> ## Documentation Index
> Fetch the complete documentation index at: https://v2.docs.conduit.financial/llms.txt
> Use this file to discover all available pages before exploring further.

# Sweden

> How to collect KYB documents from business customers in Sweden (SWE) when onboarding through the Conduit API.

## Overview

| Field        | Value        |
| ------------ | ------------ |
| Region       | Europe       |
| ISO 3166-1   | SE / SWE     |
| Registry     | Bolagsverket |
| Last updated | 2026-05-06   |

## Identifiers

Collect two identifiers from each business customer in Sweden and submit them as strings on the application body.

| API field                       | Local name                               | Issuer       |
| ------------------------------- | ---------------------------------------- | ------------ |
| `businessInfo.taxId`            | **Momsregistreringsnummer (VAT number)** | Skatteverket |
| `businessInfo.businessEntityId` | **Organisationsnummer**                  | Bolagsverket |

*Tax ID:* Format: SE + 10-digit Organisationsnummer + 01 (12 digits total, e.g. SE556000000001). No hyphens.

*Registration number:* 10-digit format XXXXXX-XXXX. Universal identifier for all registered legal entities.

## Sector regulators

`Finansinspektionen` · `Riksbanken`

## Legal structures

| Local name         | Abbreviation | Description                                                                                                                                                                                                                                  |
| ------------------ | ------------ | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Privat aktiebolag  | AB           | Private limited company with share capital (min. SEK 25,000); separate legal personality; shares are transferable but not publicly listed. The dominant SME and fintech vehicle in Sweden. Closest US equivalent: LLC.                       |
| Publikt aktiebolag | Publ. AB     | Public limited company with share capital (min. SEK 500,000); shares may be listed on a stock exchange; mandatory CEO (VD). Closest US equivalent: C-Corp.                                                                                   |
| Handelsbolag       | HB           | General partnership of two or more partners; no minimum capital; all partners bear unlimited joint and several personal liability. Closest US equivalent: General Partnership (GP).                                                          |
| Kommanditbolag     | KB           | Limited partnership with at least one general partner (komplementär, unlimited liability) and one or more limited partners (kommanditdelägare, liability limited to capital contribution). Closest US equivalent: Limited Partnership (LP).  |
| Enskild firma      | —            | Sole trader; no separate legal entity; the individual owner bears unlimited personal liability; registered with Bolagsverket or Skatteverket. Closest US equivalent: Sole Proprietorship.                                                    |
| Ekonomisk förening | —            | Cooperative association requiring at least three members; members share profits and losses; liability limited to capital contribution; must register with Bolagsverket. Closest US equivalent: Cooperative.                                  |
| Filial             | —            | Branch of a foreign company registered in Sweden; not a separate legal entity — the foreign parent bears full liability; must appoint a resident managing director and register with Bolagsverket. Closest US equivalent: Branch/Rep Office. |

## How documents combine

For each evidence area, this table shows whether the listed documents are alternatives (any one of) or a bundle (all required). The artifact-by-artifact lookup follows below.

| Evidence area          | Documents needed                                      |
| ---------------------- | ----------------------------------------------------- |
| Legal Registration     | Registreringsbevis                                    |
| Constitutive Documents | Bolagsordning                                         |
| Tax Registration       | *All required:* Momsregistreringsbevis + F-skattsedel |
| Operating Permit       | *Any one of:* Kommunalt tillstånd · Anmälan           |
| Ownership Records      | Aktiebok                                              |
| Governance Records     | Registreringsbevis                                    |
| Signing Authority      | *Any one of:* Styrelsebeslut · Fullmakt               |
| Address                | *Any one of:* Hyreskontrakt · Elräkning · Kontoutdrag |
| Good Standing          | Registreringsbevis                                    |

## Documents to collect

The physical documents you'll collect from your customer, with the evidence area each one proves. One document can prove multiple areas — for example, Brazil's Cartão CNPJ covers both tax and business-registration proof, so it appears once with both areas listed.

