY marking the entrance to Finland. Meanwhile, Axactor developed its unique, next-generation debt management platform to handle its growing number of loan portfolios.

Additionally, the company has secured several third-party collection deals that have been added to the platform. Today, Axactor has more than 1,200 employees and a book value of own portfolios of more than EUR 1 billion. Leading people, systems and funding enable the company to deliver efficient, low-cost and value-capturing operations.