What Julianus Inkasso does

Julianus Inkasso OÜ is an Estonian private limited company founded in 1995 in Tallinn, specializing in debt collection, judicial recovery, and international collection services. The company is the largest player in Estonia by civil-proceedings share, initiating approximately 40% of all Estonian civil proceedings and administering more than 1.4 million active debt claim proceedings. It is a subsidiary of Aktiva Finance Group, which employs nearly 200 people across Estonia, Latvia, Lithuania, and Poland. Julianus serves as the market-leading collection partner for Estonian blue-chip enterprises across telecom, banking, logistics, healthcare, and public-sector segments, and operates a self-service platform for individual and small-business creditors alongside a debtor-facing portal.

The company's core product set includes E-Inkasso (an online platform for creditors to submit and monitor debt claims in real time), a debtor self-service portal with national e-identity authentication, domestic pre-litigation collection, judicial collection, international collection through a 180-country partner network, and debt-portfolio purchasing. The technology stack combines AI-driven automation, tens of thousands of process templates derived from historical concluded proceedings, Taust.ee credit register integration, and full data-exchange interfaces for major clients. Differentiation rests on the scale of the Estonian debtor database, regulatory position as the largest private claimant in Estonian enforcement proceedings, and the breadth of its Baltic partner and international agent networks.

Julianus generates revenue through success-based pre-litigation collection fees (regulated under the Estonian Obligations Act), hourly billing for judicial proceedings, and margin on debt portfolio purchases. Go-to-market combines direct enterprise sales, a self-service E-collection platform, and a 24/7 debtor portal. Recent consolidation activity includes the 2019 acquisition of AS Lowell Estonia (formerly AS Lindorff) and the merger of Intrum Estonia AS and Castovanni OÜ into the Julianus entity, alongside leadership refresh at CEO and Sales Director level.

Name

Julianus Inkasso

Legal name

Julianus Inkasso OÜ

Website

https://julianus.ee

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

1–10 employees

Short description

Julianus Inkasso is an Estonian market-leading debt collection firm founded in 1995, serving enterprise creditors (telecom, banking, healthcare, logistics, public sector) and individual debtors with pre-litigation, judicial, international, and portfolio-purchase collection services across the Baltics and 180 countries.

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

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

akta.pro secondary industries

International & Cross-Border Collections (FSAKAJAO), Debt Buying / Portfolio Acquisition & Recovery (Debt Purchasers) (BPAAAEAG), Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH)

Keywords

• Debt collection services
• Creditor recovery solutions
• Judicial debt enforcement
• International debt collection
• Debt portfolio purchase

Headquarters

HQ city

Tallinn

HQ country

Estonia

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Pre-litigation Debt Collection Fees: In pre-litigation debt proceedings, clients only pay for actual results - Julianus bills upon receipt of payment from the debtor.
2. Judicial Collection Services: Hourly fee-based billing for judicial proceedings including civil actions, expedited order procedures, and enforcement representation.
3. Debt Portfolio Purchase: Julianus purchases debt portfolios from clients, transforming credit losses into cash flow for clients.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Julianus Inkasso is the leading debt collection firm in Estonia and the Baltics, providing pre-litigation and judicial debt recovery, international cross-border collection, and debt portfolio purchasing services. The company operates an online E-Collection platform for creditors to submit and monitor debt claims in real time, a self-service portal for debtors, and automated data exchange APIs for enterprise clients. Founded in 1995, the firm administers Estonia's largest database of active claims and initiates roughly 40% of all Estonian civil proceedings, collecting over 103 million euros per year on behalf of clients.

Product overview

Julianus Inkasso operates as a comprehensive debt collection and credit management platform offering both creditor-facing and debtor-facing services. The core offering consists of E-Inkasso for creditors to submit and monitor debt claims, and a Self-Service Portal for debtors to manage payments. Supporting services include domestic debt collection, international collection (with partners in 180 countries), judicial collection, and debt portfolio purchasing. The platform also provides utility tools including a debt calculator and public debtor listing (Wall of Shame). The company uses AI and automation extensively for case processing and employs the largest debtor database in Estonia.

