What Kravia does

Kravia is a Nordic cloud-based debt collection platform founded in 2017 and headquartered in Oslo, Norway. The company's core product automates the overdue-invoice and collections workflow, integrating natively with 50+ accounting and ERP systems widely used in Norway, Finland, and Sweden (including Tripletex, Visma, Fortnox, Xledger, Fiken, and Finago Procountor). When an invoice becomes overdue, it is automatically exported from the creditor's accounting system to Kravia, where the case is handled through a combination of automated reminders, status updates back into the accounting software, and human case handlers. Debtors access the platform through a 'My Page' portal to view claims, request payment deferrals or installment plans, and communicate with Kravia. The platform also performs financial monitoring of long-tail unpaid cases roughly three months after the due date. An open API allows partners to embed or build on top of the platform.

The business model is freemium for creditors: businesses and accountants send overdue invoices to Kravia at no charge, and revenue is generated from fees and interest charged to debtors during the collection process, with additional costs on a small percentage of cases that escalate to legal action or surveillance. Distribution is primarily through the 50+ accounting software integrations, a 300+ partner accounting-firm network launched in 2021, direct sales to larger creditors, and an open API for digital partners. Named customers include accounting firms (Azets, ECIT, Økonomihuset, V-Økonomi, Aider Melhus) and property managers (Agio Forvaltning, PHM Forvaltning).

In December 2025, Kravia announced the acquisition of approximately 78% of Swedish fintech Billecta AB from SaveLend Group for up to SEK 117 million, expected to close in early 2026. The deal extends Kravia's product surface from collections into the upstream invoicing layer, creating an integrated Nordic order-to-cash platform. As of late 2025 the company employs 140+ people across Norway, Finland, and Sweden and reports over 6 billion kroner (approximately EUR 500M) collected for customers since 2021. The company is privately held with no disclosed venture or private equity backing in available sources.

Name

Kravia

Legal name

Kravia AB

Website

https://kravia.ai

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Kravia is a Nordic cloud-based debt collection platform that automates overdue-invoice workflows for businesses and accountants via 50+ accounting system integrations, operating in Norway, Finland, and Sweden with a freemium model for creditors and fees charged to debtors.

Ownership category

akta.pro rank

Product category

Debt Collection Software

NAICS

Collection Agencies (561440), Custom Computer Programming Services (541511), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Invoice Financing, Factoring & Receivables Management (FSAGAJAB)

akta.pro secondary industries

Accounts Receivable (Invoicing, Cash Application, Deductions) (BPAAAGAB), E-Invoicing & Invoice Presentment (B2B/B2G) (FSAMAJAF), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)

Keywords

• Cloud debt collection
• Invoice collection software
• Accounts receivable automation
• Order-to-cash platform
• Accounting software integration

Headquarters

HQ city

Oslo

HQ country

Norway

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Debt Collection Fees (End-customer paid): Kravia is free for businesses to use for sending invoices to collections. Revenue is generated from fees and interest added to the invoice during the collection process, paid by the end customer (debtor). Costs may occur for legal collection and surveillance, but only for a small percentage of cases and at least 3 months after the due date.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Kravia operates a cloud-based debt collection and invoice follow-up platform that automates overdue invoice management for Nordic businesses, accountants, and technology partners. Overdue invoices are routed automatically from 50+ integrated accounting and ERP systems into Kravia for follow-up by case handlers and a debtor self-service portal. The service is free for creditor businesses, with revenue generated from fees and interest paid by the end debtors during the collection process. Following the December 2025 acquisition of Billecta AB, Kravia extends its offering upstream into invoicing to cover the full order-to-cash cycle.

Product overview

Kravia is a cloud-based debt collection platform operating in Norway, Finland, and Sweden. The core product offering centers on Kravia itself — a SaaS platform that automates invoice follow-ups, payment reminders, and debt collection workflows, integrated with major accounting systems via an open API. Kravia recently acquired Billecta (a Swedish fintech invoicing company) to expand its Nordic platform — combining Billecta's invoicing capabilities with Kravia's automated follow-up and collections solutions to cover the full order-to-cash cycle from invoice issuance through payment and debt recovery. The platform serves businesses, accountants, and digital technology partners through a multi-sided model.

Differentiator

Problem solved

Functional benefit

Products and services

• Kravia Cloud-based debt collection software operating across Norway, Finland, and Sweden. The platform automates invoice follow-ups, payment reminders, and debt collection workflows for businesses (creditors), accountants, and digital partners, with native integrations into 50+ Nordic accounting and ERP systems and an open API.
• Billecta Swedish fintech invoicing platform acquired by Kravia, providing invoicing and payment solutions. Following acquisition, Billecta's invoicing capabilities will be combined with Kravia's automated follow-up and collections to deliver an end-to-end Nordic order-to-cash platform.
• Validius Doing-business-as name associated with Kravia in the source data; no further product detail is provided beyond the DBA association.

Quantifiable outcome

• Over 6 billion kroner collected for customers since 2021 (equating to approximately 500+ million EUR based on exchange rates)
• +2 more outcomes

Named customers7 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

AI capability1 record

Feature5 records

Partnerships

13 partnerships are on record, tiered core and major.

