About us


Aktiva Finance Group is the only company in the region offering a complete financial infrastructure solution.

 

Aktiva Finance Group is a one-stop shop for businesses looking for a comprehensive financial infrastructure. With our products, you can streamline your processes and focus on what’s important – your clients.

We have been in the business for almost three decades and offer all-in-one financial solutions for your business.

How did we get here?

Mission

We are the backbone of our customers’ financial infrastructure

We help make their lives easier by creating innovative, convenient, and uncomplicated services that free up resources to grow their businesses.

Vision

We will become the leading financial infrastructure company in the region.

We contribute to the development of the financial sector by helping our customers assess the credit scores of individuals, developing efficient payment solutions, and reducing their credit losses. We do everything in our power to ensure that our services are easily accessible, understandable and cover the varying needs of businesses.

LIFELONG
TRUST

We always have your best interest in mind.
We help you to succeed from ideation to exit.

VALUING
TIME & MONEY

We don’t waste time with small talk.
We get things done.

FEARLESS
INTEGRITY

We work by the book with the door open.
We place integrity at the forefront.

council

Ülar Maapalu

Chairman of the Council of

Aktiva Finance Group

Hans Luik

Council member of Aktiva Finance Group

Argo virkebau

Council member of Aktiva Finance Group

ENA HAABMA

Council member of Aktiva Finance Group

ANDREAS LAANE

Council member of Aktiva Finance Group

Lauri Lind

Council member of Aktiva Finance Group

Our team

Oliver Markvart​

CEO of Aktiva Finance Group

Mihkel Veskimägi​

CSO of Aktiva Finance Group

Margus Aule

CFO of Aktiva Finance Group

Artur Rahkema​

CIO / CTO of Aktiva Finance Group

Art Andresson

CEO of Krediidiregister

Aušra Čiuplienė

CEO of Viena sąskaita and Perfi

Krista Raudsepp

Head of Legal Department at Aktiva Finance Group

AKSELS FREIMANIS

CEO of Altero Latvia

Kestutis Paškevičius

CEO of Altero Lithuania

Eylin Kuusemäe

 Country Manager of Altero Estonia

Merle Laurimäe​

CEO of Julianus Inkasso Estonia

Ina Hofmane​

CEO of Julianus Inkasso Latvia

Naugirdas Kazlauskas​

CEO of Julianus Inkasso Lithuania

Milena Zaszewska-Topczewska

CEO of Julianus Inkasso Poland

Dmitri

Dmitrijs Ševčenko ​

Member of the Board of Julianus Inkasso Latvia

Annika Uusmann​

Product Manager of Julianus Inkasso Estonia

Lii Lainvoo​

Chief Accountant of Julianus Inkasso Estonia

Kristo Mägi

Aktiva Finance Group HR Manager

Maarja Treufeldt

Aktiva Finance Group Marketing and Communication Team Lead

Gjunai Abdullajeva

Aktiva Finance Group Executive Assistant

Join us

Do you want to start a career in Aktiva Finance Group or one of our subsidiaries? We are looking for enthusiastic people for our offices in Tallinn, Riga, Vilnius, Kaunas and Warsaw, who relate to our values and want to be part of the fascinating financial world.

If you are interested in self-development and a job in customer service, IT, law, accounting, or sales, send us your CV and motivation letter. We will contact you when we find a suitable position.

Licenses

The financial supervisory authorities have issued the following operating licenses to Aktiva Finance Group companies, which grant the right to provide account information services, initiate payments, offer money transfer services and many more.

Holds an activity license no. 4.1-1/170 since 17.12.2018. Under this license the company is authorized to provide account information services, the service is used by banks and credit providers in their credit decision-making process. The service is also provided in the Republics of Latvia and Lithuania, in accordance with Estonian Financial Supervision Authority issued license no. 4.1-1/101 on 08.07.2019. The service is provided on the platform Accountscoring.com.

Holds an activity license no. 4.1-1/100 since 06.07.2020. Under this license, the company is authorized to provide payment initiation services, in addition on 02.05.2022 the Estonian Financial Supervision Authority authorized the company to provide account information services, license no. 4.1-1/66. The services are also provided in the Republics of Latvia and Lithuania. For this purpose, the Estonian Financial Supervision Authority has issued license no. 4.1-1/118 on 06.09.2021. The service is provided on the platform Tarkpay.com.

Holds a license from the Bank of Lithuania no. 03-91 since 19.05.2011. Under this license, the company is authorized to provide money transfer services. Additionally, it holds a license issued by the Bank of Lithuania no. 03-183, issued on 07.12.2023, for the issuance of payment instruments and/or acceptance of payments.

Julianus Inkasso Latvija SIA

Provides extrajudicial debt collection services under license no. PA-2022-2, issued on 01.05.2022, valid until 30.04.2025 by the Consumer Rights Protection Centre of the Republic of Latvia. The license is renewed every three years.

Holds a financial supervision license issued by the Estonian Financial Supervision Authority, which recognizes the license issued by the Bank of Lithuania to UAB “Viena sąskaita.” Under this license, the company is authorized to provide money remittance services.

Holds a financial supervision license no. 4.1-1/110 since 07.08.2017. Under this license, the company is authorized to provide credit intermediation services.