Enable a collection agency

No Cure, No Pay for outstanding payments

Do you want to hire a collection agency? We take immediate action and continue where others stop. So is a payment still outstanding for an invoice you sent? Submit your direct debit and we will get to work.

Calling in a collection agency: the friendly approach

If you are considering using a debt collection agency, it is essential to choose a company that treats your customers with courtesy and respect, as it could be that your client has simply forgotten to pay. Debt collection agency Credifin focuses on maintaining good relationships with your customers, while at the same time we take care of the collection of your outstanding receivables.

Credifin: the collection agency for you

At Credifin debt collection agency we are eager to help you! As a collection agency, we are not only available for large invoices, but also for small outstanding amounts. Both private and business assignments fall within our domain. We are collection experts in heart and soul, but we also join forces with bailiffs, so that we can guide you through the entire process. In this way we are happy to take a lot of work and stress off your hands.

Specialist in the amicable process

We start with an amicable collection, where we, as a collection agency, try to collect the amount due without judicial intervention. We do this by informing the debtor about the outstanding payment and pointing out the consequences of non-payment of the claim.

Our approach as a collection agency is friendly, but compelling when necessary. The aim is to arrive at a solution that is acceptable to all parties. Sometimes a payment arrangement can offer a solution, while in other cases a collection letter will suffice.

If the amicable collection is not successful, we can, in consultation with you, proceed to a judicial collection. In this case, we will prepare a summons and take the case to court. This process can take longer and entail additional costs, but sometimes it is necessary to be able to collect the outstanding amount in this way.

It is not always clear when you can call in a collection agency, how the process works and what the costs are. That is why we would like to explain how we work at collection agency Credifin:

  • 100% No Cure, No Pay
  • No subscription or file costs
  • Fast results thanks to 17 years of experience
  • Follow the progress 24/7 in your online file
  • Submit your direct debit within 5 minutes

When to hire a collection agency?

You can use one for every outstanding payment! However, there are a few things to keep in mind:

Consumer Claims – Specific rules apply here. In addition to the regular invoice, don’t forget to send at least one final reminder or a 14-day WIK letter.

Business Receivables – The rules are different here. Payment reminder, reminder or 14-day WIK letter? Not required! The Commercial Transactions Payment Arrears Act states that collection costs and statutory interest are automatically due and payable if a claim is not paid within 30 days or the agreed payment term. More info? Article 6: 96 Civil Code paragraph 4!

Not an expert in laws and regulations? Do not panic! We always check all outstanding incoming receivables. Engage our collection agency and we will get to work. You can wait for your payment carefree, while we take care of it.

Have we received full payment? Then we will transfer it to you as soon as possible. At most one week after receipt of payment!

From what amount can I call in a collection agency?

We do not apply minimum amounts at collection agency Credifin. We believe that every payment is important to you! So, whether it concerns a small or large amount, you can call in debt collection agency Credifin for any amount.

Do you want to deposit a small outstanding payment with us once? Or maybe submit several large invoices because a client refuses to pay? No problem! We are ready to help you and to get started with all outstanding payments.

Diversity in debt collection services: what does Credifin have in store for you?

  • Business collection agency? Check! Do you have a persistent customer who just won’t pay? Our business debt collection services are here to support you. Our team knows better than anyone how important it is to nurture business relationships. Do not worry; we treat your customers with respect and tact.
  • Debt collection agency for individuals? Also that! Sometimes it is not the companies, but the individuals who have outstanding bills. Don’t worry, we have experience in collecting private debts (individual debt collection agency). With our approach we ensure that you get what you are entitled to.
  • Debt collection agency for associations, we help too! Contribution not paid? Other outstanding amounts? Credifin comes to the rescue with collection services especially for associations (collection for associations). We know exactly how to handle situations like this.
  • International customers? No problem. Debtors abroad can be difficult, but as a collection agency we have the knowledge and experience to successfully complete international collections as well.
  • Accounts receivable management – sounds good, right? Debt collection is one thing, but how about help with organizing and maintaining your debtor administration? This gives you more insight into the financial situation of your company.

Submitting a collection: how does it work?

Submitting a collection is very easy with us. You simply do that online, after which we get started right away. So do you want to hire a collection agency? We explain step by step how this works.


