What Actuo does

Actuo A/S is a privately held Danish RegTech firm headquartered in Copenhagen that provides digital compliance and reporting software combined with specialized actuarial consulting for the European insurance and pension industry. The company was founded in 1998 and operates with a compact team of approximately 11–12 named individuals, comprising specialized actuaries, mathematicians, business analysts, and administrative staff, with consulting experience of 10–15+ years in the insurance and pension sector.

The core product portfolio consists of two engines and an add-on tool. The SII Engine is a Solvency II compliance platform covering all three pillars with automatic dataflow from Pillar I (SCR, MCR, own funds) to Pillar II (scenario analysis and ORSA) to Pillar III (XBRL reporting with EIOPA validations, ECB and Financial Stability Group add-ons, and SFCR in 12 languages). The IORPII Engine provides EIOPA-compliant reporting for pension funds, including quarterly and annual QRTs, ECB reports, national-specific and customer-specific templates, with continuous maintenance for regulatory updates. The Scenario Analysis Tool supports reverse stress testing, forecasting, and sensitivity analysis across asset portfolios, premium changes, claims adjustments, CAT risks, and reinsurance counterparties, with 50+ pre-defined scenarios plus custom scenarios, and is audit certified by Deloitte. Deployment options include cloud-hosted or on-premises installation.

Actuo monetizes through subscription software licensing for the SII and IORPII engines alongside professional services ranging from basic support to full business process outsourcing. Pricing is custom, quote-based, and structured as multi-year enterprise contracts. The go-to-market is direct enterprise field sales targeting life and non-life insurance companies and pension funds, primarily in Denmark and Germany, with 40+ insurance and pension clients and the IORPII Engine deployed across 100+ companies in 10+ EU countries. The company is founder/management-owned with no disclosed institutional investors, funding rounds, or M&A activity.

Name

Actuo

Legal name

Actuo A/S

Website

https://actuo.eu

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

Actuo is a Danish RegTech firm providing Solvency II and IORP II compliance software plus actuarial consulting to life and non-life insurers and pension funds across 10+ European countries.

Ownership category

akta.pro rank

Product category

Insurance Regulatory Compliance Software

NAICS

Insurance and Employee Benefit Funds (5251), Custom Computer Programming Services (541511), Computer Systems Design and Related Services (54151)

SIC

Services-Prepackaged Software (7372), Services-Management Consulting Services (8742), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)

akta.pro secondary industries

Enterprise Architecture & IT Operating Model (BPAHAEAB), eSignature, Forms & Digital Workflow Platforms (HDAEAHAJ)

Keywords

• Solvency II compliance
• Insurance regulatory reporting
• Pension fund software
• Actuarial consulting services
• EIOPA reporting tools

Headquarters

HQ city

Københoved

HQ country

Denmark

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Solvency II Software & Implementation: SII Engine software licensing and implementation services. Installation can be cloud-hosted or on-premises. Includes professional consultancy and IT assistance from basic support to full business process outsourcing.
2. IORP II Software & Services: IORPII Engine reporting tool with continuous maintenance and updates. Revenue from software platform usage and related consulting services for EIOPA compliance.
3. Actuarial & Compliance Consulting: Specialized consulting services from actuaries and business experts with 15+ years of experience. Services include compliance advisory, reporting process optimization, and implementation support.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Actuo provides proprietary digital compliance and reporting platforms (SII Engine for Solvency II, IORP II Engine for EIOPA pension fund reporting, and a Scenario Analysis Tool for stress testing), combined with specialized actuarial and compliance consulting services, to insurance companies and pension funds across Europe. The software can be deployed on-premises or in the cloud, covers all three Solvency II pillars with automatic dataflow and full XBRL reporting, and is supported by a team of actuaries, mathematicians, and business analysts with 10+ years of sector expertise.

Product overview

Actuo is a specialized provider of digital tools for the insurance and pension sector. The core offering consists of two main platforms: the SII Engine (Solvency II Engine) and the IORP II Engine. The SII Engine is a comprehensive Solvency II compliance platform supporting all three pillars with automatic dataflow between them, handling Pillar I calculations (SCR, MCR, own funds), Pillar II scenario analysis and ORSA, and Pillar III XBRL reporting. The IORP II Engine provides EIOPA-compliant reporting for pension funds with XBRL validation. Both platforms integrate with the Scenario Analysis Tool for stress testing and forecasting capabilities. The company also offers professional consultancy services ranging from basic support to full business process outsourcing, with installation options for cloud-hosted or on-premises deployment.

Differentiator

Problem solved

Functional benefit

Products and services

• SII Engine (Solvency II Engine)

Quantifiable outcome

• Supports 40+ insurance companies and pension funds across 10+ European countries
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Others

• Zanders: Zanders is a European treasury, risk and actuarial consultancy with deep Solvency II and IORP II advisory practices. It overlaps with Actuo on the actuarial consulting and reporting advisory side while competing for the same insurance CFO/actuary buyer.
• Baringa Partners: Baringa is an independent consulting firm specializing in insurance, actuarial and risk advisory, including Solvency II and IORP II implementations. It competes with Actuo's consulting arm and often partners or competes with regulatory software vendors.

Broad incumbents

• DXC Technology (Insurance Software): DXC's insurance business includes regulatory and actuarial software/services for European insurers and pension funds. It competes in the same Solvency II/IORP II implementation and reporting space as Actuo, typically at larger enterprise scale.
• FIS Insurance Solutions: FIS provides core insurance and regulatory reporting platforms to life and P&C insurers, including Solvency II outputs. It is a larger incumbent with overlapping compliance workflow capabilities sold alongside policy administration.
• Moody's Analytics (Regulatory Reporting): Moody's Analytics sells regulatory reporting, capital calculation and risk analytics software to insurers and banks, directly overlapping with Actuo's Solvency II Pillar I/III and IORP II functionality as part of a much broader financial-services suite.
• SAS (Insurance Regulatory Compliance): SAS offers insurance analytics and regulatory reporting solutions used by large carriers for Solvency II, IFRS 17 and risk modeling. It competes with Actuo on regulatory calculation and reporting but bundles a much broader analytics platform.
• Wolters Kluwer (OneSumX for Regulatory Reporting): Wolters Kluwer's OneSumX is a widely deployed Solvency II, IORP II and BCBS reporting platform sold to large insurers and banks globally. It competes head-on with Actuo's SII and IORP II engines on the same XBRL/QRT reporting workflow.

Direct peers

• Regnology: Regnology (formerly BearingPoint RegTech) provides regulatory reporting SaaS (including insurance supervision/AnaCredit-adjacent workflows) to banks and insurers. It is the closest direct competitor in European regulatory compliance SaaS, with overlapping XBRL/RegTech capabilities and a similar enterprise GTM.
• ORIC International: ORIC International is a small European actuarial software and consulting boutique focused on Solvency II and ORSA tooling for insurers, with a similar profile to Actuo in size, niche focus, and buyer persona.

Emerging players

• ServiceNow (Risk & Compliance / GRC): ServiceNow's GRC and integrated risk management workflows are increasingly used by insurers for compliance management, audit and controls automation. It represents an emerging platform competitor that could subsume some workflow and reporting capabilities Actuo currently provides.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/actuo-dk

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Actuo