No Cure No Pay debt collection, the benefits in 2026.

  • 100% No Cure No Pay: no result means no cost.
  • No subscription or filing fees.
  • Fast results thanks to 20 years of experience.
  • Track progress 24/7 in your online file.
  • Submit your debt collection within 5 minutes.
Credifin, No cure no pay incasso in 2026: 100% resultaat, 0% financieel risico

No Cure No Pay debt collection: the results, not the costs

With No Cure No Pay debt collection, you avoid being stuck with extra costs if your customer doesn't pay. At Credifin, we work according to a simple principle: we collect your money from the debtor and recover the costs directly from that party. Does the process come to nothing? Then you pay us nothing at all. That way, you don't run any financial risk.

What is the difference between "No Cure, No Pay" and "Cure, No Pay" debt collection?

With us, you benefit from the unique combination between No Cure, No Pay and Cure, No Pay:

  • No Cure, No Pay: If nothing is paid during the process? Then we close the case free of charge. No result means no costs for you.
  • Cure, No Pay: Does your client pay the full claim (principal, interest and collection costs)? Then you receive the full 100% of your invoice amount. Our compensation consists of the interest and collection costs that your client has paid extra.

No Cure No Pay for any situation

Whether you have a one-time bill or a complex claim, our No Cure No Pay approach works for virtually all types of debt. Our experts have years of experience with:

  • Unpaid invoices: business receivables (B2B) and consumer receivables.
  • Rent arrears: Specialized rent collection for property managers and private landlords.
  • Outstanding Loans: Professional collection of loans between companies or individuals.

Customization for ZZP, MKB and Particulier

Every situation requires a different approach. Are you a ZZP'er and want to protect your cash flow without risk? Are you an SME looking for a reliable No Cure No Pay collection agency for your accounts receivable management? Or do you, as an individual, need help with a debt?

Regardless of your situation, our specialists are ready with tailored advice. We know exactly which approach will yield the best results for your specific case.

No Cure No Pay collection agency for any amount

As your No Cure No Pay collection agency, we make professional debt collection approachable. We understand that unpaid invoices, no matter how small, directly affect your cash flow. That's why we use no minimum amount. Whether it's a few tens or a large amount: we put the same energy into getting your money back.

No subscription or filing fees

You're not stuck with us for anything. We don't charge subscription fees, filing fees or hidden success fees. Whether you submit one invoice a year or a hundred a month, you'll always use our online portal and expertise for free. You can sign up online, upload your invoice and we'll get right to work for you.

What does No Cure No Pay debt collection cost?

Credifin makes debt collection simple, fast and transparent.No results? No costs

Collection No Cure No Pay has three possible outcomes: fully collected, partially collected and not collected. View the calculation examples of the three situations:

Situation Principal Interest Collection costs Total paid Net received
Fully collected €300,00 €4,25 €45,00 €349,25 €300,00
Partially collected €300,00 €4,25 €45,00 €250,00 €205,00
Not collected €300,00 €4,25 €45,00 €0,00 €0,00

What does this mean at the bottom?

No Cure No Pay is really the standard with us, too. Depending on your client's response, there are three possible scenarios:

  • Collected in full: Your customer pays the invoice, interest and fees. You receive 100% of your invoice amount. Our help cost you nothing in this case.
  • Partially paid: Does your customer pay only a portion? Then by law, these funds are first offset against the costs and interest incurred. We transfer the remainder directly to you and continue to collect until the rest is also in.
  • Not collected: Do we unexpectedly fail to collect your money in the amicable process? Then you won't pay us a cent. We bear the risk of the hours and costs incurred.

If your customer pays directly to you

It happens often: after our first action, the customer is startled and transfers the amount directly to your account. That's a success because your money is in!

Because this payment is the result of our work, it works like this:

  • We collect the balance: Does the customer only pay the invoice to you? Then we proceed immediately to claim the remaining interest and collection costs from the customer.
  • Settlement on full payment: Does the customer transfer the total amount (including our costs) to you? Then we will settle our costs with you afterwards.
  • Compensation for success: In the exceptional case that the debtor only pays you the principal sum and the associated collection costs are not collected (in full), we will charge you these collection costs. This is the compensation for the work we have performed for you.


    If payment of all or part of the principal remains unpaid, there is the possibility of pursuing the case through a subpoena. We take this step only with your agreement. If you decide not to pursue the case through the court, you will be charged the collection costs incurred up to that point.

When does No Cure No Pay expire?

