What PG Inkasso OÜ does

PG Inkasso OÜ is an Estonian privately-held debt collection, legal services, and debt refinancing firm founded in 2010 and headquartered at Fr. R. Kreutzwaldi 4, Tallinn. The company operates across four interconnected service modules: out-of-court debt collection (direct debtor contact, negotiation, and three cooperation models — cessio, mandate, and joint activity); judicial debt collection (payment order proceedings for claims up to €6,400 and full litigation for larger matters); legal consultation and representation across property, commercial, labor, contract, family/inheritance, and civil procedure law; and a specialized €0-cost package for apartment associations (korteriühistud). A distinctive capability is direct-to-debtor refinancing — consumer loans (€500–€5,000), surety loans (€1,000–€7,500), and property-secured loans (€1,000–€100,000) — enabling immediate debt clearance for the originating creditor.

The business model blends contingent commission on collected sums (7–35% of principal, 20–50% of ancillary claims, fees only on actually recovered amounts), fixed-fee legal services (€65/hour or €65/page, €35 per payment order filing excluding VAT), and balance-sheet lending through the refinancing product. Distribution is sales-led and consultative: customers reach PG Inkasso via phone, email, the pginkasso.ee website (available in Estonian and Russian), and an established referral network spanning Estonian consumer/SMS lenders (Placet Group, LAEN.ee, SMSRaha.ee, SMSMoney.ee, Erahoius.ee) and Lithuanian partners (ITM Inkasso as the core channel partner, plus SMSPinigai.lt and Paskolos.lt) for cross-border Baltic cases. An auditor-controlled dedicated bank account governs fund flows to creditor clients.

The customer base spans apartment associations, small private enterprises, and financial-sector partners across Estonia and (via referral) Lithuania. Core technology, headcount, revenue, and ownership details are not publicly disclosed, and the firm operates entirely on Estonian private capital with no institutional investment, parent entity, or disclosed management team in the available source material. The company's value proposition rests on the dual-sided market position — serving creditors seeking recovery while offering debtors refinancing or negotiated settlement to avoid court and credit-registry consequences — supported by an accumulated proprietary debtor database and an in-house legal team.

Name

PG Inkasso OÜ

Legal name

PG Inkasso OÜ

Website

https://pginkasso.ee

Company type

Private

Founded year

2010

Operating status

Operating

Short description

PG Inkasso OÜ is an Estonian private debt collection, legal services, and debtor refinancing firm serving businesses, apartment associations, and individuals across Estonia and (via Lithuanian partners) the Baltic region. It offers contingent-fee collection, in-house legal counsel, and unique debt consolidation loans up to €100,000.

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Collection Agencies (56144)

SIC

Services-Engineering, Accounting, Research, Management (8700)

akta.pro primary industry

Debt Recovery & Asset Recovery (Repossession Coordination, Collateral Recovery) (BPAAAEAE)

akta.pro secondary industries

International & Cross-Border Collections (FSAKAJAO), Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)

Keywords

• Debt collection services
• Credit recovery services
• Judicial debt enforcement
• Debt refinancing loans
• Legal consultation services

Headquarters

HQ city

Tallinn

HQ country

Estonia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Debt Collection Commission (Out-of-Court): Commission-based fees ranging from 7% to 35% of the principal debt amount and 20% to 50% of ancillary claims. Fees are only charged on actually recovered sums. The exact rate depends on the age, size, and nature of the claim.
2. Legal Services: Hourly billing at 65 EUR per hour for legal consultations, court representation, negotiations, and case analysis. Document preparation billed at 65 EUR per page for complaints, contracts, and other legal documents.
3. Payment Order Proceedings: Fixed fee of 35 EUR for document analysis, preparation, and filing of payment order applications with the court (excluding VAT).
4. Debt Refinancing Services: The company offers refinancing options to debtors, providing consumer loans (500-5000 EUR), surety loans (1000-7500 EUR), and loans secured by property (1000-100000 EUR). This creates an additional revenue stream through interest and fees on refinancing loans.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

PG Inkasso OÜ is an Estonian debt recovery and legal services firm that pursues unpaid receivables on behalf of businesses, financial institutions and apartment associations through out-of-court negotiation and judicial enforcement (payment order proceedings and litigation), supported by in-house legal consultation and court representation. The firm also uniquely provides debt refinancing to debtors — consumer, surety and property-secured loans up to €100,000 — enabling immediate debt clearance for creditors.

Product overview

PG Inkasso OÜ offers a unified debt collection and legal services platform built around four interconnected service modules. The core offering centers on out-of-court debt collection (Kohtuväline võlgade sissenõudmine), which handles initial debtor contact and negotiation. When voluntary resolution fails, the judicial debt collection module (Kohtulik võlgade sissenõudmine) escalates matters through payment order proceedings or full litigation. A legal consultation and aid module (Juriidiline konsultatsioon ja õigusabi) provides in-house legal support across property, corporate, labor, and contract law. The housing association service package (Teenuspakett korteriühistutele) targets a specific vertical with €0 upfront costs. A distinctive feature is the debt refinancing capability, which allows debtors to consolidate debts through consumer loans, surety loans, or collateral-backed financing—enabling immediate debt clearance for creditors.

