What B2 Impact does

B2 Impact OÜ is an Estonian private limited company (osaühing) operating in the debt management sector, headquartered at Mustamäe tee 16, Tallinn. The entity is the Estonian subsidiary of Finnish B2 Impact Oy, which sits within the Oslo Stock Exchange-listed B2 Impact ASA group that operates across 19 European countries with 1,500+ employees. Until 30 September 2024, the entity traded as OK Incure OÜ; it was rebranded to align with the unified pan-European B2 Impact brand.

The company delivers four integrated service lines: Inkasso (out-of-court debt collection for consumer loans and B2B receivables), Nõuete ost (bulk purchase of non-performing loan portfolios from banks and credit intermediaries), Kohtulik võlgade sissenõudmine (judicial recovery via expedited payment-order proceedings), and Inkasso välismaal (international debt collection through the TCM Group International Ltd shareholder alliance spanning 135+ countries). Two web platforms underpin the operations: a debtor self-service portal (online.b2-impact.ee) providing 24/7 debt overview, payment schedule creation, and online payment, and a corporate Business B2 Impact portal (business.b2-impact.ee) for invoice submission, real-time case monitoring, and reporting, authenticated via Microsoft Entra ID SSO.

B2 Impact OÜ serves banks and financial institutions as its primary segment, with secondary exposure to retailers, utility providers, licensed credit providers, Estonian business debtors, and individual consumer debtors. The commercial model is predominantly contingent ('No Win, No Fee') on collection success for out-of-court and international recovery, with fixed assignment pricing for NPL portfolio purchases and a published fee schedule for payment-plan administration (3% contract fee with EUR 45 minimum plus EUR 2.99 monthly administration). Following the grant of a credit collection activity license by Finantsinspektsioon on 21 April 2025 under KIOS, the entity is now authorized to recover bank and credit-provider credit-agreement debts, with GDPR-compliant data handling overseen by a designated Data Protection Officer and supervised by the Estonian Data Protection Inspectorate.

Name

B2 Impact

Legal name

B2 Impact OÜ

Website

https://b2-impact.ee

Company type

Private

Founded year

2018

Operating status

Operating

Short description

B2 Impact OÜ provides integrated debt management in Estonia, including out-of-court and judicial collection, non-performing loan portfolio purchases, and cross-border recovery. It serves banks, financial institutions, retailers, and utilities, backed by Oslo-listed parent B2 Impact ASA.

Ownership category

akta.pro rank

Product category

Debt Collection and Credit Management Services

NAICS

Collection Agencies (561440), Other Nondepository Credit Intermediation (52229)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Finance Services (6199)

akta.pro primary industry

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

akta.pro secondary industry

Financial Hardship & Forbearance Assistance (FSAEAFAJ)

Keywords

• Debt collection services
• Credit management
• Debt portfolio purchase
• Judicial debt recovery
• International debt collection

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, Others

Revenue model

1. Success-based collection fees (No Win, No Fee): Out-of-court debt collection is charged on a contingent basis — fees are calculated on a claim only if collection is successful and the claim has been recovered. Surcharges and interest are calculated in accordance with Estonian and European legislation.
2. Debt portfolio purchases (Nõuete ost): Purchases non-performing debt portfolios from banks, credit institutions and credit intermediaries under fixed-term assignment contracts. Upon purchase, all creditor rights and obligations transfer to B2 Impact.
3. Court debt recovery services: Legal collection through payment order expedited proceedings and full court proceedings; additional fees charged to claimant for court process costs.
4. Payment schedule administration fees: Contract conclusion fee of 3% of total claim (minimum EUR 45) plus monthly administration fee of EUR 2.99 for negotiated payment schedules. Late-payment penalty of 0.065% per day on outstanding amount.
5. International debt collection via TCM Group: Cross-border debt recovery through TCM Group International Ltd alliance on 'No Win, No Fee' basis; fees apply only on successful recovery.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

B2 Impact OÜ provides out-of-court and judicial debt collection services on behalf of banks, credit institutions, retailers and utility providers in Estonia, alongside non-performing debt portfolio purchases from credit providers. Core services include Inkasso (extrajudicial collection), Nõuete ost (receivables purchase), Kohtulik võlgade sissenõudmine (judicial debt recovery) and Inkasso välismaal (international debt collection via the TCM Group network covering 135+ countries), delivered through dedicated account managers and two 24/7 self-service portals.

