Asiakastieto

What Asiakastieto does

Suomen Asiakastieto Oy, operating under the Asiakastieto brand, is a Finnish credit and business information services provider and the licensed market-leading credit information bureau in Finland, with approximately 100 years of accumulated proprietary data on Finnish companies and consumers. The company's product platform is organized around four pillars: business and consumer credit information services (company reports, Riskimittari risk meter, Rating Alfa credit rating); decision-making automation services (automated credit decisions, real-time risk scoring via API integrations, Yritysfiltteri and Goava Discover for sales targeting); property and apartment information services for the Finnish real estate sector; and consumer-facing services under the Omatieto.fi portal including Tietovahti identity monitoring and Oma luottokielto credit blocking. Compliance and regulatory services (KYB, AML, PEP/sanctions screening, PSD2) and ESG reporting constitute additional modules targeted at regulated enterprises.

Asiakastieto monetizes through a dual-channel model: enterprise contract sales (Sopimusasiakkaat) with API access, volume-based pricing, and an EUR 15/year personal ID access maintenance fee for contract customers, plus a self-service online shop (Verkkokauppa) for individual report purchases and a direct-to-consumer subscription channel (Omatieto.fi). Its customer base spans financial institutions, insurance companies, telecom operators, wholesale and retail businesses, regulated compliance buyers, and individual consumers, with named enterprise users including Paytrail (Finnish payment service provider) and Sortter (loan comparison platform). The company is headquartered in Helsinki, was originally founded in 1900, was acquired by Investcorp Group in 2008, listed on NASDAQ OMX Helsinki in March 2015 (ticker ATG1V), and was subsequently acquired by and delisted as part of Enento Group Oyj in 2022-2023, now operating as a wholly-owned Finnish subsidiary within the Nordic information services group.

Name

Asiakastieto

Legal name

Suomen Asiakastieto Oy

Website

https://asiakastieto.fi

Company type

Private

Founded year

1900

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Credit Information Services

NAICS

Credit Bureaus (561450), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Fraud, Risk, KYC/AML & Compliance Platforms (BPAMAFAI)

akta.pro secondary industries

Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ), Beneficial Ownership (UBO) & Corporate Registry Verification (KYB) (FSAMAMAK), Merchant & Payment Facilitator (PayFac) Underwriting / KYB (FSAMAMAJ)

Keywords

• Credit information services
• Business credit reports
• Credit risk management
• Compliance and KYC
• Automated credit decisions

Headquarters

HQ city

Helsinki

HQ country

Finland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. B2B Credit Information Services: Subscription and usage-based revenue from企业提供信用信息服务，包括企业信用报告、消费者信用信息、风险评估和合规服务。合同客户提供用户凭证访问或API自动化解决方案。
2. Report and Service Fees: Revenue from individual report purchases and specialized services. Contract customers receive volume-based pricing discounts.
3. Consumer Services (Omatieto): Direct-to-consumer services including Oma luottokielto (credit block) and Tietovahti (information watch) for personal identity protection.
4. Compliance and KYB Services: Services for customer due diligence, PEP/sanction screening, and beneficial ownership verification for regulatory compliance.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Asiakastieto provides credit information, business intelligence, and compliance services to Finnish enterprises and consumers. The company sells business and consumer credit reports, risk assessments, automated credit decisioning, KYC/AML compliance screening, and property information services through contract subscriptions, API integrations, and a direct-to-consumer portal. Its offerings are anchored by a proprietary Finnish credit database built over 100 years.

Product overview

Asiakastieto (Suomen Asiakastieto Oy) is a Finnish credit and business information services provider, operating as part of Enento Group. The company offers a comprehensive suite of data-driven services organized around four core pillars: (1) Business and Consumer Credit Information Services including Riskimittari, Rating Alfa, and credit reports; (2) Decision-Making Automation Services providing automated credit decisions and instant risk assessments; (3) Property Information Services covering real estate data, apartment information, and transaction services; and (4) Consumer Services under the Omatieto.fi brand including Tietovahti (identity protection) and Oma luottokielto (credit blocking). Additional modules include compliance services, ESG reporting, international trade services, sales/marketing tools like Yritysfiltteri and Goava Discover, and certification products. The platform serves both contract customers with API integration capabilities and individual consumers through the Omatieto.fi portal.

