Construction industry debt collection

Are your projects stalled because clients are not paying their invoices? In the construction and installation industry, stakes are high, margins are thin and invoices are often high. One defaulter can strain your entire cash flow.

At Credifin, you understand that you don't have time for endless wrangling. We make sure your money comes in while you focus on your next project. Wki proof, decisive and construction savvy.

Want more background on how to deal with outstanding invoices? In our knowledge base you can read step by step what you can do when you have an outstanding invoice.

The construction industry in 2026 is more complex than ever. With the Building Quality Assurance Act (Wkb), stricter rules around chain liability and rising costs, you have more on your mind than just building. Your accounts receivable management should not be a closing item.

As a contractor, installer or subcontractor, you often have to deal with:

• Long payment chains: You depend on payment from the main contractor or final client
• Alleged defects: Clients delaying payment because they believe the work is not good enough
• High pre-funding: Materials and hours have already been paid, but you're still waiting for your money

This is precisely why you need a collection partner who understands construction and can move quickly.

In construction, cash flow is your oxygen. If a client doesn't pay, you can't buy new materials or pay your people. You want to minimize that risk.

Credifin acts as your outside collections department. We speak the language of construction and know how to apply pressure without unnecessarily damaging the relationship.

Want to know exactly what steps we take from first reminder to possible bailiff? On our page about the collection process you can read what the process looks like.

Our approach to the construction industry:

• Direct action: submit your invoice and we will basically start the collection process the same business day
• Smart technology: We deploy our AI calling robot Tom, e mail and SMS payment links to make paying as easy as possible
• Strong file construction: We check that your file meets the requirements of 2026, with proper terms and conditions and default notices

That way you keep the focus on execution and projects, while we make sure your invoices get paid.

Do you supply to private individuals, for example for a renovation or installation? Then you are legally obliged to send a correct 14-day letter (also known as a WIK letter) before you are allowed to charge collection costs.

In 2026, judges are strict: If there is a wrong amount in the letter or you miscalculate the deadline, you often cannot recover your collection costs. That will cost you money directly.

We'll help you get this right:

• We check your reminders and final reminders for legal tenability
• We charge the appropriate legal interest rate, often the commercial interest rate applicable to business customers (see also legal interest rate)
• We send the reminder on our letterhead, which often makes more of an immediate impression on the defaulter

This way you avoid costly mistakes and increase the chances that your invoice will be paid quickly.

In construction, payment is often held up because of a perceived defect or discussion about quality. Sometimes this is justified, but often it is mainly a reason to avoid paying.

Our specialists make a clear distinction between a real dispute and improper payment delay. We look at quotations, more and less work, completion reports and communication with your client.

Should a debtor remain unwilling, we can work with our lawyers to scale up to a judicial route. More explanation of this route can be found on our page about the judicial procedure.

Consider:

• Issue subpoena to appropriate judge
• Substantiate claim with a solid construction file
• Attach bank accounts or real estate if necessary

We always look for a practical solution first. But if necessary, we will continue until you get what you are entitled to.

Ideally, of course, you would like to avoid invoices being outstanding for so long that you have to hire a collection agency. With a few smart measures, you can greatly reduce your risk.

We help you with such things as:

• Credit checks: Pre-checking who you are doing business with, so you are less likely to get involved with risky parties. This article on credit checks tells you how to do it smartly.
• Installment payments: Establish smart payment schedules that match work progress
• API link: linking your accounting package to our system so that past due invoices can be automatically forwarded. You can read more about this on our page about the web portal and linking options.

This is how you build a tight accounts receivable process that fits your business and projects.

We work for contractors, installers, subcontractors and other companies in the construction chain. They choose us because we combine results with a human approach.

• High success rate in the amicable phase
• You file your case completely online in minutes
• You have 24/7 access to your files through our online portal
• No Cure No Pay debt collection: No result, no invoice for the amicable process

Don't let your hard work go unpaid. Take control of your cash flow today.