Product overview

B2 Impact OÜ delivers an integrated debt-management offering under the unified B2 Impact ASA (Oslo) group brand, combining four core service lines — Inkasso (out-of-court debt collection), Nõuete ost (receivables purchase), Kohtulik võlgade sissenõudmine (judicial debt recovery), and Inkasso välismaal (international debt collection delivered through TCM Group International) — with two customer-facing digital channels: the Iseteenindusportaal (self-service portal at online.b2-impact.ee) for debtors and the Business B2 Impact portal (business.b2-impact.ee) for corporate clients. All services operate on a 'No Win, No Fee' commercial model and the operation is licensed by the Estonian Financial Supervision Authority (Finantsinspektsioon) under the Krediidiinkassode ja -ostjate seadus.

Differentiator

Problem solved

Functional benefit

Products and services

• Inkasso (Out-of-Court Debt Collection) Out-of-court debt collection service for consumer loans and business receivables, operating on a 'No Win, No Fee' basis. Activities include repeated phone, email and electronic contact with debtors, address and contact-data verification, payment-ability assessment, payment-agreement negotiation and monitoring, and late-payment interest calculation in accordance with Estonian and EU legislation. Sold to banks, credit institutions, retailers, utility providers and other businesses holding overdue receivables.
• Nõuete ost (Receivables / Debt Portfolio Purchase) Bulk purchase of non-performing debt portfolios from banks, credit institutions and credit intermediaries under fixed-term claim-assignment contracts. On assignment, all creditor rights and obligations transfer to B2 Impact for the contract period, freeing the seller from weaker-borrower contracts. Pricing is quote-based and negotiated per portfolio.
• Kohtulik võlgade sissenõudmine (Judicial Debt Collection) Court-based debt recovery service, typically initiated via expedited payment-order proceedings (maksekäsu kiirmenetlus), with integrated handling of out-of-court and judicial processes. Includes advising on collateral options such as mortgage, surety, guarantee, or commercial pledge as alternatives to litigation. Additional fees are charged to claimants for court process costs.
• Inkasso välismaal (International Debt Collection) Cross-border debt collection delivered via B2 Impact OÜ's shareholding in TCM Group International Ltd, a vetted alliance of collection agencies and legal-service firms spanning 135+ countries and economic regions. Operates on a 'No Win, No Fee' basis with strict partner-selection and monitoring under TCM Group's ethics code in addition to local law.
• Iseteenindusportaal (Self-Service Portal for Debtors) 24/7 online self-service portal at online.b2-impact.ee where individual debtors can view overview of debts (base claim, debt details, payment history), create a payment schedule, and pay online conveniently. Backed by phone customer service at +372 675 5800.
• Business B2 Impact Client Portal Business-to-business web portal at business.b2-impact.ee for corporate clients to submit invoices for collection, monitor status of receivables in real time, access 24/7 reporting and settlement reports, and interact with B2 Impact collection specialists. Authentication uses Microsoft Entra ID (Azure AD) via OAuth 2.0 / OpenID Connect SSO.

Quantifiable outcome

• No Win, No Fee — fees charged only upon successful collection recovery
• +2 more outcomes

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability7 records

Feature5 records

Partnerships

Six partnerships are on record, tiered flagship, core and minor.