Differentiator

Problem solved

Functional benefit

Products and services

• Yritystietopalvelut (Business Information Services) Comprehensive business information services including company reports, credit information, risk assessments, and monitoring for B2B customers across Finland.
• Luottotietopalvelut (Credit Information Services) Credit information services for both businesses and consumers, including credit ratings, payment default records, and creditworthiness assessments.
• Compliance and KYC Services (Compliance ja asiakkaan tunteminen) Customer due diligence and compliance services including beneficial ownership verification, PEP screening, sanctions list checking, and AML/KYC compliance for regulated businesses.
• Kiinteistötietopalvelut (Property Information Services) Real estate and property information services including property data, apartment information, document drafting, and home purchase services for the real estate industry.
• Automated Credit Decisioning (Automaattinen luottopäätös) Automated credit decision service enabling instant decisions based on payment capacity data, scalable from hundreds to hundreds of thousands of decisions annually. Available via API integration for enterprise customers.
• Omatieto.fi Consumer Portal Consumer-facing portal providing individual credit information, identity protection services, and personal data management for Finnish consumers.
• Tietovahti (Identity Protection Monitoring) Identity protection service that monitors credit information queries and alerts users when their data is accessed, including dark web monitoring. Priced at 7.90 EUR/month or 59.40 EUR/year.
• Oma luottokielto (Credit Block Service) Credit blocking service that prevents unauthorized use of personal information for credit applications by displaying a block indicator to creditors. Priced at 19.95 EUR for 2 years.
• Asiakastieto API Integration Services API-based automated solutions for contract customers enabling automated credit decisions, risk monitoring, and integration with customer systems for high-volume enterprise workflows.
• ESG and Sustainability Reporting Services ESG (Environmental, Social, Governance) reporting services helping companies report on sustainability and responsible business practices.

Quantifiable outcome

• Automated credit decisions enable instant 24/7 service across all channels
• +2 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature4 records

Partnerships

One partnership is on record.

• Enento GroupcoreOthersParent company of Suomen Asiakastieto Oy. Enento Group is a Nordic business and credit information company. Asiakastieto operates as the Finnish subsidiary within the Enento Group structure.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• TransUnion: TransUnion is a global consumer credit bureau with European operations providing credit reporting, risk analytics, and identity protection. It is comparable as a broad incumbent whose portfolio overlaps with Asiakastieto's consumer-facing Omatieto.fi and Tietovahti identity-protection offerings.
• Equifax: Equifax is a global consumer credit bureau with European operations offering credit reporting, identity verification, and fraud prevention. It is comparable as a broad incumbent that addresses similar use cases as Asiakastieto's compliance and consumer identity services but at significantly greater scale.
• Experian: Experian is one of the three global consumer credit bureaus with extensive Nordic operations. It is comparable as a broad incumbent offering consumer credit reports, business information, and analytics that overlap with Asiakastieto's services, though at vastly greater scale and with broader geographic scope.
• TietoEVRY: TietoEVRY is a major Nordic IT and digital services company offering financial services software and data solutions. It is comparable as a broad incumbent providing adjacent data services and banking software to the same Nordic financial institution clients that Asiakastieto serves.

Regional players

• Intrum: Intrum is a major Nordic-headquartered credit management and debt collection company operating across Europe. It is comparable because it relies on similar credit data and serves overlapping Nordic enterprise customers, though its core business is debt collection rather than credit information provision.

Direct peers

• UC (Upplysningscentralen): UC is Sweden's leading credit information company, part of Enento Group. It is directly comparable to Asiakastieto because it provides credit reports, business information, and decision-automation services to Swedish enterprises in the same product categories and business model.
• Enento Group: Enento Group Oyj is the publicly listed Nordic parent company of Asiakastieto, operating credit and business information services across Finland, Sweden, Norway, and Denmark under brands including Asiakastieto (Finland), UC (Sweden), and Proff (Norway/Denmark). It is directly comparable because it offers the same credit bureau, compliance, and decision-automation products in adjacent Nordic geographies.
• Creditsafe: Creditsafe is a global business credit reporting and monitoring company with operations across Europe. It is directly comparable because it offers company credit reports, monitoring, and API-driven decision data serving similar B2B use cases as Asiakastieto's Yritystietopalvelut and automated credit decisions.
• Dun & Bradstreet (formerly Bisnode): Dun & Bradstreet acquired Bisnode, a major Nordic business information provider, giving it a strong Nordic footprint. It is directly comparable because it offers business credit reports, risk analytics, and compliance services competing against Asiakastieto in the Finnish market.
• CRIF: CRIF is an Italian-headquartered global credit bureau and business information group operating across Europe. It is directly comparable because it provides credit reporting, business information, and KYC/AML compliance services in overlapping customer segments with Asiakastieto.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/asiakastieto
• Facebookfacebook.com/suomenasiakastietooy
• LinkedInlinkedin.com/company/suomen-asiakastieto-oy
• Instagraminstagram.com/asiakastieto

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&A

Investments1 record

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

Frequently asked questions about Asiakastieto