A company collecting receivables and a consumer who has received a collection letter ask: are the collection costs and price disclosed openly, can payment arrangements be handled online by oneself and when does customer service respond. These decide 50 points out of a hundred.
amili.fi · Visma Amili Oy (business ID (Y-tunnus) 0922741-2, formerly Visma Financial Solutions and Duetto) is part of the Visma group. Focuses on payment reminder and debt collection services for SMEs; debtor self-service on the maksuhelposti.fi service.
84.7SCORE
Collection costs are disclosed100
Payment arrangements online100
Client's price is disclosed100
Customer service opening hours67
Basic metrics · 73.3
Digital quality65
Transparency88
Reachability60
AI quality score78
+ The debt collection knowledge base itemises the statutory maximum collection costs by principal (under 100 euros: 14 euros; over 10,000 euros: 110 euros) and describes the stages of collection from reminder to enforcement
ropo.fi · Ropo Suomi Oy (business ID (Y-tunnus) 2495037-7, formerly Ropo Capital) is a domestic invoicing and debt collection company. The Consumer Ombudsman intervened in Ropo's collection periods in 2025, after which the company committed to extending the payment and notice period allowed for the debtor.
76.8SCORE
Collection costs are disclosed100
Payment arrangements online100
Client's price is disclosed0
Customer service opening hours100
Basic metrics · 77.5
Digital quality68
Transparency85
Reachability75
AI quality score83
+ The frequently asked questions section states the debt collection costs: a payment reminder at most 5 euros and payment plan costs of 20-50 euros for the consumer
Basic metrics: 77.5, rank 1 · ▼ 1 place
– Client's price disclosed: The price of the collection service for the client was not found on the front page, the service pages, in customer service or on the price list page, which lists only the debtor's collection costs.
www.svea.com/fi-fi/kuluttajat/perinta · Svea Perintä Oy (business ID (Y-tunnus) 0800502-5) is part of the Nordic Svea Bank group. Offers payment reminder, voluntary and legal debt collection services; debtor's dealings in the OmaSvea service.
75.5SCORE
Collection costs are disclosed100
Payment arrangements online50
Client's price is disclosed100
Customer service opening hours0
Basic metrics · 77.1
Digital quality86
Transparency85
Reachability45
AI quality score85
+ The 'Stages of debt collection for consumers' page states the maximum collection costs in tiers (no more than 14 euros when the principal is no more than 100 euros) and the total cost cap according to the size of the receivable
Basic metrics: 77.1, rank 2 · ▼ 1 place
– Customer service opening hours: Opening hours were not found on the collection front page, the customer service page or the collection stages page.
lowell.fi · Lowell Suomi Oy (business ID (Y-tunnus) 0140351-4, formerly Lindorff) is Finland's second-largest debt collection agency and part of the European Lowell Group. The debtor transacts through the Oma Lowell service.
74.5SCORE
Collection costs are disclosed100
Payment arrangements online100
Client's price is disclosed0
Customer service opening hours67
Basic metrics · 76.9
Digital quality77
Transparency80
Reachability68
AI quality score82
+ The page 'What happens in debt collection' itemises the maximum fees step by step: payment reminder at most 5 euros, first payment demand 14, 24 or 50 euros and second 7, 12 or 25 euros depending on the size of the claim
Basic metrics: 76.9, rank 3 · ▼ 1 place
– Client's price disclosed: The price of the debt collection service for the client was not found on the front page, on the customer service pages or by searching the website sitemap for hinta and hinnasto.
intrum.fi · Intrum Oy (business ID (Y-tunnus) 1470246-8) is Finland's largest debt collection agency and part of the Nordic Intrum group. It handles consumer and corporate debt collection and purchases receivables; debtors manage their matters in the Oma Intrum service.
