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.

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. 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.

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What we want to be

At Axactor, we believe 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.

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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.

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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 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.


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

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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. 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.

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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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