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Founded in Denmark in 1998, Collectia has evolved into a pan-European, technology-led credit and receivables management platform.

Over the past decade - and particularly under Silverfleet Capital’s ownership - the company has transformed from a traditional debt recovery provider into an integrated, AI-driven platform.

Collectia delivers end-to-end credit management solutions across the full credit lifecycle – from credit scoring and invoicing through to monitoring, and resolution.
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Its AI-powered platform combines decision intelligence, automation, and digital resolution to help clients improve recovery rates, reduce operating costs, and enhance customer retention. By integrating these capabilities into a single platform, Collectia enables clients to consolidate providers and embed credit management into core business processes, supporting more predictable and efficient financial outcomes.

Collectia differentiates itself through its proprietary AI-powered platform, which integrates data, decisioning, and execution across the lifecycle.

Operating across 20,000+ clients and multiple European markets, the platform continuously learns from a large and diverse dataset, strengthening performance andenabling increasingly accurate and efficient outcomes over time. This creates a scalable data advantage that is difficult to replicate.

Combined with deep local regulatory expertise and an ESG-integrated operating model, Collectia delivers a consistent, compliant, and customer-centric approach – enabling clients to achieve better financial outcomes while maintaining responsible engagement.

Collectia operates through established local platforms in Denmark, Sweden, Norway, Finland, and Germany. These businesses are fully integrated onto a unified technology infrastructure and supported by a shared governance and compliance framework.

This model enables operational consistency, regulatory alignment, and scalable delivery across markets, while retaining local expertise. It provides a proven foundation for further geographic expansion, with the ability to efficiently onboard additional markets onto the existing platform.

Collectia has been majority-owned by Silverfleet Capital since 2020. During this period, the business has undergone significant transformation, including the development of its proprietary technology platform, execution of a targeted acquisition strategy, and integration of operations across multiple European markets.

This has created a scalable, technology-enabled platform with strong recurring revenue characteristics and clear growth levers. Collectia is now well positioned for its next phase of expansion, supported by continued investment in AI, data, and geographic growth.

Financial highlights, investor presentations, and governance-related materials are available upon request. Investors and stakeholders are invited to contact our Investor Relations team for further insight into key financials, performance metrics, and strategic developments.

Collectia operates under a unified governance and compliance framework across all markets, supported by shared GRC systems, GDPR alignment, and continuous monitoring.

The integrated approach helps mitigate risk and supports institutional-grade operations across multiple jurisdictions, ensuring accountability and controlled risk management. Governance is embedded directly into both the operating model and technology platforms, ensuring consistent control and oversight as the business scales.

ESG principles are integrated across Collectia’s governance, technology, and customer engagement practices. These includes responsible debtor communication, ethical fee structures, employee development, and environmental initiatives. Our ESG approach is designed to support sustainable growth while ensuring fair and transparent treatment of customers and stakeholders.