About Us, Our Mission and Vision for Clients
Personal Attention Accuracy
About Us
Agency for control of outstanding debts is a non-banking financial institution specializing in the acquisition and management of non-performing loan portfolios. The company was founded in 2013, and since 2016 has been part of the MFG holding – a group of fintech, insurance, and IT companies whose mission is to provide easy access to financing and insurance protection to everyone, regardless of their current social and financial status.
Mission
We build financial stability and culture for our partners and clients. Our efforts are focused on being a trusted partner that offers innovative and risk-reducing solutions.
Vision
We strive to transform the sector by providing solutions that strengthen trust with our partners while setting new standards for professionalism, ethics, and innovation in the industry.
Values
Over the years, the company has established itself as a reliable partner to numerous financial institutions, non-banking institutions, and telecom operators.
Our focus is on building long-term and sustainable partnerships based on trust and mutual understanding. We value loyalty and provide consistently high quality of service, which makes working with us sustainable.
Humanity
We work openly in an environment of closeness, recognition, and trust
Responsibility
We are guided by responsibility towards people - colleagues, partners, clients, and the environment in which we live and which surrounds us.
Innovation
We are driven by the energy of youth and childlike curiosity, which make us free, innovative, experimental, challenging ourselves and the status quo.
Development Growth
Our History
AKPZ AD BULGARIA
AKPZ AD ROMANIA
AKPZ AD REPUBLIC OF NORTH MACEDONIA
OFFICES
Certificates
Registration with BNB
Information:
“Agency for Control of Overdue Debts” AD is a financial institution registered in the register of financial institutions under Art. 3a of the Credit Institutions Act and Ordinance No. 26 of 23.04.2009 for financial institutions, issued by the Bulgarian National Bank, at the Bulgarian National Bank under No. BGR00467 with an order of the Deputy Governor of the BNB, heading the “Banking Supervision” Department, No. BNB-132131/14.12.2022, with the main activity “Acquisition of receivables on loans and other forms of financing (factoring)” under Art. 2, para. 2, item 12, as well as activity on out-of-court and court collection of overdue obligations to banking and financial institutions, utility companies, insurance companies, etc.
Personal Data Administrator
Information:
As a personal data administrator, Agency for control of outstanding debts AD complies with the provisions of the General Data Protection Regulation for natural persons 679/2016 (“GDPR”) and the Personal Data Protection Act and is subject to regulation by the Commission for Personal Data Protection, which guarantees our partners and clients peace of mind and security when entrusting us with the processing of personal data of obligated persons.
Full Member of ACA
Information:
Effective April 2017, Agency for control of outstanding debts is also a full member of the Association for Receivables Management (ARM). This is a professional non-profit organization whose mission is to disseminate and establish best practices in the field of debt collection in Bulgaria. As the sole full representative of Bulgaria in the Federation of European National Collection Associations (FENCA), the Association is committed to observing the strict membership criteria of ARM to ensure that its members comply with legal requirements and apply best practices for receivables management, in accordance with its Code of Ethics.
Employer Brand
Certificates
Give Time <br>2025
100 CEO Career Show <br> 2025
Good for Everyone <br> Donation 2025
B2b Employer Branding <br> 2025
100 Employers <br> 2025
BAUH Organizational Development 2024
BAUH People Development <br> 2024
B2b Next DiFi <br> 2024
Career Show CEO Silver <br> 2024
Diversity Charter <br> 2024
B2b Employer Branding <br> 2024
BAUH HR Project <br> 2023
Career Show Inspiring Work Environment 2023
TRUST QUALITY
Business Partners
The company has a highly qualified team that is extremely flexible and experienced in view of the specifics of managing and collecting overdue receivables on granted loans. The company proves to be a reliable and loyal business partner that fulfills its commitments correctly, responsibly, and on time, and whose team handles assigned tasks with quality and professionalism.
Galin
Todorov
ACOD AD is a stable, responsible, and loyal partner. Our cooperation began in 2017, since when the company has been our partner in the field of purchasing overdue receivables. They use innovative systems and methods for analysis in the management of receivables portfolios. Along with high standards of work, a main priority of their team is maintaining the good reputation of their clients.
Loic Le
Pichoux
“Agency for control of outstanding debts” AD offers effective and quality cooperation in the field of debt collection. The company has a team of professionals who, in our joint work, demonstrate flexibility and experience in relation to our contractual relationships, speed, and accuracy in processing the submitted information.
Desislava
Dimitrova
The company is our main partner in the field of managing overdue receivables on loans granted by our Company. Our joint activity shows that “Agency for control of outstanding debts ” AD fulfills its commitments professionally, through an effective work style and in-depth experience in collecting overdue receivables.
Tsvetan
Krastev
A key advantage of “Agency for control of outstanding debts” AD is the fact that it has highly qualified managers with many years of practical experience and a proven expert team. They possess knowledge and skills and are primarily specialized in collecting overdue receivables on non-performing cash loans from borrowers. In fulfilling their obligations, the experts strictly adhere to and comply with the legislation in force in Bulgaria.
Nikolay
Nikolov
During the time of joint activity between “AVON COSMETICS BULGARIA” EOOD and “Agency for control of outstanding debts” AD, correct working relationships have been built on the basis of dialogue and without remarks on the level and quality of the work performed by the Company. Along with high standards of work, a main priority of the team of “Agency for control of outstanding debts” AD is maintaining the good reputation and name of its clients.
Daniel
Shopov
A key advantage of “Agency for control of outstanding debts” AD is the fact that it has highly qualified managers with many years of practical experience, a proven expert team, and an established network of experienced legal advisors throughout the country. They possess knowledge and skills and are primarily specialized in the management and collection of overdue receivables. In fulfilling their obligations, the experts strictly adhere to and comply with the legislation in force in Bulgaria.
Petar
Damyanov
Our joint work began at the beginning of this year, since when the company has been our main partner in the field of purchasing overdue receivables on various cash loans. Our joint activity to date shows that “Agency for control of outstanding debts” AD is based on expert experience, in order to provide the best to its counterparties, working to the highest industry standards and representing its clients while strictly adhering to the framework of the law.
Vladislav
Indzhov
Agency for control of outstanding debts is a stable, responsible, and loyal partner of DSK Bank AD. In our cooperation with external agencies for the sale of receivables, the company is one of our main partners, with our joint work dating back to 2018.
Doroteya
Nikolova
“Agency for control of outstanding debts” AD is our reliable and responsible partner. The agency is also distinguished by its loyalty to BNP Paribas Personal Finance S.A., Bulgaria Branch.
Tsvetomira
Sedyankova
