What Samtrygg does

Samtrygg is a Stockholm-based digital marketplace that operates Sweden's secondary-market rental housing segment. Founded in 2013 as Samtrygg AB, the company connects individual property owners seeking to sublet apartments, houses, and rooms (typically for six months or longer) with housing seekers (typically for two months or longer). It serves both Swedish residents and non-residents without established Swedish credit history, addressing a market in which, per company-cited Boverket data, 54.5% of private subleases encounter serious problems and more than 10% of participants fall victim to advance-payment fraud. The platform targets a long-tail SMB audience with no enterprise customers or resellers.

The platform is web-based and built around a self-serve workflow: landlords create free listings, tenants create search profiles, the matching engine pairs applicants with properties based on area, rental period, rent, size, and other conditions, and contracts are signed electronically via BankID or Mobile BankID. Samtrygg intermediates all rent and deposit payments to eliminate advance-payment fraud, and conducts tenant screening/credit verification. The core commercial offering is the Trygghetspaketet (Safety Package), which bundles a 12-month rent guarantee (expanded in 2025 from 2 months), customized subletting insurance underwritten by Omocom Försäkring AB (up to 1,000,000 SEK of damages with a maximum 2,500 SEK deductible), free home insurance for the first 30 days via Hedvig Försäkring AB, standardized lease templates, 30 minutes of legal advice per transaction, and personal customer service. Supporting features include the Hyreskalkylator rental calculator, the Hyresguide educational content library, and digital viewings via Google Meet. Integrations with Blocket, Facebook, Mailchimp, Google, Meta, Criteo, and YouTube support distribution and marketing.

The revenue model is a transaction-based take rate: landlords advertise and use the Safety Package free of charge, while tenants pay a 15% service fee on top of the agreed rent (minimum 750 SEK/month), included in the advertised monthly price. Supplementary services (move-in/move-out cleaning, maintenance coordination) generate additional transaction revenue. The company was previously listed on Nordic SME but announced a voluntary delisting in December 2025, with last trading day scheduled for January 30, 2026. Operating geographies are limited to Sweden (with listings concentrated in Stockholm, Göteborg, and Malmö); disclosed scale indicators include 19,072+ registered housing seekers, 577 active listings, and a 100,000+ applicant database.

Name

Samtrygg

Legal name

Samtrygg AB

Website

https://samtrygg.se

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Samtrygg is a Stockholm-based Swedish digital marketplace for secondary-market home rentals, connecting individual landlords and tenants through a self-serve platform that bundles 12-month rent guarantees, subletting insurance, BankID-signed contracts, and payment intermediation under the Trygghetspaketet Safety Package.

Ownership category

akta.pro rank

Product category

Online Rental Marketplace

NAICS

Rental and Leasing Services (532)

SIC

Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Residential Rental Brokerage & Tenant Placement (BPAJAAAF)

Keywords

• Rental marketplace
• Subletting platform
• Rent guarantee
• Tenant screening
• Home insurance

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Supply Chain, Infrastructure

Revenue model

1. Tenant Service Fee (15%): Tenants pay a 15% fee on top of the rental amount determined by the landlord. Both the rent and the fee are included in the advertised price shown in housing listings. If the 15% calculation yields less than 750 kr per month, the minimum fee is set at 750 kr/month. The fee is bundled into the monthly payment collected by Samtrygg and remitted to landlords net of the fee.
2. Supplementary Services: Additional optional services such as move-in/move-out cleaning, property maintenance coordination, and other value-added services available for separate purchase.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Samtrygg operates a Swedish online rental marketplace where landlords list subletting properties free of charge and tenants apply and contract through the platform. Its core product, the Trygghetspaketet (Safety Package), bundles a rent guarantee (expanded to 12 months), subletting insurance, home insurance, verified tenant credit checks, legal advice, safe lease agreements, and BankID/Mobile BankID electronic signing into a single offering aimed at reducing the risks of second-hand rentals.

Product overview

Samtrygg operates as a digital marketplace for safe home rentals in Sweden, offering a unified platform centered on the Trygghetspaketet (Safety Package). The core offering bundles several integrated services including a 12-month rent guarantee, customized subletting insurance (via Omocom), complimentary home insurance (via Hedvig) for the first 30 days, verified tenant screening with credit checks, standardized lease templates with BankID electronic signing, legal advice, and personal customer service. Supporting features include a rental calculator for pricing estimates, a comprehensive rental guide on Swedish housing laws, digital/video viewing capabilities via Google Meet, and a Direct Application service for virtual property tours. The platform connects landlords seeking to rent properties with prospective tenants, facilitating the entire rental process from listing to contract signing. The company also offers optional add-on services including marketing promotion across Blocket and Facebook, and moving cleaning services.

