SMB Tjenester

What SMB Tjenester does

SMB Tjenester AS is a Norwegian purchasing consortium founded in 1998 that negotiates collective supplier agreements on behalf of approximately 2,500 small and medium-sized business members across Norway. The company operates a membership-based model where members pay annual fees (2,100 NOK for businesses with up to 3 employees; 4,200 NOK for 4+ employees) and gain access to over 25 pre-negotiated contracts across categories including insurance, pensions, travel, IT services, energy, fuel, workwear, office supplies, legal services, and debt collection. A money-back guarantee ("Garantert lønnsomt") refunds the membership fee if savings do not exceed the cost within the first year.

The company delivers service through a small internal team of 6-8 personnel, including personal advisors who provide needs assessments and procurement analysis at no additional cost. Advisors receive no commission, ensuring unbiased recommendations. The technology footprint is minimal: a WordPress-based website with member-facing content, contact forms, and newsletter distribution, with no proprietary software, API, or mobile application. The company holds GDPR compliance certification and operates exclusively within Norway.

The strategic model is relationship-driven rather than technology-driven. Recent growth vectors include the June 2025 launch of SMB Skolen (a training/education platform in partnership with Folkeuniversitetet) and October 2025 partner additions in IT services (Intelli) and commercial vehicles (Slatlem AS). The company is privately held with no disclosed external funding, owned and managed by its founders and executives, and does not appear to have institutional or venture capital backing.

Name

SMB Tjenester

Legal name

SMB Tjenester AS

Website

https://smb.no

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

1–10 employees

Short description

SMB Tjenester AS is a Norwegian purchasing consortium founded in 1998 that negotiates collective supplier agreements on behalf of approximately 2,500 small and medium-sized business members, providing access to over 25 pre-negotiated contracts across insurance, IT, travel, energy, and operational services.

Ownership category

akta.pro rank

Product category

Group Purchasing Organization Services

SIC

Services-Membership Organizations (8600)

akta.pro primary industry

SME-Focused & Midmarket TMCs (THACAAAB)

akta.pro secondary industries

Corporate/SME Air Content Distribution & TMC Enablement (THABAJAM), SME/Regional Corporate Travel Agencies (THAKACAC)

Keywords

• Purchasing consortium services
• Group buying organization
• SMB membership benefits
• Negotiated supplier contracts
• Business cost reduction

Headquarters

HQ city

Sogndal

HQ country

Norway

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Annual Membership Fees: SMB Tjenester generates revenue through annual membership fees paid by small and medium-sized businesses. Members receive access to over 25 pre-negotiated supplier contracts with volume-based pricing. The membership fee is justified by cost savings achieved through these negotiated deals, with a money-back guarantee if savings don't exceed membership cost within the first year.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

SMB Tjenester is a Norwegian purchasing consortium and membership organization that negotiates collective, volume-based pricing on supplier contracts for small and medium-sized businesses. Members pay an annual fee to access more than 25 pre-negotiated agreements covering insurance, travel, IT and telecom, pensions, energy and fuel, office supplies, workwear, tools, legal services, debt collection, and training. A dedicated personal advisor guides each member through the contracts, backed by a money-back guarantee that refunds the membership fee if savings do not exceed it in the first year.

Product overview

SMB Tjenester is a purchasing consortium for small and medium-sized businesses in Norway, active since 1997. Rather than a single software product, it offers a membership-based platform providing access to over 25 pre-negotiated supplier agreements. The core product is the SMB Tjenester Medlemskap, bundled with a personal advisor service and a profitability guarantee. The portfolio includes add-on benefit modules across travel (Norwegian, Hertz, Strawberry, Thon), IT & telecom (Telia, Konica Minolta, Intelli, Ren Røros, Release), insurance (AIG, Matrix Insurance, Vertikal Helse), pension (DUVI Pensjon), energy & fuel (Circle K, Fujitsu, Slatlem), office supplies (Norengros), workwear & tools (Ahlsell), legal (Bjerkan Stav), debt collection (Kreditorforeningen), and training (SMB Skolen via Folkeuniversitetet).

Differentiator

Problem solved

Functional benefit

Brands

• SMB Skolen: A training and education offering for members in collaboration with Folkeuniversitetet, providing courses in leadership development, Norwegian language, HSE, and more.

Products and services

• SMB Tjenester Medlemskap (Annual Membership) Annual membership program providing SMB Tjenester members access to over 25 pre-negotiated supplier agreements covering insurance, travel, IT, energy, pension, office supplies, and advisory services. Members receive a dedicated personal advisor and a guaranteed profitability guarantee — membership fee refunded if savings are not earned within the first year. Pricing: 2,100 NOK per year for businesses with up to 3 employees; 4,200 NOK per year for businesses with 4 or more employees.
• SMB Skolen (Training & Competency Platform) Training and competency platform for SMB Tjenester members, delivered in partnership with Folkeuniversitetet. Offers Norwegian language courses, HMS (health and safety) courses, and leadership development programs at member-discounted prices. Leadership development modules priced at 10,900 NOK per module versus 16,900 NOK regular price.
• Din egen rådgiver (Personal Advisor Service) Dedicated personal advisor assigned to each member, providing guidance on all available benefits, contract reviews, and procurement analysis at no additional cost to members. Free initial consultation through innkjøpsanalyse (procurement analysis) to demonstrate value.

