What Collectia does

Collectia A/S is a Danish police-authorized debt collection and debt purchase firm founded in 1998 and headquartered in Brøndby, Denmark, with additional operating entities in Norway, Sweden, Finland, and Germany. The company positions itself as one of Denmark's largest and most established collection agencies, claiming 150+ years of industry heritage, and serves SMBs, large enterprises, public authorities, and subscription-based businesses across both B2B and B2C debt scenarios.

The core product is a tiered subscription platform comprising CollectiaLight (pay-per-case at 495 DKK with 20% success commission), CollectiaPlus (2,995 DKK annual subscription, unlimited cases, 0% commission), and CollectiaPro (3,995 DKK annual, plus credit checks and debtor monitoring). Underpinning the platform is the proprietary Inkassoscore, which scores debtors across 25 parameters and updates daily, integrating the Experian credit database to drive AI-powered dynamic collection workflows that adapt the recovery process to each case. The product surface is supported by native integrations with Visma e-conomic and Dinero accounting software, automated reminder services (Rykkerservice), legal collection (Retslig Inkasso), data cleansing (Datavask), credit information (Kreditoplysning), municipal collection (Kommunal opkrævning), and cross-border debt recovery through the European Collectors Association (ECA) network.

Collectia generates revenue from recurring subscriptions, contingency commissions on recovered amounts, legal and court service fees, statutory interest, reminder and compensation fees, and pass-through debtor costs. The firm has executed three acquisitions since 2017 (PNO Inkasso AG in Germany, Kredinor in Norway, and Equity in 2021) to expand its Nordic and DACH footprint, and launched a generative-AI assistant in the Kundeweb customer portal in 2024. Compliance posture is reinforced by ISO27001, ISAE 3000 GDPR audits, and ISAE 3402 hosting controls.

Name

Collectia

Legal name

Collectia A/S

Website

https://collectia.dk

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

101–250 employees

Short description

Collectia is a Danish police-authorized debt collection firm serving SMBs, enterprises, public authorities, and subscription businesses across the Nordics and Germany, using its proprietary Inkassoscore and AI-driven dynamic workflows to recover unpaid invoices through a tiered subscription platform.

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Collection Agencies (561440), Collection Agencies (56144), Credit Bureaus (56145)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB)

akta.pro secondary industries

Third-Party Collection Agencies (Consumer) (FSAKAJAB), Debt Buying / Portfolio Acquisition & Recovery (Debt Purchasers) (BPAAAEAG), Legal Collections Support (Pre-Lit, Litigation Admin, Judgment Recovery) (BPAAAEAH), Collections, Arrears Management & Debt Enforcement (BPAIADAD)

Keywords

• Debt collection services
• Credit management solutions
• Invoice collection platform
• Legal debt recovery
• Accounts receivable management

Headquarters

HQ city

Brøndby Strand

HQ country

Denmark

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Subscription Services (CollectiaLight, Plus, Pro): Three-tier annual subscription model with varying service levels. Light tier charges per case plus 20% commission on recovered amounts. Plus and Pro tiers are annual subscriptions with unlimited cases and no commission on recovery.
2. Contingency/Success Fees: Commission on successfully recovered debts for Light tier (20% of recovered principal). Also entitled to commission on paid principal in monitoring/watching cases.
3. Legal/Court Services: Additional fees for legal collection services, court proceedings, filing fees, and representation in civil court and bailiff court.
4. Interest and Fees on Debt: Collects statutory interest, reminder fees, collection fees, compensation fees, and court-awarded costs as part of the debt.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

Collectia is a police-authorized Danish debt collection agency providing end-to-end receivables management for businesses and public authorities, delivered through a three-tier subscription platform (CollectiaLight, Plus, Pro). Services span automated reminders, credit checks, invoice management, full debt collection, legal enforcement, monitoring of written-off cases, municipal collection, and cross-border collection via the ECA network. Core operations are supported by a proprietary Inkassoscore system and AI-driven dynamic collection workflows.