• TCM Group International LtdflagshipStrategic or Co-development PartnerB2 Impact OÜ is a shareholder in TCM Group International Ltd with exclusive rights for intra-group claim collection in Estonia. TCM Group is a leading global debt-collection organization represented in 135+ countries and economic regions worldwide. The alliance enables B2 Impact to provide international debt-collection services on a 'No Win, No Fee' principle across Europe and other world regions. Member agencies undergo strict monitoring and selection and operate under TCM Group's ethics code in addition to local law.
• B2 Impact Oy (Finland)coreStrategic or Co-development PartnerB2 Impact OÜ is the Estonian subsidiary of Finnish collection company B2 Impact Oy. Together with its parent, it belongs to the rapidly developing B2 Impact financial group headquartered in Oslo.
• B2 Impact ASA (Oslo, Norway)flagshipStrategic or Co-development PartnerB2 Impact OÜ is part of Oslo Stock Exchange-listed B2 Impact ASA and is a recognized debt management partner to many banks and financial institutions. The ASA-level parent provides governance, listing, and reputational backing for the Estonian entity.
• Creditinfo Eesti AScoreOthersB2 Impact OÜ reports debt-schedule breach information via Creditinfo Eesti AS — i.e., when a debtor fails to comply with agreed payment-plan obligations, B2 Impact has the right to disclose the information through Creditinfo.
• Finantsinspektsioon (Estonian Financial Supervision Authority)coreOthersFinantsinspektsioon is the primary supervisory authority overseeing B2 Impact OÜ's activities. It granted the entity a credit collection activity license on 21 April 2025 and serves as the appeals body for unresolved customer complaints.
• SwedbankminorOthersB2 Impact OÜ's official Estonian bank account (IBAN EE422200221045023300) is held at Swedbank, with HABAEE2X as the SWIFT/BIC code.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Collector Bank AB: Swedish challenger bank with consumer-lending, payments and debt-collection operations. Broader financial-services incumbent that overlaps with B2 Impact on consumer-credit collection but is not a focused collection specialist.
• Coface SA: French-listed global credit-insurance and B2B receivables-management group offering international debt collection. Adjacent incumbent whose international debt-collection franchise competes with B2 Impact's TCM-driven cross-border offering to B2B clients.

Direct peers

• Kredinor AS: Norwegian financial group providing debt collection, debt purchase, and financial-hardship services across the Nordics. Closely comparable to B2 Impact on out-of-court collection, NPL purchase, and regulated Nordic operating model.
• Lowell Group: Major European debt purchaser and servicer formed from the merger of Lindorff and Aktiv Kapital. Operates an integrated credit-management model across multiple European countries, comparable to B2 Impact's NPL purchase + collection combination.
• Intrum AB: Largest publicly listed pan-European credit management and debt purchasing company, headquartered in Stockholm. Directly comparable to B2 Impact on integrated out-of-court and judicial collection, NPL purchase, and pan-European (incl. Nordic/Baltic) footprint.
• Hoist Finance AB: Stockholm-listed specialist in non-performing consumer loans, purchasing and servicing NPLs primarily in the Nordics and Europe. Directly comparable to B2 Impact's Nõuete ost (receivables purchase) and integrated servicing model.
• Gothia Financial Group AB: Swedish debt-recovery and credit-information group offering consumer and SME debt collection plus credit information services. Comparable to B2 Impact on debt-collection services and ancillary credit-data offerings (via Creditinfo partnership).
• EOS Group: German-owned (Otto Group) pan-European debt collection company with operations across more than 20 countries. Closely comparable to B2 Impact's combination of out-of-court collection, judicial recovery and international coverage.
• PRA Group, Inc. US-listed global acquirer of non-performing loans with material European operations. Comparable to B2 Impact on the portfolio-purchase model and cross-border servicing capability.
• Ropo Capital Oy: Finnish-headquartered pan-Nordic provider of invoicing, payment-reminder and debt-collection services. Comparable to B2 Impact on integrated collection workflow, payment-schedule administration and corporate-client portals.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 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 B2 Impact