Aktiva Finance Group

What Aktiva Finance Group does

Aktiva Finance Group is an Estonian-headquartered private financial infrastructure company founded in 1995 that operates across Estonia, Latvia, Lithuania, and Poland with approximately 200–250 employees. Its core business is buying non-performing debt portfolios and operating Julianus Inkasso, which holds over 50% market share in Estonian debt collection; the group has processed nearly 3 million debt claims and over €1 billion in assigned debt since inception. It also runs a portfolio of interconnected financial platforms: Taust.ee (Estonia's largest payment default database), Krediidiregister (account information services), Accountscoring (bank-statement analysis for lenders), Tarkpay (payment initiation that replaces bank links at 2–3x lower merchant cost), Perfi/Kontu/Viena sąskaita (consumer bill-consolidation and merchant invoice distribution with mobile apps), Altero (loan and insurance comparison with 60+ lender partners), and Avaus (marketing automation). The group is supervised by multiple financial authorities (Estonian Financial Supervision, Bank of Lithuania, Latvian Consumer Rights Protection Centre) and holds ISO/IEC 27001:2022 certification.

The group monetizes through several distinct revenue streams: transaction economics on debt portfolio purchases, professional-service and contingency fees on debt collection (extrajudicial, judicial, enforcement, bankruptcy), transaction fees on Tarkpay payment initiation and account information, subscription and pay-per-use fees on Taust.ee/Accountscoring/Krediidiregister credit data, marketplace commissions on Altero loan/insurance leads, and freemium-to-paid conversion on Perfi. Go-to-market is hybrid: enterprise field sales for debt portfolio selling and Julianus Inkasso contracts (anchored by customers including Telia, Elisa, Tele2, Swedbank, Eesti Energia, G4S, Bolt, LHV, and Tartu University Clinic) plus self-serve/product-led growth for Perfi, Taust.ee, Altero, and Accountscoring.

Name

Aktiva Finance Group

Legal name

Aktiva Finance Group OÜ

Website

https://aktivafinance.eu

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

51–100 employees

Short description

Aktiva Finance Group is an Estonian private financial infrastructure group operating in Estonia, Latvia, Lithuania, and Poland, buying non-performing debt portfolios and offering payment, credit-data, and collection services to banks, telecoms, utilities, SMBs, and consumers through brands including Julianus Inkasso, Perfi, Taust.ee, Accountscoring, Tarkpay, and Altero.

Ownership category

akta.pro rank

Product category

Debt Collection and Financial Infrastructure Services

NAICS

Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Debt Buying & Portfolio Acquisition (Charged-Off Receivables) (FSAKAJAC)

akta.pro secondary industries

Debt Buying / Portfolio Acquisition & Recovery (Debt Purchasers) (BPAAAEAG), A2A Collections & Direct Account Funding (FSAMAFAH)

Keywords

• Debt collection services
• Debt portfolio purchasing
• Bill payment platform
• Credit information services
• Payment initiation services

Headquarters

HQ city

Tallinn

HQ country

Estonia

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Debt Portfolio Purchasing: Purchase of overdue debt portfolios from businesses, enabling them to convert credit losses into cash flow. The group is the largest debt buyer in the Baltics.
2. Debt Collection Services: Full-service debt collection including extrajudicial, judicial, enforcement proceedings, as well as bankruptcy, reorganization, liquidation, and inheritance proceedings through Julianus Inkasso
3. Payment Processing Services: Money transfer services, payment initiation, and account information services through licensed entities including Krediidiregister, Meieni OÜ, and Viena Saskaita UAB
4. Credit Information Services: Background check and creditworthiness assessment services through Taust.ee and Accountscoring platforms, used by banks and financial institutions
5. Financial Comparison Platform: Altero platform providing loan and insurance comparison services, earning commissions from lenders
6. Consumer Bill Payment Platform: Perfi platform for consumers offering bill aggregation and payment services. Free for first three months for new customers.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

Aktiva Finance Group buys debt portfolios and offers integrated financial infrastructure services across the Baltics and Poland, including debt collection (Julianus Inkasso), bill-payment aggregation for consumers (Perfi and its country brands), credit and payment-default data services (Taust.ee, Krediidiregister, Accountscoring), payment initiation for merchants (Tarkpay), and a financial-product comparison marketplace (Altero). It serves enterprise clients selling receivables as well as individual consumers consolidating household bills.

