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Intrum Justitia is the leading European provider of credit management services (CMS) to businesses and government authorities. The Group helps its clients to improve their sales, profitability and cash flow. The combination of pan-European coverage and local expertise creates unrivalled value for our clients.
Intrum Justitia's financial objectives:
- achieve organic growth of 10 percent per year and generate pre-tax earnings which are at least in line with the annual organic growth;
- actively seek out opportunities to grow through selective acquisitions;
- achieve an annual return on investments in Purchased Debt of at least 15 percent, and;
- maintain a net debt/equity ratio (interest-bearing net debt as a percentage of shareholders' equity and minority interests) that does not exceed 150 percent over the long term.
Cornerstones of Intrum Justitia's strategy:
Offer a comprehensive range of credit management servicesA comprehensive range of credit management services and efficient processes benefit clients. This in turn leads to stronger client relations and greater opportunities for added sales using Intrum Justitia's information on payment habits and credit use, for example.
Thanks to its extensive offering, Intrum Justitia is increasingly accepted as a natural CMS partner. This in turn leads to stronger business relations and creates opportunities for additional sales. Through its local presence, Intrum Justitia can offer clients and debtors, services tailored to the local market's maturity, regulations and practices. The Group also has well established systems and processes for efficient credit management across borders within Europe. With a global network of agents, Intrum Justitia can provide clients with credit management services in 160 countries outside Europe.
Work continuously to improve quality and efficiency
By automating management processes and coordinating IT systems, Intrum Justitia can achieve productivity improvements. In addition, it has a number of Centers of Excellence to identify best practices for specific tasks or processes and ensure that they are used throughout the Group. Intrum Justitia also utilizes its own analysis models in order to optimize collection operations.
Complement organic growth with acquisitions
In addition to growing organically, Intrum Justitia seeks out opportunities to play an influential role in the industry's consolidation and to grow through acquisitions. The key criteria for acquisitions are to:
- broaden the service range in established markets,
- strengthen market position and improve cost efficiency,
- broaden the client base and database,
- establish Intrum Justitia in new markets.
Build the brand
By building awareness of Intrum Justitia, the cost to launch various services can be reduced at the same time that opportunities for sustainable profitability will improve. Brand recognition is achieved through a distinctive identity and coordinated brandbuilding efforts utilizing channels such as advertising, sponsorship and the Internet. Marketing communications strategies and platforms are developed centrally and then adapted to local markets.