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You can submit a collection online
You can easily submit your direct debit order online. That will take you a maximum of 5 minutes. You are not committed to anything after that, because at Credifin we do not charge any subscription or file costs. You can therefore also engage us once for an outstanding payment.


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Upload je facturen en verstuurd de aanmaning

Upload invoices in the collection portal

You can easily upload your invoice(s), so that we can get started right away. We then check all data. If any data is still missing, we will complete the file and get to work immediately.



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Direct aan de slag met je incassovordering
We will get to work for you
We will start working with your outstanding payment(s) the same day. We do this on a No Cure, No Pay basis. Has your debtor not paid anything? Then you don’t have to pay us anything. View our calculation example to see how we calculate the collection costs charged to the debtor.


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24/7 online : incasso, herinneringen en laatste aanmaning versturen
Track the progress of your progress
Keep track of the progress of the claim in your online file 24/7. We record all contact moments (telephone calls, SMS, e-mail and letters)  with your customer and the agreements we make with them. This way you are always aware of the current status.



Call in a collection agency for costs

We understand that engaging a debt collection agency can sometimes feel like a big step. That is why we use the No Cure, No Pay principle. This means that we do not charge any costs if we are unable to collect the amount due. Is it possible to collect? Then we recover the costs from the debtor, so that you do not have to worry about extra costs.

Our working method and rules of the game explained

On our No Cure No Pay collection page we explain our working method and rules. Here you can find how we calculate the costs for full collection, partial collection and if no collection is made. This way you know in advance exactly where you stand if you decide to do business with us.

At our collection agency you do not pay any subscription or file costs and you receive free online insight into the progress of your current collections. However, costs may be charged for, for example, a final notice, starting legal proceedings or filing for bankruptcy. However, as a collection agency we will always be transparent about any costs associated with this.

How does Credifin differ from other collection agencies?

Engaging a collection agency is wise if there is an outstanding payment that the customer does not pay. However, which agency you choose determines whether you have the right approach. There are countless collection agencies, but Credifin stands out because:

  • Digitization – Working fully digital and online, that’s our thing! This makes us extremely efficient and allows us to switch quickly.
  • Accessibility – We consider it essential to be easily accessible for our customers. So you can always contact us with questions or comments.
  • Customization – Attention to every case, big or small. We offer customization to our customers and handle every outstanding payment with due care.
  • Transparency – Working method, costs, conditions: everything is crystal clear with us. That way you always know where you stand at Credifin.

If you choose Credifin, you choose a unique approach that makes the difference!

While maintaining satisfied customers

Financial issues, if not run smoothly, can do a lot of damage to the relationship between you and your customers. Of course you want to receive all the payments you are entitled to, but you would rather not lose any customers. That is why we always approach your customers in a friendly and respectful manner. At your request, we can also handle this with extra caution.

Due to the respectful and calm approach of debt collection agency Credifin, many clients that we remind and remind for our clients eventually become our clients themselves. This is because the way we work really appeals to them. That’s great, because that way you can be sure that the customer won’t be left with a bitter aftertaste after they receive a collection from you.

This is what our customers say about our collection agency

Highly recommended! Very very helpful! Despite it being a relatively small bill, they handled it as if it had been a big one. I am so glad I hired them.Studio Rodenhuis

Very good communication, clear website and secure environment in which documents and communication are shared.HSV the Working Dog Teteringen

Unfortunately I have to use this service sometimes; but i’m happy with it when i need it. I have now been helped 2x; 1x with a private individual and 1x with a company who stuck their heads in the sand…Handyman Michel

I have a very high regard for debt collection agency Credifin, I have been submitting debt collection cases since 2019, almost always with a good result, I found them on the internet at the time, I thought I would give it a try, I created an account and I am on it right away went to work, and to this day have not regretted it.Administration office de Jong

For any amount: we get to work

Hiring a debt collection agency like Credifin costs you nothing, because we work on a No Cure, No Pay basis. This applies to large outstanding payments, multiple outstanding invoices and a one-off order. You can easily submit your collection online, after which we will immediately start working as the best collection agency in the Netherlands.

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Frequently asked questions

View all FAQ's

What is a collection agency? (the history and definition of a collection agency)

A collection agency is a company that is engaged to collect outstanding debts on behalf of a creditor. For example, this could be a company that owes money to another organization or to an individual. If the debtor does not pay voluntarily, a regular collection agency can be called in to help collect the money.