Product overview

Aktiva Finance Group is the only company in the region offering complete financial infrastructure solutions. The portfolio consists of multiple interconnected products: bill payment platforms (Perfi/Kontu/Viena Sąskaita) for consolidating and managing household expenses; credit and risk management tools (Krediidiregister, Taust.ee, Accountscoring) for assessing creditworthiness and analyzing bank data; payment solutions (Tarkpay) as an alternative to traditional bank links; financial services comparison (Altero); marketing/sales automation (Avaus); and debt collection services (Julianus Inkasso, Julianuse Õigusbüroo). The group also purchases debt portfolios directly. Products operate across Estonia, Latvia, Lithuania, and Poland serving both B2B and B2C segments.

Differentiator

Problem solved

Functional benefit

Brands

• Perfi: Invoice payment and bill management platform for individuals and businesses
• Julianus Inkasso
• Taust.ee
• Accountscoring
• Tarkpay
• Altero
• Avaus
• Krediidiregister
• Kontu
• Viena Sąskaita
• Julianuse Õigusbüroo
• Meieni OÜ

Products and services

• Perfi Bill Payment Platform (Estonia, Latvia, Poland) and Viena sąskaita (Lithuania) Bill aggregation and payment platform for private individuals that consolidates all monthly service-provider bills into a single monthly payment, with payment reminders, invoice archive, and visual spending statistics. Serves consumers across Estonia (perfi.ee), Latvia (perfi.lv), Lithuania (Viena sąskaita, vienasaskaita.lt), and Poland (Kontu, kontu.pl). The mobile app launched in 2024 is the first mobile product from Aktiva Finance Group.
• Taust.ee Payment Default Database Estonia's largest payment default database that aggregates credit-decision-relevant information on both private individuals and legal entities, including payment history, tax debts, court decisions, and financial reports. Used by banks, financial institutions, and businesses to assess the creditworthiness of counterparties.
• Accountscoring Bank Statement Analysis Platform that helps lenders extract essential customer information from bank account data and bank statements. Highlights warnings and categorizes transactions to support responsible lending decisions and reduce credit losses.
• Tarkpay Payment Initiation Payment initiation service that replaces bank links in online stores, self-service portals, and invoices, reducing company transaction costs by 2–3 times while preserving customer payment convenience. Offered through licensed entities including Meieni OÜ and Viena Saskaita UAB.
• Altero Financial Comparison Platform Leading financial comparison platform in the Baltics that lets users compare loan, insurance, and other financial service offers from multiple providers via a single free application. Operating across Estonia (altero.ee), Latvia (altero.lv), and Lithuania (altero.lt). Licensed by the Estonian Financial Supervision Authority for credit intermediation services.
• Julianus Inkasso Debt Collection Services Full-service debt collection provider representing clients in extrajudicial, judicial, and enforcement proceedings, as well as bankruptcy, reorganization, liquidation, and inheritance proceedings. Operates in Estonia, Latvia, Lithuania, and Poland with local subsidiaries. Holds over 50% market share in Estonian debt collection and has processed nearly 3 million debt claims across the Baltics since 1995.
• Debt Portfolio Purchase Service Aktiva Finance Group purchases overdue debt portfolios and receivables from businesses regardless of age, size, or collateral, enabling sellers to convert credit losses into cash flow. Quote-based pricing and dedicated sales team handle each portfolio.
• Krediidiregister Account Information Services Licensed credit register providing data solutions for managing credit and business risks. Holds the Estonian Financial Supervision Authority license for account information services and operates in Latvia and Lithuania. Backs Taust.ee and Accountscoring offerings with licensed data infrastructure.
• Avaus Marketing and Sales Automation Marketing and sales efficiency platform that combines customer data and automation to deliver measurable business results for clients. Operates as a minority-held subsidiary within the Aktiva Finance Group.
• Julianuse Õigusbüroo Legal Services In-house law office providing legal services for Julianus Inkasso clients, representing clients in out-of-court and court proceedings including compromise negotiations, court representation, and enforcement proceedings.

Quantifiable outcome

• Reduces company transaction costs by 2-3 times when using Tarkpay instead of bank links
• +3 more outcomes

Named customers10 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

Partnerships

One partnership is on record.

• Intrum (Baltic Operations)coreOthers · 3 July 2023Acquisition of Intrum's Baltic entities (Estonia, Latvia, Lithuania) including servicing platforms and investment portfolios. Transaction valued at €30 million. Estonian and Latvian operations acquired in Q3 2023, Lithuanian operations in Q4 2024 following regulatory approval.

Scale indicators11 records

Recent moves12 records

Expansion highlights6 records

Market position

Competitive moat6 records

Key highlights7 records

Customer concentration

• Instagraminstagram.com/aktivafinancegroup?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw==
• Facebookfacebook.com/aktivafinancegroup
• LinkedInlinkedin.com/company/aktiva-finance-group

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries12 records

Funding overview

Funding rounds

Investors

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 Aktiva Finance Group