| Document                                                                    | Proves                                                |
| --------------------------------------------------------------------------- | ----------------------------------------------------- |
| **Registreringsbevis**                                                      | Legal Registration, Governance Records, Good Standing |
| **Bolagsordning**                                                           | Constitutive Documents                                |
| **Momsregistreringsbevis (VAT)**                                            | Tax Registration                                      |
| **F-skattsedel (F-tax)**                                                    | Tax Registration                                      |
| **Kommunalt tillstånd**                                                     | Operating Permit                                      |
| **Anmälan (kommunal verksamhetsanmälan — municipal activity notification)** | Operating Permit                                      |
| **Aktiebok**                                                                | Ownership Records                                     |
| **Styrelsebeslut (board resolution)**                                       | Signing Authority                                     |
| **Fullmakt (power of attorney)**                                            | Signing Authority                                     |
| **Hyreskontrakt**                                                           | Address                                               |
| **Elräkning (≤90 dagar)**                                                   | Address                                               |
| **Kontoutdrag (≤90 dagar)**                                                 | Address                                               |
| **Sector-Specific License**                                                 | FI tillstånd (FI licence)                             |

### Collection notes

* **Legal Registration:** Ordered from Bolagsverket (bolagsverket.se); available in English; e-certificate issued by email. Treat as stale after 3 months.
* **Constitutive Documents:** Filed with and held by Bolagsverket; obtainable as PDF.
* **Tax Registration:** Both issued by Skatteverket. F-skattsedel confirms approved tax status; VAT certificate confirms SE-number.
* **Operating Permit:** Municipality-issued permit or notification; requirements vary by activity and municipality. Many businesses need only registration — no universal general business licence exists.
* **Sector-Specific License:** Finansinspektionen issues licences for credit institutions, payment institutions, e-money institutions, securities firms, insurance companies, and fund managers.
* **Ownership Records:** Aktiebok is company-maintained and collected directly from the entity. For Swedish ABs with more than 500 shareholders, Euroclear Sweden acts as central securities depository.
* **Governance Records:** Board members (styrelseledamöter), chairman (styrelseordförande), and VD registered with Bolagsverket and reflected in the Registreringsbevis.
* **Signing Authority:** Board determines firmateckning (signing authority); special signatories (särskilda firmatecknare) registered at Bolagsverket. A fullmakt must be signed by authorised firmatecknare.
* **Address:** Lease agreement has no time limit; utility bill or bank statement must be dated within 90 days. Same evidence satisfies both registered-address and operating-address checks.
* **Good Standing:** No standalone good-standing certificate is issued; a recently dated copy of the listed document evidences current standing. Bolagsverket does not issue a separate CoGS; a Registreringsbevis dated within 3 months evidences current registered status and is the accepted good-standing equivalent (subsumed-by-extract pattern).

## Person roles

When you submit a person on the application body, set their `role` to one of Conduit's canonical `BusinessPersonRole` values. Use this table to map a local corporate-governance title onto the right canonical role.

| Local role                           | Canonical API role     | Description                                                                                   |
| ------------------------------------ | ---------------------- | --------------------------------------------------------------------------------------------- |
| Styrelseledamot (board member)       | `CONTROLLING_PERSON`   | Member of the board of directors; governance and oversight role.                              |
| Styrelseordförande (board chair)     | `CONTROLLING_PERSON`   | Chairs board meetings; governance role; elected by the board.                                 |
| Verkställande direktör / VD (CEO)    | `CONTROLLING_PERSON`   | Operational executive appointed by the board; mandatory for Publ. AB, optional for privat AB. |
| Firmatecknare (authorized signatory) | `LEGAL_REPRESENTATIVE` | Person registered at Bolagsverket with authority to sign on behalf of the company.            |
| Fullmaktshavare (POA holder)         | `LEGAL_REPRESENTATIVE` | Person holding a board-issued power of attorney to act for the company.                       |
| Komplementär (general partner, KB)   | `LEGAL_REPRESENTATIVE` | General partner in a Kommanditbolag; unlimited liability; manages the partnership.            |

## Notes

* Aktiebok is company-held, not centrally filed. The shareholder register for a privat AB is maintained by the company (not Bolagsverket); collect it directly from the entity. (Publ. AB with >500 shareholders use Euroclear Sweden for central registration.)
* F-skattsedel is a critical tax-status signal. Swedish B2B counterparties must deduct preliminary tax if a supplier lacks an approved F-tax certificate; its absence is a red flag for an unregistered business.