• BillectacoreStrategic or Co-development Partner · 22 December 2025Kravia acquired approximately 78% of shares in Swedish fintech company Billecta AB from SaveLend Group for up to SEK 117 million. The transaction, expected to close around January-February 2026 pending regulatory approval, aims to strengthen Kravia's presence in Sweden and build a complete Nordic platform covering the entire order-to-cash process from invoicing to payment and collections. Billecta brings its invoicing platform, while Kravia contributes automated follow-up and collections solutions.
• TripletexcoreTechnology or IntegrationNative integration with Tripletex accounting software. Businesses using Tripletex can automatically send overdue invoices to Kravia for collection directly from their accounting system.
• Visma BusinesscoreTechnology or IntegrationNative integration with Visma Business ERP. Enables automated claim submission from Visma to Kravia when invoices become overdue.
• FortnoxcoreTechnology or IntegrationNative integration with Fortnox accounting system. Allows businesses to automatically route overdue invoices from Fortnox to Kravia for collection.
• XledgercoreTechnology or IntegrationNative integration with Xledger cloud ERP. Enables automated collection case creation for overdue invoices directly from Xledger.
• FikenmajorTechnology or IntegrationNative integration with Fiken accounting software popular in Norway. Businesses can manage collections from within Fiken.
• AzetsmajorTechnology or IntegrationIntegration partnership with Azets, a major accounting and business services firm operating across the Nordics. Azets uses Kravia for collection services for its client base.
• UnimicromajorTechnology or IntegrationNative integration with Unimicro accounting platform. Enables seamless collection workflow for Unimicro users.
• XenamajorTechnology or IntegrationNative integration with Xena accounting/ERP software. Automatic claim submission for overdue invoices.
• Finago ProcountormajorTechnology or IntegrationNative integration with Finago Procountor, a major accounting platform in Finland. Enables automated collection for Procountor users.
• Business NXTmajorTechnology or IntegrationIntegration with Business NXT accounting platform, enabling automated collection case management.
• PowerOffice GomajorTechnology or IntegrationIntegration with PowerOffice Go accounting software, enabling collection automation for Norwegian businesses.
• ContamajorTechnology or IntegrationIntegration with Conta accounting platform, providing automated collection capabilities for Conta users.

Scale indicators7 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Klarna: Klarna is a leading Nordic-founded fintech offering payments, consumer credit, and now end-to-end SMB commerce tools. Comparable as a Nordic fintech with SMB/consumer reach, but operates in a much broader payments/lending space rather than focused receivables management.
• Visma: Visma is the dominant Nordic ERP/accounting software provider and a key Kravia integration partner (Visma Business, Visma.net). Comparable as a platform-of-record for Nordic SMBs and accountants where Kravia is embedded, though Visma offers a much broader portfolio and could itself move deeper into receivables/collections functionality.

Others

• Trustly: Trustly is a Swedish account-to-account (A2A) payments platform owned by Klarna, operating across Europe and the US. Comparable as Nordic-originated payments infrastructure adjacent to invoicing/collections flows, though Trustly focuses on bank-to-bank payment rails rather than receivables management.
• Creditsafe: Creditsafe is a global business credit data and decisioning provider used by SMBs, corporates, and debt collectors to assess counterparty risk. Comparable to Kravia as an enabling data layer for the receivables and collections workflow, particularly for debtor screening and ongoing monitoring.

Direct peers

• Intrum: Intrum is the largest debt collection and receivables management player in the Nordics and Europe, operating across the full credit-management value chain. Directly comparable to Kravia in target market (Nordic SMBs and enterprises) and service line (outbound collections and AR management), though much larger and more diversified across Europe.
• Lowell: Lowell is a pan-European debt purchaser and receivables management firm operating across the Nordics, UK, Germany, Austria, Switzerland, and the Netherlands. Comparable to Kravia in AR management services and SMB/enterprise creditor relationships, though Lowell operates at much larger scale with a debt-purchase-led model.
• InExchange: InExchange is a Nordic fintech providing electronic invoicing, payments, and AR/finance solutions to SMBs. Comparable to Kravia in the order-to-cash and receivables space across the Nordics, particularly after Kravia's Billecta acquisition, though InExchange focuses more on invoice presentment and supplier finance than on overdue collections.
• Pagero: Pagero is a Nordic e-invoicing and order-to-cash platform serving businesses across Europe. Comparable to Kravia in SMB order-to-cash workflows and integration-driven distribution, with significant overlap following Kravia's acquisition of Billecta, though Pagero is more focused on e-invoicing infrastructure than collections execution.

Regional players

• Ageras: Ageras is a Denmark-founded marketplace and software platform connecting SMBs with accountants, lawyers, and financial services. Comparable to Kravia in serving Nordic SMBs and accountants as distribution channels, though Ageras focuses on professional-services matching rather than collections execution.

Emerging players

• Kreditz: Kreditz is a Stockholm-based alternative credit data and AR analytics platform serving lenders and businesses across the Nordics. Comparable to Kravia in target customer (Nordic SMBs needing better receivables insight) and region, but focused on credit-decisioning data rather than the full collections execution flow.

Market position

Strengths1 record

Weaknesses1 record

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments

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

Frequently asked questions about Kravia