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About us

Axactor has since 2015 helped banks, financial institutions and people to manage their debts. 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.

Axactor in Germany

In Germany we also benefit from more than 40 years of experience in receivables management. At the Heidelberg site, more than 200 employees implement our goals and are the reason for our long-term success.

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 what our customers deliver. Our goal is to be in 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).

Our values

Our values define how we do business and interact with our colleagues, partners, customers and debtors. Our core values are passion, trust and proactivity. As we expand into new markets, recruit new talent and face new challenges, these guide our people in the decisions and actions they take every day.

We are passionate with great knowledge in the industry. We create results by:

- Being focused
- Feeling personal commitment
- Loving challenges and wanting to improve

We act with integrity, create trust and build long-term relationships by:

- Delivering what we promise
- Being straight and clear in our communication and treating everyone with respect
- Cooperating effectively together as a team and meeting our expectations

We are proactive in taking on future expectations by:

- Constantly learning from each other
- Solving problems with an innovative and creative approach
- Dedicating and continuously developing ourselves to deliver the best possible service

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 makes us an attractive partner for companies that lack the capabilities to realize their full potential.


We believe that sustainability begins from within the organization, everyone from the top management level throughout the entire organization are accountable for conducting business in an ethical, sustainable and socially responsible manner.