IBCC helps businesses recover unpaid invoices and portfolios of commercial claims in Belgium and internationally, adapting its approach to the invoice age, the debtor and the commercial relationship.
The older a debt becomes, the harder it may be to recover. A structured collection approach is often useful when reminders fail, payment promises are broken or the debtor stops responding.
One or more invoices remain unpaid despite reminders and routine discussions.
The debtor has promised to pay but has not honoured the commitment.
Calls, emails and letters go unanswered and a more formal approach is needed.
Debt collection means more than sending repeated reminders. The aim is to understand the obstacle, obtain a response, secure a payment commitment and give you a clear view of the next steps.
Reviewing the case, available evidence, age, amount and business context.
Using appropriate channels: email, telephone, letter or formal demand, depending on the case stage.
Seeking payment, an agreement or a credible repayment plan where appropriate.
If payment remains blocked, reviewing the next step: the Belgian IOS procedure, dispute handling, proceedings or another suitable solution.
The contact strategy depends on the debtor, the value of the business relationship, the amount involved and the responses received. IBCC combines relevant channels without applying one scenario to every case.
Structured, traceable communications suited to the stage of the case.
Direct discussions to understand the obstacle, obtain a clear position and negotiate where useful.
Monitoring agreed commitments and instalments, with creditor approval where required.
Before starting proceedings, the debtor’s solvency, claim amount, evidence, costs, likely duration and realistic recovery prospects must be assessed.
Assessing whether the debtor appears to have assets or income that could support effective recovery.
Checking invoices, orders, contracts, terms, correspondence and other relevant documents.
Weighing the costs and duration of proceedings against the amount and recovery prospects.
The debtor’s country can affect the steps, timescales, practices and remedies. Depending on the case and jurisdiction, IBCC can coordinate appropriately qualified local professionals.
For recurring late payments or several cases, IBCC subscriptions can bring prevention, monitoring, reminders, collection and certain procedures into an ongoing arrangement.
IBCC reviews the documents, the commercial relationship and the steps already taken to provide a personalised approach. Gather invoices, contracts, accepted terms and correspondence with the debtor.
Check the due date and any dispute, then gather supporting documents and previous reminders. IBCC assesses the claim and organises an appropriate amicable approach. Where further action is needed, the costs and options are reviewed and qualified professionals are involved as appropriate.
For B2B transactions governed by Belgian law, the applicable contractual rate or otherwise the statutory commercial late payment rate must be checked. Where the legal conditions for late payment interest are met, the Act of 2 August 2002 provides for a €40 fixed compensation amount. Additional recovery costs may qualify for reasonable compensation.
IBCC’s fees depend on the agreed mandate and services. They are not automatically recoverable in full from the debtor. Request a cost breakdown before committing. Your net proceeds depend on the amounts actually collected and the terms accepted.
Check the instalment date and payments received, then send the agreement and correspondence. IBCC reviews the next step; a missed instalment does not automatically lead to proceedings or attachment.
Assess my claimIt covers the steps taken to obtain payment of an overdue claim, through amicable recovery first and, if necessary and appropriate, suitable proceedings.
When reminders fail, a commitment is broken or the debtor stops responding, acting promptly may be useful.
Amicable recovery seeks payment or an agreement without proceedings. Judicial recovery is considered when proceedings become necessary and justified.
Yes. Tone, channels and contact frequency can be adapted to the business relationship and the debtor’s conduct.
Yes. IBCC can monitor agreed instalments and payment commitments within the framework agreed with the creditor.
Yes. Depending on the case and country, IBCC adapts the approach and can coordinate qualified local professionals.
Send the essential case information and supporting documents so IBCC can carry out an initial review.