Product overview

Collectia offers a three-tier subscription-based debt collection platform: CollectiaLight (per-case model at 495 kr with 20% commission), CollectiaPlus (annual subscription at 2,995 kr with unlimited cases and 0% commission), and CollectiaPro (premium tier at 3,995 kr adding credit checks and company monitoring). The platform is built around its proprietary Inkassoscore that evaluates 25 parameters to predict debtor payment behavior daily, enabling dynamic collection workflows. Core services span from automated reminders (Rykkerservice) and invoice management (Fakturaservice) through full debt collection (Inkasso) to legal proceedings (Retslig Inkasso), complemented by credit information (Kreditoplysning), data quality (Datavask), international collection, monitoring (Overvågning), and municipal services. The ecosystem includes customer-facing Kundeweb portal and debtor-facing MitCollectia portal, with integrations to Visma e-conomic and Dinero accounting software for automated invoice-to-collection workflows.

Differentiator

Problem solved

Functional benefit

Brands

• CollectiaLight: Entry-level debt collection service priced at 495 DKK per case with 20% commission on recovered amounts
• CollectiaPlus
• CollectiaPro
• MitCollectia

Products and services

• CollectiaLight

Quantifiable outcome

• Up to 35% of customer data is erroneous - data washing service helps correct this
• +1 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability6 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• European Collectors Association (ECA)coreStrategic or Co-development PartnerCollectia is a member of ECA, representing leading collection agencies in Europe. All ECA-certified members are experts in their respective countries' legislation, culture and collection practices. Enables international debt collection through trusted partner network.
• Visma e-conomiccoreTechnology or IntegrationIntegration partnership allowing users to send unpaid invoices directly to Collectia from their e-conomic accounting software. Automated invoice follow-up.
• DinerocoreTechnology or IntegrationIntegration partnership enabling users to send unpaid invoices directly to Collectia from Dinero accounting software.
• ExperiancoreTechnology or IntegrationConnected to Experian database for debtor credit information and payment ability assessment. Used in the inkassoscore system.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Hoist Finance: Swedish-listed debt purchaser and servicer focused on non-performing loan portfolios across Northern Europe. Comparable to Collectia in Nordic geographic exposure, regulated collection operations, and dual collection/purchase business model.
• Intrum: Largest Nordic and European debt collection and debt purchase company, operating across similar geographies and serving overlapping SMB and enterprise clients with third-party collection and portfolio acquisition services directly comparable to Collectia.
• Aktiv Kapital: Norwegian debt purchaser and collector operating across Nordic markets with comparable focus on portfolio acquisition and outsourced collection services for SMB and enterprise clients.
• B2 Holding: Norwegian-headquartered debt collection and purchasing group with similar M&A-driven growth strategy across Nordic and European markets. Directly comparable as a rollup-style Nordic debt collection platform.
• Sergel: Swedish-headquartered debt collection firm serving Nordic SMB and enterprise clients with comparable service portfolio spanning reminders, collection, legal proceedings, and credit information.
• Lowell: Major European debt purchaser and collector with business model centered on portfolio acquisition and outsourced collections. Closely comparable to Collectia in combining third-party collection services with debt purchase activity.
• EOS Group: German-based debt collection and debt purchase group with pan-European footprint. Directly comparable in business model combining third-party collections with portfolio acquisition across regulated European markets.
• Alektum Group: Nordic and Swiss-headquartered debt collection firm offering similar SMB and enterprise collection services with subscription-style product offerings across Northern European markets.

Emerging players

• Creditsafe: Global credit bureau providing business credit reports and monitoring services that overlap with Collectia's Kreditoplysning and Pro tier monitoring offerings, though not directly competing in debt collection.

Broad incumbents

• Bisnode: Nordic and DACH credit bureau and business information provider, now part of Dun & Bradstreet. Comparable to Collectia in credit information and risk management offerings, though broader in scope and incumbency.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

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

M&A3 records

Investments

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

Frequently asked questions about Collectia