Inkasso

Name

Inkasso

Legal name

Inkasso ehf.

Website

https://www.inkasso.is/

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121)

SIC

Finance Services (6199), Services-Prepackaged Software (7372)

akta.pro primary industry

Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ)

akta.pro secondary industries

Accounts Receivable (Invoicing, Cash Application, Deductions) (BPAAAGAB), A2A Bill Pay & eInvoicing (Open Banking Enabled) (FSAMAFAL), A2A Payouts & Disbursements (FSAMAFAG)

Keywords

• Debt collection services
• Credit management
• Receivables management
• Debt factoring
• Billing services

Headquarters

HQ city

Reykjavík

HQ country

Iceland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Revenue model

1. Collection Fees from Debtors: Debt collection fees are charged to debtors (not creditors) in accordance with the Maximum Debt Collection Fee Regulation. Fees vary based on claim amount and collection stage (debt collection notice, primary collection letter, phone call, payment plan agreement). This is the primary revenue stream.
2. Invoice/Billing Fees: Fees for invoice generation, printing/postage, electronic invoices, and transmission to internet banking accounts charged to creditors for billing services
3. Debt Factoring/Funding: Modern debt funding service where Inkasso finances up to 70-90% of qualifying claims same-day, charging a fee of typically 2.5% for the funding service

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Inkasso ehf. provides outsourced debt collection, credit management, and invoicing/billing services to Icelandic businesses (creditors), handling the full receivables lifecycle from initial reminder through legal collection. The company packages its offering in three tiers — Inkasso Strax (startup/light usage), Inkasso Meira (growing businesses), and Inkasso Mest (high-volume with full automation) — and supplements core collection with debt factoring (advancing 70–90% of the receivable) and legal recovery via its subsidiary Gjaldheimtan. End customers include both Icelandic businesses (creditors) and individual consumers (debtors reached through digital portals).

Product overview

Inkasso operates a unified debt collection platform with three service tiers (Inkasso Strax, Meira, and Mest) designed for different company sizes and needs. The platform is complemented by a proprietary Debtor Portal for self-service payments and a Creditor Portal for claim management. An affiliated subsidiary, Gjaldheimtan, provides legal collection services for court proceedings. A modern debt financing product allows creditors to convert outstanding claims into immediate cash (70-90% funding). The company maintains direct integrations with all major Icelandic accounting systems (Microsoft Dynamics suite, Uniconta, DK Hugbúnaður) and internet banking platforms for seamless claim creation and invoice delivery.

Differentiator

Problem solved

Functional benefit

Brands

• Inkasso Strax: Small-scale debt collection service for individuals in business operations or small companies needing to issue invoices or create bank claims.
• Inkasso Meira
• Inkasso Mest

Products and services

• Inkasso Strax

Quantifiable outcome

• 98% creditor satisfaction
• +3 more outcomes

Named customers4 records

Segments4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Festa - Miðstöð um samfélagsábyrgðcoreStrategic or Co-development Partner · 1 August 2021Festa is the Centre for Corporate Social Responsibility in Iceland, established 2011. Inkasso joined in August 2021 as the first debt collection company member. The partnership focuses on implementing UN Sustainable Development Goals and social responsibility principles.
• ABC BarnahjálpminorOthers · 1 January 2018Inkasso has been a proud sponsor of ABC Barnahjálp since 2018, supporting 15 children in Burkina Faso with education including teaching, books, supplies, school uniform, meals, and medical care. Annual reports on each child's progress are received.
• Gjaldheimtan ehfcoreStrategic or Co-development PartnerGjaldheimtan handles legal collection, court proceedings, and enforcement procedures. The company employs lawyers and collection agents with extensive experience. Inkasso and Gjaldheimtan work closely together offering comprehensive debt collection solutions. Same-Day-Upplysingar: Company ID 640214-0580, VAT 117480, supervised by Icelandic Bar Association.
• Neyðarkall BjörgunarsveitannaminorOthersProud sponsor of the annual Neyðarkall (Emergency Call) fundraiser for Icelandic rescue services. Three rescue team members are employed at Inkasso-Momentum.
• Microsoft (Dynamics 365, AX, NAV)coreTechnology or IntegrationIntegration partnerships for direct connection with Microsoft Dynamics 365 Business Central, Dynamics AX, and Dynamics NAV accounting systems enabling in-system claim management for creditors.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Lowell Group: Pan-European credit management and debt purchase group. Comparable fee- and debt-purchase-driven revenue mix, though operating in much larger UK/European markets.
• B2 Holding ASA: Norway-headquartered debt purchaser and collection specialist operating across the Nordics. Most directly comparable Nordic collection peer given similar model of acquiring and collecting on claims at scale.
• Gothia Financial Group AB: Swedish debt purchase and collections platform serving Nordic creditors. Similar receivables-financing-adjacent model and creditor base as Inkasso.
• Hoist Finance AB: Swedish listed debt-restructuring and collection company with deep Nordic footprint. Closely comparable on NPL purchase and servicing model that overlaps with Inkasso's debt-financing product.
• EOS Holding GmbH: German-headquartered international debt collection group operating across Europe. Comparable B2B collection focus and creditor-customer orientation.

Broad incumbents

• Intrum AB: Global leader in credit management services headquartered in Sweden. Comparable end-to-end credit and collection offering across Europe but at vastly larger scale and broader product breadth.

Emerging players

• Fundbox: US SMB working-capital and invoice financing platform. Comparable receivables-backed funding model to Inkasso's debt-financing offering, though at very different scale and geography.
• BlueVine: US-based invoice factoring / receivables-financing platform for SMBs. Most directly comparable to Inkasso's newly launched Modern Debt Financing product (70–90% same-day claim funding).

Regional players

• Arag SE: German legal-protection and collection services group. Comparable legal-collection / court-proceeding capability that parallels Inkasso's Gjaldheimtan subsidiary.
• Aktiv Kapital AS: Norwegian debt purchaser focused on Nordic portfolios. Comparable model of buying and servicing non-performing claims, though serving creditors primarily outside Iceland.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Inkasso