Pan-European debt
collections under one roof

At your service

Receivable
management

Reduce your daily sales outstanding (DSO) and improve your cash position by letting us take the due date reminder and collections processes piece off you. Rest assured that we are able to offer the best return while at the same time letting you focus on what is really important - growing your business.
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Portfolio
management

Optimize the return on your portfolios with us and let us do all the hard work. We perform robust due diligence and decide on the best course of action through all stages of the receivable’s life cycle. Our sophisticated approach including digital self-servicing powered by AI and an extensive panel of debt collections partners means that a fully comprehensive solution is readily available for you.
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Portfolio
purchase

We are fully aware that a non-performing portfolio may cause a heavy burden on your books. That is why we are willing to acquire them fully with a perspective of long-term cooperation with our business partners.
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Pactum's Approach
Experienced team in Berlin
  • One team.
  • One IT setup.
  • One contract.
  • One pricing.
  • Whole Europe.

The Creators

Clemens Krause Managing Director
Liva Zepa Strategy & Innovation
Guilherme Carvalho Investments & Portfolio Management
Christian Kelly Digitalization & Operations