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.

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What we are?

Axactor is a European, next-generation debt management company. Since 2015, we have helped banks, financial institutions and people to manage their receivables. Today, we are one of the largest debt management providers in Europe. In addition to Finland, we have operations in Norway, Sweden, Germany, Italy and Spain.

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What we do?

We purchase overdue debt portfolios and provide banks and financing companies with debt collection services.

We believe in strong professionalism and understanding of the business of our customers. Our goal is to be on the top with innovative, cost efficient and smart solutions both in information systems and service production. Instead of being stuck with outdated ways of working, we look in to the future and build agile and effective company.

Collection and credit management have an important role in society – the purpose is to help people and companies toward a better future. Our mission is to be an industry benchmark and the best partner for banks and financing companies.

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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.


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 industry on business to consumer unsecured debt. That is what we are best at and where we believe we can thrive on a group level.

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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.

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Our values


We are passionate with great knowledge in the industry.


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


We are proactive in taking on future expectations.

Interested in knowing more about what we can do for you? Get in touch and we'll tell you more!

Heidi Piispanen

Country Manager