Differentiator

Problem solved

Functional benefit

Products and services

• Out-of-court debt collection (Kohtuväline võlgade sissenõudmine) Primary debt collection service in which PG Inkasso contacts the debtor directly, analyses the debtor's financial situation, negotiates repayment terms and pursues voluntary payment before any legal action. Three cooperation models are offered: claim assignment (cessio), mandate/representative contract, and joint activity contract for mass claims. For clients, this is offered on a contingency basis (7–35% commission on principal actually recovered, 20–50% on ancillary claims).
• Judicial debt collection (Kohtulik võlgade sissenõudmine) Legal debt collection service used when out-of-court recovery fails, covering payment order proceedings (fast-track, simplified, written-only — usable for claims up to €6,400 excluding non-contractual damages) and full litigation (for larger or more complex claims). Includes court filing, representation and enforcement through bailiffs once the judgment becomes final.
• Legal consultation and legal aid (Juriidiline konsultatsioon ja õigusabi) Stand-alone legal advisory service under a legal-aid contract covering property law, corporate law, labour law, contract/obligations law, family and inheritance law, and civil procedure. Includes legal consultations, drafting of legal documents and opinions, and representation in negotiations and court proceedings. Billed at €65/hour for consultations and €65/page for document drafting.
• Service package for housing associations (Teenuspakett korteriühistutele) Bundled debt collection package tailored for apartment associations (korteriühistud) in Estonia. The association pays €0 upfront; all collection costs are recovered from the indebted resident. The package also includes refinancing options for the resident — consumer loans (€500–€5,000), surety loans (€1,000–€7,500) and property/vehicle-secured loans (€1,000–€100,000) — enabling the debt to be cleared immediately for the association.
• Debt refinancing (Võlgade refinantseerimine) Refinancing service offered to debtors, allowing them to consolidate or restructure obligations. Ranges: consumer loans €500–€5,000, surety/endorsement loans €1,000–€7,500, and secured loans against property or vehicles €1,000–€100,000. Once the debtor refinances, the underlying debt to the original creditor is cleared immediately. The company describes this capability as exclusive to it within the Estonian market.

Quantifiable outcome

• Thousands of debts successfully collected
• +2 more outcomes

Named customers7 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered minor and core.

• Placet GroupminorGTM or Marketing PartnerPartnership with Placet Group, a financial services company operating across multiple Baltic countries. The partnership appears to be part of the financial services ecosystem collaboration, with Placet Group likely referring debt collection needs to PG Inkasso.
• LAEN.eeminorGTM or Marketing PartnerPartnership with LAEN.ee, a consumer lending platform. Consumer loan borrowers who default may be referred to PG Inkasso for debt collection.
• SMSRaha.eeminorGTM or Marketing PartnerPartnership with SMSRaha.ee, a quick loan service provider. Defaulted loans are referred for collection.
• SMSMoney.eeminorGTM or Marketing PartnerPartnership with SMSMoney.ee, an SMS loan service. Defaulted loans referred for collection services.
• Tallinna Hoiu-laenuühistu (Erahoius.ee)minorGTM or Marketing PartnerPartnership with Tallinn Savings and Loan Cooperative for term deposit services. Mutual referral relationship within financial services ecosystem.
• SMSPinigai.ltminorGTM or Marketing PartnerPartnership with SMSPinigai.lt for SMS loan services in Lithuania. Cross-border referral partnership for Baltic market coverage.
• Paskolos.ltminorGTM or Marketing PartnerPartnership with Paskolos.lt for loan services in Lithuania. Cross-border referral relationship.
• ITM InkassocoreChannel Partner/ Reseller/ DistributorPartnership with ITM Inkasso for debt collection services in Lithuania. This is a strategic partnership enabling PG Inkasso to serve clients with cross-border debt collection needs in the Lithuanian market.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• EOS Group: German-headquartered international debt collection provider with presence across Europe. Directly comparable business in B2B and consumer receivables management, with overlapping legal recovery capabilities.
• Intrum: Largest European debt collection and credit management services company, operating across multiple European markets including the Baltics. Directly comparable business model of out-of-court and judicial debt recovery, though at vastly larger scale and with broader geographic coverage.
• Lowell: Major European debt purchaser and collector with operations in the UK, Germany, the Nordics, and other markets. Comparable in offering end-to-end debt recovery services plus data-driven portfolio management, though at significantly larger scale than PG Inkasso.
• B2 Holding: Nordic-based debt purchaser and collection specialist with operations across the Nordics and Europe. Closely comparable in the consumer receivables and secured-debt recovery segment PG Inkasso serves.
• Aktiva: Estonian debt collection and credit management company directly competing with PG Inkasso in the same Estonian territory. Closest direct competitor given overlapping customer base (Estonian SMBs, apartment associations, financial institutions).
• Hoist Finance: Swedish-headquartered specialist in non-performing loan portfolios and debt restructuring across Europe. Comparable in combining debt purchase/recovery with consumer-side restructuring — similar in concept to PG Inkasso's refinancing-plus-collection model.

Broad incumbents

• Creditinfo: Established Baltic credit information bureau and data services provider. Comparable as a broader incumbent in the Estonian and Baltic credit ecosystem, providing data and decisioning tools that complement debt collection workflows.

Regional players

• ITM Inkasso: Lithuanian debt collection firm that is both PG Inkasso's strategic partner for Lithuanian collection work and a comparable regional player offering similar out-of-court and judicial collection services in a neighboring Baltic market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 PG Inkasso OÜ