Name

Collection House

Legal name

Collection House Ltd

Website

https://collectionhouse.co.uk

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Commercial Debt Recovery Services

NAICS

Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

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

akta.pro secondary industries

Legal Collections Support (Pre-Lit, Litigation Admin, Judgment Recovery) (BPAAAEAH), Late-Stage / Hard Collections (Charge-Off, Litigation Prep Support) (BPAAAEAD)

Keywords

• Commercial debt recovery
• Insolvency book debt
• Construction debt collection
• Credit management services
• Tracing and investigation

Headquarters

HQ city

Trowbridge

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Debt Collection Commission: Commission-based fees charged on successful debt recovery. Commercial debt recovery typically charges 15% commission, insolvency book debt typically charges 20% commission. Operates on a 'No Collection, No Fee' basis.
2. Letter Fees: Fees for issuing overdue payment reminder letters on behalf of clients. Tiered structure: 10% for debts £250-£1,000, 5% for £1,000-£5,000, 4% for £5,000-£10,000, 3% for £10,000-£25,000, 2% for debts above £25,000.
3. Insolvency Book Debt Commission: Commission fee of 20% for recovering book debts from insolvent estates, operating on no collection, no fee basis.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Collection House is a UK commercial debt collection agency that recovers unpaid business invoices on behalf of clients on a no-collection-no-fee basis. Its core offerings include commercial debt recovery (15% commission), construction and engineering sector debt recovery (98% success rate), and insolvency book debt recovery (20% commission), supplemented by overdue payment reminder letters, tracing and investigation, company credit checks, and legal escalation services. The firm has recovered over £520 million for 2,500+ active clients across UK and international markets.

Product overview

Collection House is a UK-based commercial debt collection agency offering a suite of integrated credit management and debt recovery services. The core offering consists of Commercial Debt Recovery Services, supplemented by specialist vertical-focused services for Construction & Engineering and Insolvency Book Debt. Additional services include Overdue Payment Reminder Letters, Tracing & Investigation, Company Credit Checks, and Legal Services. The company operates on a no-collection, no-fee basis with typical commission rates of 15% for standard commercial debt and 20% for insolvency book debt.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Debt Recovery Services Primary service for businesses seeking to recover unpaid commercial invoices. Operates on a no-collection, no-fee basis with a 15% commission rate on successful recovery and reclaims late payment fees on behalf of clients.
• Construction & Engineering Debt Collection Specialist debt recovery service for the construction and engineering sector, including retention payment recovery and Construction Act enforcement. Reports a 98% success rate on undisputed cases in 2024.
• Insolvency Book Debt Collections Specialist service for insolvency practitioners recovering book debts from insolvent estates. Charges 20% commission on a no-collection, no-fee basis with a 93% success rate and a 7-day collection cycle.
• Small Business Debt Collection Cost-effective debt recovery solutions for small businesses, retailers, freelancers, and startups. Includes 24/7 online reporting, no minimum debt threshold, and volume referral discounts, with a 97% success rate on undisputed debts.
• Overdue Payment Reminder Letters Reminder letter service issued on behalf of clients to prompt payment. Uses tiered percentage-based fees ranging from 10% for debts under £1,000 to 2% for debts above £25,000, with no additional fees if the letter provokes immediate payment.
• Tracing & Investigation Services Debtor location service using specialist trace agents. Includes address traces, express traces, employment status reports, business traces, international traces, and asset searches.
• Company Credit Checks One-off business credit report service providing company registration details, director information, credit scores, late payment behaviour, CCJs, and financial stability indicators for UK and overseas companies.
• Legal Services Legal escalation and debt recovery services including high court enforcement, winding-up proceedings, and Section 122 Insolvency Notices. Delivered through a carefully selected panel of specialist solicitors with reduced legal rates due to high referral volume.

Quantifiable outcome

• 98% success rate on undisputed debts
• +7 more outcomes

Named customers13 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered minor and core.

• Fire Industry Association (FIA)minorChannel Partner/ Reseller/ DistributorCollection House was part of an FIA initiative where Fire Industry Association members could use their debt collection services. One case was referred through this partnership, with the client stating they were 'glad we did as very easy to deal with and some great results on some difficult older debts.'
• Panel SolicitorscoreImplementation/ SI/ Consulting PartnerCollection House has a carefully selected panel of specialist solicitors for legal escalation when standard debt collection methods fail. They maintain relationships with law firms and enforcement agents to provide seamless legal services from instruction to conclusion with reduced legal rates due to high referral volume.
• Panel Trace AgentscoreTechnology or IntegrationCollection House uses a panel of specialist trace agents who provide accurate information with competitive turnaround times and high success rates for locating debtors who have absconded or are difficult to contact.
• Moore Kingston Smith LLPminorStrategic or Co-development PartnerInsolvency practitioner firm that regularly instructs Collection House to collect ledgers on behalf of insolvent estates. Their partner Ryan Davies provides testimonial: 'Whether the associated debts are large and complex or straightforward small debts, Collection House consistently deliver exceptional results.'

Scale indicators5 records

Recent moves4 records

Expansion highlights5 records

Broad incumbents

• Cabot Credit Management: Cabot is a major UK debt purchaser and servicer with significant scale. Competes with Collection House in adjacent areas of consumer and commercial debt recovery, though Cabot primarily purchases rather than only collecting on commission.
• Lowell Group: Lowell is one of the largest UK debt management businesses handling both purchased debt portfolios and third-party collections. Much larger scale than Collection House but operates in the same broader industry with overlapping competitive overlap on commercial collections.
• PRA Group: PRA Group is a global debt purchaser and collector operating in the UK. Comparable industry, though bigger scale and a portfolio-acquisition model rather than pure commission-based third-party collection.
• Capita (Credit Services): Capita is a large UK BPO that provides outsourced credit management, collections, and recovery services within a much broader portfolio. Comparable overlap on collections and back-office services, but at much larger scale.
• Experian UK: Experian is a global credit bureau that also offers commercial collections and debt recovery services. Overlaps with Collection House's credit-check and data-led services, though at vastly greater scale.

Direct peers

• Frontline Collections: Frontline Collections is a UK commercial debt recovery agency serving SMEs and corporates with no-win-no-fee commercial collections. Closely comparable to Collection House in service mix, target segments, and commission-based pricing.
• Moorcroft Debt Recovery: Moorcroft is a UK-based commercial debt collection agency offering B2B debt recovery, legal escalation, and credit management services. Directly comparable to Collection House in customer base (SMB to enterprise), commission-based pricing model, and UK operating focus.
• ARK Solutions (formerly ARK Debt Recovery): ARK Solutions is a UK commercial debt collection firm offering commercial debt recovery, legal services, and tracing. Overlaps directly with Collection House on product scope and customer base.
• Stirling Park debt collection: Stirling Park is a UK commercial debt collection agency targeting SMEs and corporate clients. Similar proposition to Collection House with no-collection-no-fee structures and B2B focus.

Emerging players

• Creditsafe: Creditsafe provides business credit reports and monitoring used in debtor assessment. Collection House already offers one-off company credit checks as an add-on, so Creditsafe is a comparable / potentially enabling peer in the credit information segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/collection-house-limited

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Collection House