About us

Axactor has helped banks, financial institutions and individuals to manage their debts since 2015. We broke into 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 European based company, investing in non-performing debt portfolios and offering services within debt collection. Axactor believes that the debt management and collection business fulfil an important role in society.

Various 002

What we want to be

The purpose is all about helping people and companies to a better future. The company’s continuous focus on innovations, digital and state-of-the-art solutions for managing non-performing loans, together with cost leadership and extensive industry knowledge, has placed Axactor as one of the main players in the European debt-collection industry.

Axactor’s vision is to be the industry benchmark.

Various 010

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 continuously 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.

Finance 017

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 proactive. 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.

Urban 005

Our strategy

At Axactor we are pursuing a niche strategy. We do not want to be best on everything, but to be best in our carefully selected markets. ​​​​​​​


Axactor is a young company founded in 2015. To reach our full potential we will continue to focus on growth to become stronger and harvest economies of scale. The focus is to grow in our existing markets in Spain, Italy, Germany, Sweden, Norway and Finland.

Cost leadership

Our competitive advantage is cost-to-collect. Today we believe we are the most cost-efficient player in Europe. We work extremely hard every day to defend and further improve that position. That is our gold.


On a group level, our strategy is to be the best debt collection agency on 3PC (collection on non-performing loans on behalf of others) and NPL (acquisition of non-performing loans) for Bank and finance on business to consumer unsecured debt. That is what we are best at and where we believe we can thrive on a group level. However, locally we do have great market positions and opportunities beyond the segments described above, which are a key part of the country-specific strategies.