Debt collectors have a long history, dating back to ancient times, when lenders used a variety of methods to collect unpaid debts. Over the years, these practices have evolved and adapted to changing economic conditions and legal frameworks. In modern times, collection agencies are professional organizations that work within the confines of the law to collect debts on behalf of their clients. They play a vital role in the economy by helping to maintain cash flow and minimize credit risk.

As a private individual, can I engage a collection agency?

Yes that is possible. We only deal with matters related to rental agreements and loans.

This means that we can help you if you have problems collecting rent from a tenant or if you have lent money and it is not being paid back.

With money loans, it is important that you have a signed loan agreement, because this provides clarity about the agreements made.

Unfortunately, we cannot help you with alimony and family matters. You can think of, for example, divorces, visitation arrangements and alimony issues.

If you have any questions or would like to discuss your case, please call us. We can be reached on working days between 08:30 and 17:00 on telephone number 020-3452675.

Our employees are happy to talk to you and can give you more information about how we can help you with your specific situation.

From what amount can I submit outstanding payments?

You can submit a direct debit for any amount. We will get to work if you are entitled to the amount that you have not been paid. We do this for large and small amounts, for multiple invoices or a single assignment.

How much does it cost to hire a collection agency?

It costs nothing to engage us as a collection agency. We work on a No Cure, No Pay basis. We charge our collection costs to your debtor, so are you unable to collect the amount? Then you pay nothing, not even subscription or file costs. We do not charge hidden costs.

View our collection conditions >

Can you also collect my personal loan as a collection agency?

Yes, as a collection agency we can collect personal loans. As a private individual, you can hand over the claim and submit a collection order for loans, provided that a signed agreement is present.

Please note that we do not handle alimony and family matters. When creating an account, you can enter your last name and ‘private’ under company details. If you have any questions, you can call us on 020-3452675.

Do you also collect rent as a collection agency?

Credifin Nederland, as a collection agency, does indeed also collect rents.

For example, we offer rental collection services for both private and business landlords who are experiencing problems with collecting rent. We help landlords to collect overdue rent and ensure a fast and effective approach. We work as a collection agency on a ‘no cure, no pay’ basis, which means that no costs are charged if the claim is not successfully collected. Due to our extensive experience and expertise in the field of rent collection, we are able to assist landlords in a professional manner and to provide an effective solution.

Submit a rental collection and use our No Cure NO Pay collection conditions. Click for here

As a collection agency, do you also specialize in collecting claims for associations?

As a collection agency, we at Credifin Nederland are indeed specialized in collecting claims for associations.

We understand that associations often have to deal with unpaid contributions, sponsor contributions and other outstanding receivables. That is why we offer an effective and efficient approach to collect these receivables. Our aim is to maintain the relationship between the association and its members, while at the same time striving for a successful collection. We apply a ‘no cure, no pay’ principle, which means that associations only pay if the collection is successful. Our transparent working method as a collection agency for associations and our online collection portal ensure that associations are always aware of the progress of their collection processes.

We also work closely with club collect, you can also submit cases to us via club collect. For more information, please contact us at 020-3452675

As a collection agency, do you also do re-collection?

Yes, debt collection agency Credifin offers the possibility to resubmit old claims that have previously been handled by another debt collection agency. As long as the claim has not expired, there are still options to collect it.

When submitting a re-collection, there must be at least one year between the previous direct debit order and the current direct debit order to increase the chance of success. Different payment conditions apply to re-collections because the chance of payment is smaller and the older a claim is, the smaller the chance of payment.

Debt collection agency Credifin has years of experience and a database with tens of thousands of debtors, which helps with the (still) successful collection of receivables. Filing a case takes little time and can still yield a significant amount of money.

For more information, see our debt collection agency page re-collection

Are you a collection agency with coverage throughout the Netherlands?

Of course. We collect throughout the Netherlands. Our office is located in Amsterdam, you can engage us as a larger debt collection agency throughout the Netherlands, from Amsterdam we offer national coverage. This is possible with collection agency Amsterdam, collection agency Utrecht, collection agency Rotterdam, collection agency Alkmaar, collection agency Eindhoven, collection agency Arnhem, collection agency Leeuwarden and collection agency Groningen.

