© Intrum Justitia AB (publ), SE-105 24 Stockholm Sweden.
Tel: +56 8 546 10 200 Fax: +46 8 456 10 211

Intrum Justitia is Europe's leading Credit Management Services (CMS) group. The group offers a wide range of CMS for commercial and consumer receivables and has a growth strategy that involves taking an active part in the industry's consolidation. It has revenues of approximately SEK 2.9 billion and about 2,900 employees.

Intrum Justitia was founded in Sweden 1923 by Sven Göransson. In 1970 his son Bo Göransson bought the company. The expansion of Intrum Justitia begun in 1974 with the acquisition of a debt collection agency in Switzerland. This led to many more acquisitions and today Intrum Justitia has offices in 24 markets in Europe.

Since June 2002 Intrum Justitia is listed on the Stockholm Exchange.

Intrum Justitia's objective is to improve its clients' cash flows and in that way contribute to improve their long-term profitability.

Credit Management Services (CMS) is a term used to describe services provided throughout the entire receivables cycle - from the initial invoice until all client debt is settled.

CMS covers a broad range of services including; sales ledger services (invoicing and reminders), consumer and commercial debt collection, international debt collection, debt surveillance and purchased debt.

Intrum Justitia's services cover the entire credit management chain, from credit information via invoicing and reminders to debt surveillance and collection of written off receivables. Most services are grouped within the service lines Consumer Collection & Debt Surveillance and Commercial & International Collection.

Intrum Justitia also offers sales ledger services, purchased debt services and a number of specialized services related to credit management.

Intrum Justitia adheres to a strict code of ethics unique to the CMS industry. By applying this code - Fair pay. please! we hope to maintain respectful relationships with both creditors and debtors and ensure fair payment between our client and their customer.

The Fair Pay ethic spells out the norms we take as self evident: to comply with current laws and regulations, to respect the integrity of debtors in every situation and safeguard the privacy of all parties involved, to clearly separate client's funds from other funds and accounts, and to conduct all work involving credit management and receivables in a professional manner, i.e. promptly, efficiently and accurately.