What TESTAVIVA does

TestaViva ApS is a Danish digital legal document platform founded in 2016 and headquartered in Copenhagen, serving Danish consumers, families, and small businesses. The company operates a self-service SaaS platform that enables users to generate legally binding documents — including wills (testamente), children's wills, future powers of attorney (fremtidsfuldmagt), marriage contracts (ægtepagt), cohabitation and co-ownership agreements, buyer advisory for property purchases, company formation documents (ApS/A/S, ejeraftale, direktørkontrakt), and property transfer deeds — through guided online questionnaires. Completed documents are signed digitally using MitID, Denmark's national digital identity infrastructure, and stored in the customer's TestaViva profile. The platform also includes a digital estate administration (dødsbobehandling) workflow that gives heirs a shared view of tasks, deadlines, documents, payments, and communications across probate, plus a Samtalekort (conversation cards) tool for family discussions about inheritance and future planning.

The underlying technology is a web-based SaaS stack with a questionnaire-to-document engine, MitID signature integration, a customer document portal, and a workflow module for estate processing. The company employs approximately 60-65 staff across senior jurists, stud.jur, customer advisors, customer service, sales, marketing, technology, and finance. Regulated legal services for estate administration and company formation are delivered in collaboration with external law firm Invictus Advokater, which holds mandatory professional liability insurance (30 million DKK annual coverage via CNA Hardy). Marketing and CRM run on HubSpot, with paid acquisition across Google Ads, Microsoft Advertising, and Meta, alongside a large SEO-driven Danish-language legal article library.

TestaViva's business model combines one-time document fees, paid advisory consultations with lawyers (sold via phone and digital onboarding), and a B2B2C partner referral channel through nearly every major Danish retail bank and pension provider — Nordea, Danske Bank, Nykredit, Sydbank, Sparekassen Danmark, Danica Pension, Topdanmark, AP Pension, and Nordnet — which offer customers preferential pricing of up to 40% on bundled products. The company serves three primary segments: individuals and families (family law and inheritance planning), home buyers and property owners (housing and property law), and small business owners (company formation and governance). TestaViva is privately held, with Danish private equity firm Dansk Ejerkapital as primary owner alongside CEO Kenneth Krabbe and co-founder Michael Lauritzen.

Name

TESTAVIVA

Legal name

TestaViva ApS

Website

https://testaviva.dk

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

TestaViva is a Danish digital legal document platform serving Danish individuals, families, and small businesses. It offers wills, powers of attorney, marriage contracts, housing buyer advisory, company formation, and digital estate administration through a self-service SaaS platform with MitID signing and bank partner referrals.

Ownership category

akta.pro rank

Headquarters

HQ city

Copenhagen

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Digital Legal Document Sales: One-time fees for digital legal documents (wills, cohabitation agreements, company formation documents, etc.) created through the self-service platform. Documents are available for download from the customer's TestaViva profile after purchase.
2. Legal Advisory Consultation: Fees for telephone consultations with experienced lawyers who provide personalized legal advice and guidance. May include ongoing advisory for estate processing or complex document needs.
3. Partner Referral Revenue: B2B2C model through banking and insurance partners who refer customers to TestaViva, offering documents at preferential rates. Partners include Nordea, Sydbank, Danske Bank, Nykredit, Sparekassen Danmark, Danica Pension among others.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

TestaViva operates a Danish digital legal-document platform that lets consumers and small-business owners create, review, and MitID-sign wills, powers of attorney, marriage contracts, housing agreements, company-formation documents, and estate-administration paperwork. The platform combines a guided self-service questionnaire with optional consultations from in-house lawyers and is distributed directly to consumers and through partnerships with major Danish banks and pension providers.

Product overview

TestaViva is a digital legal document platform offering a comprehensive suite of legal services organized into four main categories: Familie & Arv (Family & Inheritance), Bolig (Housing/Property), Erhverv (Business), and Dødsbobehandling (Estate Administration). The core platform enables users to create legally binding documents through guided digital processes with MitID signature capability. The Familie & Arv category includes wills, children's wills, powers of attorney, and marriage contracts. The Bolig category covers buyer advisory services, co-ownership agreements, and property transfer documentation. The Erhverv category provides company formation services (ApS, A/S, sole proprietorships) and corporate document management. The Dødsbobehandling service offers a digital estate administration platform. Additional offerings include Samtalekort (conversation cards) for family discussions about inheritance.

