Intrum is a credit management company. Co. provides clients credit management and financial services. Before its clients sell a product or service, Co. helps them assess potential customers' payment capacity using its credit optimization services. Once the transaction has been made, Co.'s payment services is used, with billing and accounts receivable. Where invoices are past due, Co. provides its debt-collection services to ensure that payment is received for the product or service. Co.'s financial services help clients improve their cash flow and reduce their financial risk. Co.'s operations are divided into three regions: Northern Europe, Central Europe and Western Europe.