In the vast majority of cases, our help costs you nothing at all. The No Cure No Pay guarantee covers the risk that a debtor cannot or will not pay. However, there are some business situations in which we can no longer charge your client for the costs incurred, but we have done work for you. In those cases, we charge you for the collection costs:

  • Withdrawing the file early: You decide yourself to stop the collection process or withdraw the claim while we are already fully engaged with the file.
  • Making a settlement yourself: You make an appointment, payment arrangement or settlement with the debtor outside of us during the ongoing process.
  • Credit or return: You decide to credit the invoice (in part) or return goods after we have already processed the case.
  • Incorrect or untimely filing: The claim turns out not to be due at the time of filing (the due date has not yet passed) or the invoice is substantively incorrect.
  • Honesty is the best policy: We communicate clearly about this, so you know exactly where you stand and we can go for the best result together.

How does No Cure No Pay work abroad?

Doing business across borders involves different rules. Abroad, No Cure No Pay debt collection is usually not possible because local laws often do not allow us to pass on all collection costs in full to your customer.

To give you the best service internationally as well, we work abroad according to the rules of the country where your customer is located.

Our terms and conditions for international debt collection:

  • Fixed basic fee: We charge a fixed fee of €50 per file. This covers the start-up costs and the use of our international network.
  • Success commission: Upon successful collection (full or partial), we charge 15% commission on the principal amount collected.

When is foreign direct debit involved? We speak of foreign direct debit if:

  • You are based in the Netherlands and your client is abroad.
  • You as a client are abroad (regardless of where your client is located).

Directly collect your outstanding invoice No Cure No Pay?

Don't wait any longer for your money. Create an account within two minutes and submit your claim immediately. It only takes you 5 minutes of work, is completely transparent and of course 100% No Cure No Pay.

The final demand letter (WIK letter).

Do you have a claim against a consumer? Then you are required by law to send an official final reminder before we are allowed to charge collection costs. We call this the WIK letter.

With this letter, you give your customer one last chance to pay at no extra cost, but also let them know clearly that we will take over after that. We can take this process completely out of your hands:

  • Impact: A letter from Credifin Netherlands creates immediate urgency.
  • Sharp rates: We send the letter once for €15.
  • Volume advantage: Do you send regular reminders? Then you can do so from as little as €5.00 (excluding VAT).
WIK-brief versturen, hier meer informatie over een wik-brief versturen

Are you unable to collect your money through the amicable process? Then you can opt for legal proceedings to enforce payment. Because we incur external costs for this, this process does not fall under No Cure No Pay.

What should you think about? In legal proceedings, you will incur court costs(court fees), the bailiff (for issuing the summons) and the hourly rate of the lawyer or attorney.

You stay in control: We never just start any procedure. You always receive honest advice about your chances and a clear cost estimate. Only after your explicit agreement will we start. That way you will never be confronted with unpleasant surprises.

Gerechtelijke incasso strarten?

Frequently asked questions about No Cure No Pay debt collection

We understand that when you hear the term "free" or "No Cure No Pay," you are critical. After all, you don't want to be confronted afterwards with small print or hidden administration costs. That is why we have listed the most frequently asked questions about our way of working below honestly and transparently for you.

Different rules apply to foreign claims. Because we often cannot recover all collection costs from the debtor there, we charge a fixed basic fee of €50 and a success fee of 15%. This enables us to deploy the best experts for you internationally as well.

In the amicable process (without a court) our efforts are indeed free of charge for you if your client pays the full amount including costs. This is because we recover our fee from the debtor. Only if nothing is collected, you pay us nothing. There are only a few exceptions where No Cure No Pay is not applicable, such as when you yourself withdraw a case prematurely.

Some agencies charge hidden “filing fees,” “information fees” or “success fees” on the principal, even if they claim to work No Cure No Pay. At Credifin, we are very clear about this: we don’t charge any of these fees. You always receive 100% of your invoice amount in full collection.

There are 5 situations when the warranty is voided and we charge you for costs incurred:

  • You withdraw the file yourself.
  • You make your own arrangements outside of us.
  • You credit the invoice afterwards.
  • The claim was not yet due and payable when filed.
  • This is an international collection (abroad).

Pay special attention to whether you get paid 100% of your principal. Many agencies work on a No Cure No Pay basis, but withhold a percentage (commission) of your money in case of success. This is not the case with Credifin; we get our compensation from the legal collection costs and the interest the debtor pays extra.

No, legal proceedings in court are never covered by No Cure No Pay. This is because external costs are incurred, such as court fees and bailiff fees for the summons. However, we never start such proceedings without your permission and a clear cost-benefit analysis in advance.

A bailiff rarely works in full No Cure No Pay because they perform legal official acts that involve fixed costs. Credifin, as a collection agency, does work in the preliminary phase in full No Cure No Pay, which is much more advantageous and accessible for you as an entrepreneur.

9.4 via Feedbackcompany

Customer reviews, see what our customers are saying:

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

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!