Quantifiable outcome

• Member saved 55,000 NOK on a single contract annually
• +3 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

Eight partnerships are on record, tiered core.

• FolkeuniversitetetcoreStrategic or Co-development PartnerPartnership for SMB Skolen (SMB School) providing training and competency programs to SMB Tjenester members. Offers courses in Norwegian language, leadership development, HMS (health and safety), and industry-specific training. Members receive 5% discount on courses plus member-specific pricing on leadership development courses (10,900 NOK per module vs 16,000 NOK regular price).
• AIGcoreTechnology or IntegrationProvides travel insurance to members with 30% member discount (1,050 NOK per person/employee annually including family vs 1,500 NOK regular). Insurance includes comprehensive coverage for illness, travel delays, cancellation, baggage, and liability. Also offers business travel insurance (320 NOK per person).
• Matrix InsurancecoreTechnology or IntegrationPreferred partner for occupational injury insurance and general business insurance. Offers competitive pricing and the Aktivt Skadereduserende Program (ASP) for quick rehabilitation. Includes 'Second Opinion' for cancer diagnosis. Also provides construction guarantees, deposit guarantees, and tax deduction guarantees.
• NorwegiancoreTechnology or IntegrationProvides flight discounts to members and employees. Members receive up to 18% discount on flights. Each member company has unique contract codes for employee use. Fast-Track included for both business and private travel.
• Circle KcoreTechnology or IntegrationFuel and charging partner with pump price discounts for vehicles under 3,500 kg. Separate truck card rates for vehicles over 3,500 kg. Electric charging at stations, workplace, and home charging consolidated on single invoice. Full fleet management portal.
• NorengroscoreTechnology or IntegrationNorway's largest supplier of consumables. Members receive dedicated pricing lists and up to 50% discount on additional products. 37 wholesale stores nationwide through 13 regional businesses. Covers office supplies, packaging, cleaning, catering, medical supplies, furniture.
• AhlsellcoreTechnology or IntegrationWorkwear and tools supplier with nationwide stores. Members receive discounts on Helly Hansen, Snickers, Bekken & Strøm workwear and Ironside, Bosch, Milwaukee tools. Includes profiling/customization services.
• Duvi PensjoncoreTechnology or IntegrationPension provider with transparent pricing and no hidden costs. Offers easy digital administration, competitive fees, and personal consulting. Integration with accounting systems including Fiken. Members receive unique pricing.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Regional players

• ICA Gruppen: Swedish retail cooperative that negotiates collective terms with suppliers on behalf of affiliated independent retailers. Shares the consortium/membership model logic but operates in Swedish grocery retail rather than Norwegian SMB cross-category purchasing.
• Kesko: Finnish retail cooperative with K-retailer affiliates benefiting from centralized procurement and supplier negotiations. Similar collective-purchasing model for SMB members, though operating in Finland and focused on retail rather than Norwegian cross-industry SMB services.
• Handelsbanken: Swedish bank with deep Nordic SMB relationships and high-touch branch-based advisory model. Comparable relationship-led SMB service approach in the Nordic market, though focused on banking rather than cross-category purchasing.

Emerging players

• Pleo: Tech-enabled SMB spend management platform that embeds procurement controls and supplier benefits directly into company cards. Represents the emerging digital alternative to traditional consortium models like SMB Tjenester, with potential to disintermediate traditional purchasing alliances.

Broad incumbents

• NorgesGruppen: Norway's largest retail cooperative with affiliated SMB retailers benefiting from collective purchasing power. Uses the same consortium logic as SMB Tjenester — aggregating volume across many small members to negotiate supplier terms — but operates in grocery retail rather than cross-industry SMB services.
• SpareBank 1: Norwegian alliance of savings banks serving SMBs with bundled banking, insurance, and advisory services. Comparable SMB-focused service bundling approach with collective offerings, though in financial services rather than procurement.
• If Skadeforsikring: Nordic P&C insurance carrier with strong Norwegian SMB presence. Competes for the same Norwegian SMB insurance wallet that SMB Tjenester channels through Matrix Insurance partners, often through direct SMB distribution rather than consortium intermediation.
• Gjensidige: Norway's largest general insurance company with a strong SMB customer base and direct distribution model. Adjacent in that it competes with one of SMB Tjenester's flagship partner categories (insurance via Matrix/AIG) and reaches the same Norwegian SMB segment.
• Coop Norge: Norwegian consumer/retail cooperative with member businesses that benefit from shared procurement and supplier agreements. Comparable collective-purchasing model, though scoped to retail rather than the broader SMB cross-industry focus of SMB Tjenester.
• Tryg: Nordic general insurance carrier with significant Norwegian SMB penetration. Competes directly for the SMB insurance budget that SMB Tjenester routes through Matrix Insurance and AIG partnerships, representing the disintermediation risk for consortium model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/smbtjenester

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 SMB Tjenester