64.3SCORE
Collection costs are disclosed50
Payment arrangements online100
Client's price is disclosed0
Customer service opening hours50
Basic metrics · 76.7
Digital quality71
Transparency78
Reachability75
AI quality score85
+ The Frequently Asked Questions section itemises consumer debt collection costs tiered by the size of the receivable and states the total cost cap for voluntary collection (at most 60 euros if the principal of the receivable is at most 100 euros)
Basic metrics: 76.7, rank 4 · ▼ 1 place
– Client's price published: The price of the debt collection service for the client was not found on the front page, in the for-companies section or on the service page.
www.riverty.com/fi-fi · Riverty Finland Oy (business ID (Y-tunnus) 1730113-3, formerly Gothia and arvato Financial Solutions) provides debt collection and receivables management services. Debtors use the Riverty Back in Flow service.
38.6SCORE
Collection costs are disclosed0
Payment arrangements online50
Client's price is disclosed0
Customer service opening hours50
Basic metrics · 57.2
Digital quality88
Transparency18
Reachability75
AI quality score53
+ Reachability for debtors is good: private customer phone number 02 279 2000, e-mail addresses and chat in the Riverty Back in Flow service
Basic metrics: 57.2, rank 6 · no change
– Collection costs stated: The euro amounts of collection costs were not found on the front page, the Back in Flow page, the customer service page or the collection product page.
QUESTIONAre debt collection costs stated in euros on the company's own website?
Maximum debt collection costs charged to consumers, in euros, on the company's page.
Maximum amounts by capital class = 100 points, individual costs only = 50, none at all = 0.
18 p
Payment arrangements online
QUESTIONCan I move the due date or set up a payment plan myself online?
Due date postponement and payment plan in the company's online service.
Both online by the customer = 100, suggestion or contact to customer service = 50, no = 0.
14 p
Client's price is disclosed
QUESTIONIs the price of the debt collection service shown before contact?
The price of the collection service for the client on the company's page.
Price published = 100, not published = 0.
12 p
Customer service opening hours
QUESTIONHow long on a weekday can customer service be reached?
Weekday opening hours of payment and collection customer service, in hours.
12 hours or more = 100, 6 hours or less = 0, directly proportional in between.
6 p
Basic metrics
Digital quality, transparency, reachability and AI quality score
Basic metrics × 0.5
50 p
Notes
The comparison includes six debt collection companies. The metrics are those visible on the companies' own websites: maximum collection costs, the client's price, payment arrangements made online, and the service's opening hours.
The Debt Collection Act limits the collection costs that can be charged to a consumer, so companies do not differ in the size of the costs. The difference is whether they are stated openly. The outcome has not been measured: neither the collection success rate nor customer satisfaction is published in a comparable way.
Information that was not found on the pages read has been marked as missing and receives zero points for the motive.
About this comparison
We scored 6 debt collection agencies operating in Finland on 20 metrics: technical quality, transparency towards the debtor, reachability and data quality. The key question: does the collection agency tell the debtor openly about collection costs, payment plan and rights before pressing them to pay?
The debt collection agency is chosen by the creditor, not the debtor, but collection costs and contacts are directed at the debtor. That is why we compared six collection agencies operating in Finland by how openly they tell the debtor about collection costs and the statutory maximum amounts, the stages of collection, the possibility of a payment plan and the debtor's rights. Once you know these, you can recognise unreasonable collection and know how to demand treatment in accordance with the law.
What transparency means in this category
Collection costs and the statutory maximum amounts stated to the debtor (25), stages of collection and legal collection described (20), payment plan or extra payment time stated to the debtor (15), debtor's right to dispute the invoice and the possibility to appeal stated (15), debtor's own online service for handling the matter shown (10), business ID (Y-tunnus) or responsible company clearly shown (10), collection licence or registration stated (5)
How to read the comparison correctly: Half of the points come from buyer's questions, i.e. things the buyer finds out before deciding. The other half measures how openly the company publishes its prices, terms and contact details. Clear differences in points indicate a genuine difference: one tells you the price immediately, another only after logging in. Close scores should not be read as a ranking order, because every measurement has a margin of variation. The measurement accuracy and the full calculation formula are open in the methodology.
