Tips
5 tips to improve your creditworthiness
Practical steps you can take today to strengthen your creditworthiness.
25 November 20247 min
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Blog & Articles
Stay up to date with the latest news on creditworthiness, loans and financial tips. Independent information for informed financial choices.
Mortgage
Applying for a mortgage with student debt
How does your student debt affect your mortgage options, and what can you do about it?
22 November 20248 min
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Loans
Personal loan vs. revolving credit
The advantages and disadvantages of both types of borrowing, and which suits you best.
15 November 20246 min
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Debt
Paying off debt: the snowball or avalanche method?
A comparison of two popular strategies for paying off debt.
12 November 20245 min
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Business
Business creditworthiness: what do you need to know?
How businesses are assessed and how you can improve your business creditworthiness.
8 November 20247 min
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Loans
BNPL: the risks of 'buy now, pay later'
What you need to know about Buy Now Pay Later services and the potential pitfalls.
5 November 20246 min
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Mortgage
Calculating your maximum mortgage in 2024
The factors that determine how much you can borrow for a home this year.
1 November 20248 min
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Tips
Budgeting for beginners: a complete guide
Learn how to create an effective budget and take control of your finances.
28 October 202410 min
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Business
Trade credit insurance for businesses
Protect your business against non-payment with trade credit insurance.
24 October 20246 min
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Loans
Overdrafts: costs and alternatives
The true cost of using an overdraft and better options for short-term credit.
20 October 20245 min
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Business
What is private debt? A guide for business owners
Private debt is finance provided by non-bank lenders. What it is, how it works and when it may be suitable for your business.
12 januari 20257 min
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Business
Direct lending: finance without a bank
Direct lending is the most widely used form of private debt. How does a loan directly from a fund work, and what does it mean for your cash flow?
13 januari 20256 min
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Business
Mezzanine finance: growing without giving up shares
Mezzanine sits between debt and equity. Here is how to use it to grow or make an acquisition without diluting your stake.
14 januari 20257 min
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Business
Unitranche finance: one loan instead of two
Unitranche combines senior and subordinated finance in a single facility with one interest rate. Useful for acquisitions and transactions with tight timescales.
15 januari 20256 min
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Business
Subordinated loans: what do they mean for your business?
A subordinated loan often counts towards your risk-bearing capital and can enable bank financing. Here is how it works and what the risks are.
16 January 20256 min
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Business
Growth financing for SMEs: an overview of the options
From bank credit to private debt and mezzanine: which growth financing suits your stage, margin and investment plan?
17 January 20258 min
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Business
Business bridging loans: temporary financing
A bridging loan covers a temporary gap in your cash flow or financing. Costs, terms and pitfalls to avoid.
18 January 20256 min
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Commercial property financing outside the banking sector
Private debt providers often finance business premises and investment property faster and more flexibly than banks. Here is how it works.
19 January 20257 min
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Business
Asset based lending: financing against your balance sheet
Stock, machinery and trade receivables can release working capital. How does asset based lending work, and when does it make sense?
20 January 20256 min
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Business
Venture debt for scale-ups: growth without dilution
Venture debt is a loan alongside venture capital. It extends your runway and helps you reach the next milestone without issuing additional shares.
21 January 20257 min
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What is credit information and why do businesses use it?
Credit information is structured information about the creditworthiness of a company or individual. What it contains, where it comes from and how your business can benefit from it.
3 February 20258 min
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Check a company's creditworthiness in 6 steps
A practical step-by-step guide to assessing the creditworthiness of a business contact: from a KVK (Dutch Chamber of Commerce) check to payment behaviour and a credit limit.
5 February 20259 min
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Reduce debtor risk with credit information
What debtor risk is, how to calculate it and which measures demonstrably help reduce write-offs.
7 February 20258 min
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Business
Setting a credit limit for each customer: method and worked example
A practical method for setting a credit limit for each debtor, including a worked example and a reassessment schedule.
9 February 20257 min
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Business
Analysing payment behaviour: the earliest sign of payment problems
Payment behaviour is months ahead of the annual accounts. Which patterns indicate problems and how to respond as a supplier.
11 February 20257 min
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Business
Checking bankruptcies and insolvencies: what the notices mean
Bankruptcy, suspension of payments and statutory debt restructuring are different procedures with different consequences for you as a creditor. Here is how to read the notices.
13 February 20258 min
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Business
Reading a credit report: which figures really matter?
From solvency to risk scores: how to interpret a credit report without a financial background, and which pitfalls to avoid.
15 February 20259 min
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Credit information and the GDPR (AVG): what is and is not allowed?
When may you request credit information about an individual or sole trader, what lawful basis do you need and what obligations come with it?
17 February 20258 min
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Using sector statistics in credit decisions
Payment terms, margins and bankruptcy rates vary considerably by sector. Here is how to factor sector differences into your credit policy.
19 February 20257 min
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Business
Creating a credit policy: the 7 elements you need
An accounts receivable policy on one A4 page: customer acceptance, limits, delegated authority, monitoring, payment demands, escalation and review — with a ready-to-use template.
21 February 20259 min
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Bankruptcy information: what it is and how businesses use it
Bankruptcy information brings together insolvency notices, register data and insolvency trustee reports. What it contains, where it comes from and how your business can use it to reduce risk.
5 March 20258 min
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Centraal Insolventieregister: a guide for businesses
The Centraal Insolventieregister is the official source for bankruptcies, suspensions of payments and debt restructuring arrangements. What you will and will not find there, and how to use it effectively.
6 March 20257 min
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Today's bankruptcies: reading and interpreting an overview
Daily bankruptcy overviews are useful, but only if you know what you are looking at. Here is how to interpret the figures without drawing the wrong conclusions.
7 March 20256 min
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Reading a bankruptcy file: understanding the insolvency trustee's report
Public reports contain the key information about the likelihood of a distribution. Here is how to read a bankruptcy file as a creditor.
8 March 20258 min
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Early warning signs of impending bankruptcy at your customer
Bankruptcy rarely comes without warning. Twelve signs that are visible months in advance in your own records and public sources.
9 March 20257 min
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Suspension of payments: what does it mean for you as a creditor?
Suspension of payments defers payment; it does not cancel debts. What changes for your claims, deliveries and security interests.
10 March 20256 min
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Restart after bankruptcy: how do you assess the new entity?
Bankruptcy is often followed by a restart through a new BV. Here is how to assess whether you want to do business with the successor — and on what terms.
11 March 20257 min
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Submitting a claim to the bankruptcy trustee: a step-by-step guide for suppliers
Your customer is bankrupt. Here is how to submit your claim correctly, invoke retention of title and keep your records in order.
12 March 20257 min
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Using bankruptcy figures by sector in your risk policy
Sector insolvency statistics are more than a news item: they are a management tool. Here is how to translate sector figures into credit limits and payment terms.
13 March 20257 min
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Integrating insolvency monitoring into your receivables process
A one-off check at onboarding is not enough. Here is how to build ongoing bankruptcy monitoring into your order-to-cash process.
14 March 20258 min
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