Many foreign clients also know where to find us for debt collection in the Netherlands.

Can I send a WIK letter through your collection agency?

Yes, we also send a final reminder / WIK letter prior to the collection process.

If you want to give your customer one last option to pay the invoice, you can enable us to send a polite and neat final reminder. This is always done on your behalf and on our letterhead, as in most situations this results in faster payment without jeopardizing your customer relationship. Discover more about how we send a Final notice.

What is the difference with a bailiff?

If a collection process does not work, we can take legal action. In that case, a bailiff will eventually be involved. In 95% of cases, the collection agency succeeds in collecting the outstanding payment(s).

As a collection agency, do you have an automatic link (API)?

Yes that is possible. There are three options for submitting bulk direct debits:

  • Delivery via an Excel file, which we then upload into our system.
  • A link with your own accounting system, such as Exact, Afas, Twinfield, Accountview, Microsoft Dynamics and many others.
  • Using our automatic API connection, such as Webservice, Webhooks and Single Sign-On (SSO) login. This makes the exchange of data faster and considerably easier.

If you have any questions or if you would like more information, please do not hesitate to contact us by telephone, you can reach collection agency Credifin on 020-3452675.

What is the difference between a collection agency and a lawyer?

The difference between a collection agency and a lawyer mainly lies in the powers and method of collecting outstanding claims.

As a collection agency, we specialize in collecting claims without the intervention of a court or writ of execution. We offer an accessible service based on No Cure No Pay. Unlike bailiffs and lawyers, who often charge hourly rates and court costs, we only charge statutory collection costs on top of the principal sum, without extra hourly rates or commissions. This makes our services considerably cheaper than those of bailiffs or collection lawyers, especially because the debtor must pay the collection costs.

Although bailiffs and debt collection lawyers have heavier leverage, research shows that 90% of outstanding claims are settled without the intervention of a judge.

In these situations, we as a collection agency offer the most suitable solution for both debtor and entrepreneur. Therefore choose our collection agency, create an account and submit a test case. We ensure that your outstanding receivables are collected in an efficient and cost-effective manner without putting expensive lawyers or bailiffs to work.

What about legislation and collection agencies?

Legislation is on the way, the 1st and 2nd chamber have set the implementation date of the Debt Collection Services Quality Act (Wki) for collection agencies on 1 July 2023. This finally provides clarity about the implementation of this law.

Debt collection agency Credifin is pleased about this, because unfortunately there are still collection agencies that behave inappropriately towards people with problematic debts. With this law, stricter supervision will finally be exercised and rules will be introduced for debt collection agencies.

However, it is important to note that there is not yet a complete overview of all requirements that must be met. Although the legal text of the Wki is known, the Quality of Debt Collection Services Decree (Bki) has not yet been completed. The Bki is the General Administrative Order that describes the necessary requirements that debt collection agencies must meet when applying for a permit.

Here is a summary of any legal rules / upcoming measures that are coming:

The Wki aims to:

  • Protecting debtors against improper and unreasonable collection practices.
  • Improving the quality of debt collection services and ensuring fair competition.
  • Promoting better cooperation between bailiffs and collection agencies.

To achieve these goals, the Wki proposes a number of measures, such as:

  • Debt collection agencies must have a license to offer collection services. In order to obtain a licence, collection agencies must meet certain requirements in the areas of professional competence, integrity and financial security.
  • There will be a central register, where you now all have a Dutch Association of Debt Collection Companies, in which all permit holders are included. This makes it easier for consumers and businesses to check whether a debt collection agency has the correct permit.
  • Rules of conduct are drawn up for debt collection agencies, which they must adhere to. These rules relate to matters such as communication, transparency and the amount of collection costs.
  • There will be an independent supervisor to ensure that debt collection agencies comply with the rules and who can take action in the event of violations. In case of violation of the rules, sanctions can be imposed, such as fines or withdrawal of the permit.

Here are some articles about the law:

Read more about the Debt Collection Services Quality Act >


Read more about the legislation and ACM

Why Credifin?

  • No subscription or file costs
  • 100% No cure No pay
  • Letter sent to the debtor the next working day
  • Easy upload of your invoices
  • Follow the collection process 24/7 via your online file
  • Unique: Free collection with Registered Email ™

What customers say:

9.4 / 10

248 Reviews

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