Differentiator

Problem solved

Functional benefit

Products and services

• E-Inkasso (E-Collection) Online portal enabling creditors to submit debt claims for collection, monitor proceedings in real-time 24/7, and receive payments directly. Provides automated data exchange capabilities for large clients via API.
• Self-Service Portal (Iseteenindus) Web-based portal for debtors to view debt information, check outstanding balances, make payments, set up payment agreements, adjust due dates, update contact details, and submit inquiries. Authentication supported via Estonian ID Card, Mobile-ID, Smart-ID, and major Estonian internet banks.
• Domestic Debt Collection Pre-litigation and extrajudicial debt collection services within Estonia, handling all debt claims from small individual claims to large debt portfolios. Fees are charged only upon receipt of payment from the debtor.
• International Collection Cross-border debt collection services with professional teams in Tallinn, Riga, and Vilnius, and effective partners in 180 countries globally. Charges only upon receipt of payment from the debtor.
• Judicial Collection Legal debt collection including civil proceedings, expedited order for payment procedures, actions, and subsequent enforcement proceedings. Julianus represents nearly 40% of all civil proceedings in Estonia. Hourly fee-based billing applies.
• Purchase of Debt Portfolios Debt portfolio purchasing service helping clients transform credit losses into cash flow. Julianus purchases receivables at various stages from recently overdue to enforcement proceedings.
• Debt Calculator Online calculator showing additional costs including interest, court fees, enforcement fees, and bailiff charges when debts proceed through judicial enforcement.
• Wall of Shame (Häbipost) Public list of debtors with registration numbers, displaying most recent additions and largest debtors for transparency and pressure to pay.

Quantifiable outcome

• Over 37 million euros returned to clients in 2019 (15% increase from 2018)
• +3 more outcomes

Named customers9 records

Segments2 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability3 records

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• Aktiva Finance GroupcoreStrategic or Co-development PartnerParent company of Julianus Inkasso. Aktiva Finance Group offers financial services for individual needs. With operations in Estonia, Latvia, Lithuania, and Poland, the group employs nearly 200 people dedicated to developing financial infrastructure from payments to debt collection.
• International Collection PartnerscoreChannel Partner/ Reseller/ DistributorNetwork of effective partners in 180 countries around the world for international debt collection services, enabling cross-border debt recovery.

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• PRA Group: US-listed global debt buyer and collection operator with European operations. Comparable in business model (NPL purchasing + servicing) and customer base, though larger and geographically broader than Julianus.
• EOS Group: Germany-headquartered international debt collection group with operations across Europe including the Baltics. Comparable as a B2B third-party collection agency serving banks, utilities, and public-sector creditors — similar customer profile to Julianus.
• Intrum: Pan-European debt collection and credit management leader with the largest footprint in the Nordics and Baltics. Directly comparable as a third-party collection agency serving consumer and commercial creditors, with prior ownership of Intrum Estonia (which Julianus absorbed).
• B2 Holding ASA: Norwegian NPL and debt collection acquirer with pan-European operations. Comparable in that it both purchases debt portfolios and runs collection operations — a business-model twin to Julianus's debt buying + fee-for-service offering.
• Lowell: European credit management and debt purchase group operating in the UK, DACH, and Nordics. Directly comparable — Lowell's Estonian arm (formerly AS Lindorff) was acquired by Julianus in 2019, evidencing direct competitive overlap.
• Hoist Finance: Swedish specialist in non-performing loan (NPL) portfolio acquisitions and debt collection across Europe. Directly comparable to Julianus's debt portfolio purchase business line, with a similar creditor-customer base in banks and consumer lenders.

Others

• Taust.ee: Estonian credit registry integrated into Julianus's self-service portal for background checks and payment default monitoring. Comparable as a credit information / data provider that the debt collection workflow depends on, not a direct competitor.
• Aktiva Finance Group: Parent group of Julianus Inkasso, providing financial infrastructure from payments to debt collection across the Baltics and Poland. Relevant as the parent ecosystem and shared-services partner rather than a direct competitor.

Regional players

• Kredinor: Norway's leading debt collection and credit information company, owned by the Nordic financial services group. Comparable service offering (consumer and commercial collections, debt purchase, credit information) but focused on Norway rather than the Baltics.

Broad incumbents

• Arvato Financial Solutions: Bertelsmann-owned global BPO and financial services provider, offering debt collection as part of a wider credit-management portfolio. Comparable capability for enterprise creditors but as part of a much broader services suite rather than a specialized collection firm.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/profile.php
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• Xx.com/julianusinkasso

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries2 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 Julianus Inkasso