What is debt collection?
Have you worked hard for your sales, but the payment keeps coming? That not only eats away at your liquidity, but also at your precious time. At Credifin, we believe that debt collection can be done differently: faster, more digitally and with more respect for the customer relationship.
In 2026, a simple letter or standard e-mail is no longer enough. That's why we combine psychologically smart communication with AI-driven technology. From friendly reminders via e-mail to the deployment of our experienced lawyers; we put the right pressure at the right time. Whether you have a one-time claim as an individual or thousands of invoices as a large corporate client: our goal is 94% success rate in the amicable phase. Without subscription fees, without small print.
- Submitted within minutes
- Completely safe and clear
- Also suitable for bulk processing via API
From final demand to legal action
Every debt collection starts with a payment problem, but which approach is best for your situation? We explain what steps there are. From a final reminder to starting legal proceedings. So you know exactly what to expect.
Final demand letter (WIK letter).
Does your customer not respond to your reminder? Then we will send a final reminder on your behalf. This gives your customer 14 days to pay. This is mandatory for private customers and is also called the WIK letter.
For many people, this is the time when they take action. The letter no longer comes from you, but from a collection agency - and that often provides enough pressure to pay. If the customer pays within 14 days, there are no extra costs. If not? Then we start the real amicable collection process and our specialists will collect your invoice.
Amicable collection
Still no payment coming in? Then the real collection work begins. We do this without litigation. We call, email, send text messages and letters - all clear, neat and firm. We charge interest and collection fees and explain the consequences of non-payment. Can't your client pay at once? Then we'll arrange a payment plan. This way we remain human, but clear. The result: a big chance that you will still get paid, without high costs.
Judicial collection
Is payment still not forthcoming? Then we can look at legal proceedings together. That sounds tough, but we guide you all the way. We explain what the chances are, what it will cost and what it will yield. Then we engage our bailiff and ask for a court ruling. With that judgment, we can enforce payment. So you know exactly where you stand and what your options are.
Rates and costs of a debt collection
Our services operate on the no cure, no pay principle. If we fail to collect your claim, you pay us nothing. In the event of a successful collection, we recover the collection costs from the debtor, so that you do not incur any additional costs.
However, costs may be charged for additional work, such as sending a final reminder, starting legal proceedings or filing for bankruptcy. We always inform you about such costs in advance and transparently.
We have no minimum amount: every claim counts. Whether it is a small or a large invoice, you can submit your file to us without any problem. In addition, we do not work with collection subscriptions. You engage us whenever you want, without fixed charges or hidden costs.
Get your outstanding invoice collected today
Have an invoice that just won't get paid? Submit your collection to us and we will take care of it for you. We start with an out-of-court collection, keep you informed of every step and at the same time guard the relationship with your customer.
You pay nothing in out-of-court debt collection: we charge your debtor the statutory interest and collection costs. This increases your chances of payment without additional financial risk.
Create an account right away, submit your collection and we'll get to work for you.
Do you have questions about how it works?
We get that. You want to be sure you're in the right place. Below, we answer the most frequently asked questions about collections, our process and what you can expect.
No. We work on the principle of no result, no cost. This means that you only pay if we actually collect the money for you. If we don’t, it won’t cost you anything.
Yes, you can. You don’t have to take out a subscription or pay fixed fees. You can also hire us for a single collection order. You’re not stuck with anything.
You have 24/7 access to your online file. There you can see exactly what the status is and what steps have been taken. So you always know where you stand.
Yes. Credifin Netherlands is a recognized debt collection agency and is registered in the official debt collection register. We comply with the Wet kwaliteit incassodienstverlening (Wki). This means that we work carefully, transparently and according to the rules.
Click on the ” Start collecting” button on our website. You create an account and upload your invoice and any attachments. Then we will immediately start working for you. You will receive a confirmation e-mail.
Yes, you can submit multiple invoices at the same time. You can do this manually through your account or through a file or link. This is useful if you want to start collections more often or in larger numbers.
You simply register your outstanding invoices online. Then we get to work on collection for you right away. We will contact your customer via e-mail, text message or other available means of contact. You can always follow the progress in your online file.
Credifin helps you get outstanding invoices paid. You deliver the invoice and we take over the collection process. We do this in a neat and clear way, with respect for your customer. This leaves you time for your own work.
Top experience - always the desired result so far!
Turn- en Sportvereniging VIRTO
A very effective collection agency! We worked with Credifin Netherlands on an international B2B debt. They handled everything professionally, kept us informed and successfully collected the full amount from the debtor within a few days. Highly recommended for cross-border business debt collection.
42 Coffee Cups
We are in fashion with our company and want to keep our focus on the core business. That is why it is very nice to have collection agency Credifin as a safety net! They unburden us and thanks to them we almost always receive all payments.
Bibian Hoyng State-of-Brands
Looking for a collection agency in the region?
Credifin makes debt collection simple, fast and transparent.
Results you can count on
94
Collection success rate.
14
Average time to first payment.
100
No cure, no pay: no fees for no results.
20.000
Customers went before you!