Differentiator

Problem solved

Functional benefit

Products and services

• Testamente (Will) Online creation, review, and MitID-signing of a Danish will (testamente) for individual consumers, including guidance through an automated questionnaire and optional legal review.
• Børnetestamente (Children's Will) Online creation of a children's will (børnetestamente) allowing parents to document guardianship wishes and inheritance provisions for minors, digitally signed with MitID.
• Fremtidsfuldmagt (Power of Attorney) Online creation of a Danish fremtidsfuldmagt (future power of attorney) that allows a designated representative to manage personal and financial matters if the grantor becomes incapacitated.
• Ægtepagt (Marriage Contract) Online creation of an ægtepagt (marriage contract) for Danish couples who want to opt out of default marital property rules, signed digitally via MitID.
• Pensionsægtepagt Online creation of a pensionsægtepagt, a marriage-contract variant that specifically governs the division of pension assets between spouses.
• Aftale om arveafkald Online creation of a formal inheritance-renunciation agreement (aftale om arveafkald) for heirs who want to waive their inheritance rights.
• Arveforskud Online creation of an arveforskud (advance inheritance) agreement, documenting early distributions to heirs that count against their eventual share.
• Gældsbrev Online creation of a gældsbrev (private loan agreement) for individuals lending or borrowing money with documented repayment terms.
• Gavebrev Online creation of a gavebrev (gift deed) for individuals documenting a gift, including any conditions such as advancement against inheritance.
• Ophævelse af ægtepagt Online creation of a document dissolving an existing ægtepagt (marriage contract) between spouses.
• Samtykke til uskiftet bo

Quantifiable outcome

• Up to 40% savings when combining products in a package solution through partner channels
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

13 partnerships are on record, tiered core, major and minor.

• NordeacoreChannel Partner/ Reseller/ DistributorMajor Danish bank that partners with TestaViva to offer legal document services to its customers. Nordea customers receive preferential pricing (advantage discounts) on TestaViva's legal documents. TestaViva is featured on Nordea's partner/platform offerings.
• SydbankcoreChannel Partner/ Reseller/ DistributorDanish regional bank that partners with TestaViva to offer legal document services to its customers. Sydbank customers receive preferential pricing on TestaViva's legal documents through the bank's partner program.
• Danske BankcoreChannel Partner/ Reseller/ DistributorMajor Danish bank partnering with TestaViva to provide legal document services to Danske Bank customers with preferential pricing through advantage discount programs.
• NykreditcoreChannel Partner/ Reseller/ DistributorDanish bank and mortgage provider partnering with TestaViva to offer legal document services to Nykredit customers with preferential partner pricing.
• Sparekassen DanmarkcoreChannel Partner/ Reseller/ DistributorDanish savings bank partnering with TestaViva to offer legal document services to its customers with preferential pricing through partner advantage programs.
• Danica PensionmajorChannel Partner/ Reseller/ DistributorDanish pension company partnering with TestaViva to offer legal document services to Danica Pension customers with preferential pricing through the partner advantage program.
• Vestjysk BankminorChannel Partner/ Reseller/ DistributorDanish regional bank partnering with TestaViva to offer legal document services to its customers with preferential pricing through partner advantage programs.
• Sparekassen ThyminorChannel Partner/ Reseller/ DistributorDanish regional savings bank partnering with TestaViva to offer legal document services to its customers.
• MerkurminorChannel Partner/ Reseller/ DistributorDanish ethical bank partnering with TestaViva to offer legal document services to its customers.
• TopdanmarkminorChannel Partner/ Reseller/ DistributorDanish insurance company partnering with TestaViva to offer legal document services to Topdanmark customers with preferential pricing.
• AP PensionminorChannel Partner/ Reseller/ DistributorDanish pension company partnering with TestaViva to offer legal document services to AP Pension customers with preferential pricing.
• NordnetminorChannel Partner/ Reseller/ DistributorDanish online investment platform partnering with TestaViva to offer legal document services to Nordnet customers with preferential pricing.
• Invictus AdvokatercoreImplementation/ SI/ Consulting PartnerTestaViva collaborates with Invictus Advokater as a subcontractor for estate processing (dødsbobehandling) and company formation (stiftelse af selskaber). Invictus has established a separate client account for these services and holds mandatory professional liability insurance.

Scale indicators4 records

Recent moves7 records

Expansion highlights4 records

Broad incumbents

• Advodan: Largest Danish law firm chain offering family law, housing, business, and estate services through a physical+online network. Comparable because it serves the same Danish legal service categories as TestaViva, but operates primarily through traditional legal advisors rather than a digital-first platform.
• LegalZoom: Large US-headquartered online legal services platform offering wills, business formation, contracts, and attorney consultations via guided digital flows. Comparable in product model (self-service legal documents plus optional lawyer access) but operates at much larger scale and primarily in the US market.
• Rocket Lawyer: International online legal services company offering document creation, legal advice subscriptions, and attorney consultations across multiple jurisdictions. Directly comparable on business model (online document platform + lawyer access), though it serves broader geographies and includes subscription-style pricing.

Others

• DocuSign: Global agreement cloud platform providing e-signature, contract lifecycle management, and document automation. Comparable as adjacent enabling technology (TestaViva leverages MitID for e-signature in a similar way DocuSign powers signature flows), but operates at a much broader scope and serves enterprise legal teams rather than end consumers.

Direct peers

• Legaldesk: Danish online legal document platform offering wills, powers of attorney, and consumer legal templates via guided digital workflows. Directly competes with TestaViva in the same Danish market, serving the same SMB/consumer segment with a similar self-service digital model.

Emerging players

• Avokaado: Estonian contract lifecycle management and legal document automation platform used by SMBs and law firms in Northern Europe. Comparable in technology (digital document workflows, templated legal content) and overlapping customer segment (SMB/consumer-facing legal work), though its primary focus is business contracts rather than family/estate.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/testaviva
• LinkedInlinkedin.com/company/testaviva-dk

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 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 TESTAVIVA