Customer experience is brought into the assessment separately. We also collect customer feedback and customer experiences about companies through separate surveys. The survey results will be added to the overall assessment later.
The debt collection agency's client is the creditor, but the collection costs and contacts are directed at the debtor. That is why we measure transparency specifically towards the debtor: does the site state the maximum collection costs, the possibility of a payment plan and the debtor's right to dispute the invoice. We weight the openness of collection costs the most, because it is the debtor's biggest pain point.
The maximum amounts of collection costs are set by law. In consumer debt collection, the first payment demand may charge at most 14, 24 or 50 euros depending on the size of the claim, and there is a statutory cap on the total costs of a single debt. A transparent collection agency tells the debtor these limits itself; some leave them out and only direct people to pay.
Comparison guide
What to consider in the comparison
The maximum amounts of collection costs are set by law. In consumer collection, the first payment demand may charge at most 14, 24 or 50 euros depending on the size of the receivable, the second at most half of that, and there is a statutory cap on the total costs of one debt. A transparent agency states these limits itself.
A payment plan is almost always possible. If you cannot pay the whole sum at once, you can usually agree to pay the debt in several instalments. Get in touch in good time, before the matter proceeds to legal debt collection and enforcement.
There must be enough time between debt collection letters. The debtor must be given at least the payment and notice period prescribed by law. In 2025 the Consumer Ombudsman intervened in one operator's overly frequent collection letters and too short payment periods.
An unjustified invoice can be disputed. If you consider the invoice or part of it unfounded, dispute it properly and in good time. A claim that has been disputed with justification must not be pursued further by voluntary debt collection until the matter has been clarified.
How Suomen Paras assesses and scores
Every company is measured with the same public formula: half of the points come from buyer's questions and half from basic metrics, which have four pillars: technical quality, transparency, reachability and AI quality score. Ranking cannot be bought, and you can see the origin of each point on the company's profile. Read the full methodology →
Expert tips
React to a payment demand immediately, do not leave it waiting. Getting in touch stops costs from growing faster than ignoring the letter does.
Ask for a payment plan if you cannot pay in one go. At the same time, find out any extra costs of the plan, which are stated on the websites of most firms.
Check that the collection costs demanded are within the statutory maximum amounts. If the costs exceed the limits or letters arrive too frequently, you can point this out to the collection agency and, if necessary, to the Consumer Ombudsman.
Handle the matter in the agency's own online service. All agencies in the comparison have a dedicated service for the debtor where you can see the balance, make a payment and often agree a payment plan.
Frequently asked questions
How high can debt collection costs be at most?
In consumer debt collection, collection costs are capped by law. For the first payment demand, a maximum of 14, 24 or 50 euros may be charged depending on the principal of the claim, and for the second at most half of that. In addition, there is a ceiling on the total costs of collecting a single debt, which depends on the size of the claim. The comparison looks at whether the agency itself states these limits to the debtor.
Can I agree a payment plan?
Usually yes. If you cannot pay the whole debt at once, you can usually agree to pay it in several instalments. Contact the collection agency in good time. The plan may carry a separate fee, which the agencies state on their sites.
What happens in the different stages of debt collection?
Debt collection typically proceeds from a payment reminder to one or two payment demands, and if the debt is not paid and no payment arrangement is made, it can proceed to legal collection in court and finally to enforcement. Between letters there must be a payment and notice period required by law.
What can I do if I consider an invoice or charges unjustified?
You can dispute an invoice or part of it. Make the dispute properly and in good time, directly to the debt collection agency or the creditor. A claim that has been disputed with justification may not be pursued further through voluntary collection. If you consider the collection unlawful, you can contact the Consumer Ombudsman.
Are you listed and would like to rank higher?
The free pre-analysis shows every item where your company loses points and which rank fixing it is enough for. The paid analysis shows what the items are and how to fix them.
Can't find your company on the list even though it should be there? Get in touch and we will include it in the next measurement round.