Differentiator

Problem solved

Functional benefit

Products and services

• Trygghetspaketet (Safety Package) Bundled safety product for individual Swedish landlords subletting their property, combining a rent guarantee, subletting insurance, home insurance, verified tenant credit screening, legal advice, safe lease agreements, BankID/Mobile BankID electronic signing, and payment intermediation into a single package activated when a lease is signed.
• Hyresgaranti (Rent Guarantee) Insurance product guaranteeing the landlord's monthly rent for up to 12 months in the event of tenant default or non-payment during an active Samtrygg sublet, sold as part of the Trygghetspaketet.
• Uthyrningsförsäkring (Subletting Insurance) Dedicated insurance covering landlord risks specific to second-hand rentals, including property damage and liability during the sublet period, bundled into the Trygghetspaketet.
• Hemförsäkring (Home Insurance) Home insurance coverage for the sublet property, provided as part of the Safety Package to protect landlords against damage and standard home-related risks during the rental period.
• Online Subletting Marketplace (samtrygg.se) Core marketplace product where landlords list Swedish sublets for free, search through a pool of over 100,000 prospective tenants, conduct digital viewings, run direct applications, and finalize contracts through BankID-signed electronic leases with payment intermediation. Tenants pay a 15% service fee (minimum 299 SEK) on the monthly rent.
• Flyttstädning (Moving Cleaning Add-on) Optional paid add-on service allowing tenants to book a move-out cleaning at the end of the sublet, charged at the time of booking.

Quantifiable outcome

• According to Boverket (2015), 54.5% of all private subleases experience serious problems; Samtrygg reduces this to 1.75%
• +1 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability5 records

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• Omocom Försäkring ABcoreOthersOmocom Försäkring AB is the underwriter for Samtrygg's mandatory subletting insurance (uthyrningsförsäkring), provided as part of the Trygghetspaketet. Samtrygg acts as group representative and agent for this group insurance policy covering landlords for damages up to 1,000,000 SEK.
• Hedvig Försäkring ABcoreOthersHedvig Försäkring AB provides home insurance (hemförsäkring) for tenants, with a free 30-day group policy included upon contract signing. Samtrygg acts as group representative. Hedvig contacts tenants after the free period regarding optional continuation. The tenant's own home insurance is a prerequisite for Samtrygg's subletting insurance to be valid.

Scale indicators5 records

Recent moves7 records

Expansion highlights4 records

Broad incumbents

• Zillow: US-based residential real estate marketplace with rental listings and landlord tools. Zillow is a BROAD_INCUMBENT that demonstrates the scaled global pattern of online rental marketplaces; useful comparability proxy for long-run product strategy, though geographically distant from Samtrygg.
• Airbnb: Global two-sided marketplace for short-term stays. Airbnb is a BROAD_INCUMBENT that overlaps with Samtrygg's rental-marketplace mechanics, identity-verified contracting, and host protection features, but operates in short-term stays rather than Swedish sublets.
• Facebook Marketplace: Free-to-list consumer-to-consumer marketplace with a large rental category globally. Facebook Marketplace is a BROAD_INCUMBENT distribution channel where Samtrygg cross-posts and that competes for the same landlord/tenant supply and demand without insurance or guarantee features.
• Hemnet: Sweden's leading residential real estate listing platform for sale and primary rentals. Hemnet is a BROAD_INCUMBENT serving the broader Swedish housing market; it overlaps with Samtrygg in rental demand but does not target the sublet niche or offer insurance/rent guarantee.

Direct peers

• Qasa: European long-stay rental marketplace that operated across multiple European markets including Sweden. Qasa was a DIRECT_PEER for furnished monthly rentals with similar matchmaking and contract support, though with a different geographic footprint than Samtrygg.
• Blocket: Sweden's largest classifieds platform, owned by Schibsted, with a dominant rentals category. Blocket is the primary distribution channel Samtrygg uses, and operates as a direct competitor in rental listings but without Samtrygg's insurance/rent-guarantee bundle.
• Badi: European room- and apartment-rental marketplace headquartered in Barcelona. Badi is a DIRECT_PEER running a two-sided marketplace model with listings and chat-based communication, comparable in product philosophy though operating mainly in Southern Europe rather than Sweden.
• Spotahome: European online rental platform for mid- to long-term stays. Spotahome is a DIRECT_PEER offering listings, virtual viewings, and tenant-landlord matchmaking across multiple European cities with a transaction-fee revenue model.

Others

• Trustpilot: Consumer review platform widely referenced on Samtrygg's listing pages. Trustpilot is an OTHERS ecosystem player — not a competitor — that helps establish landlord/tenant confidence but is not a transactional peer.

Regional players

• Bostadsförmedlingen (Stockholm Housing Agency): Public municipal rental queue serving the Stockholm region — the dominant channel for primary rental contracts. Regional public-sector counterpart that does not compete directly on price or product, but absorbs most rental demand that Samtrygg's secondary market would otherwise see.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/samtrygg
• LinkedInlinkedin.com/company/samtrygg-ab

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds2 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Samtrygg