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1. Costs - No Win No Fee! 

Having long standing relationships with all our overseas partners we have agreements to provide these services on a NO WIN NO FEE basis charging the agreed commission rate against monies recovered only. 

2. Coverage in Belgium 

Belgium is divided into three regions; Flemish (Flanders), Walloon (Wallonia) and the capital Brussels. Our local office is in Antwerp where we can recover debts throughout the entire country. 

3. Local Experience 

Unlike many of our competitors all cases are handled by the local office or partner. The reasons for this are they speak the debtors' language, in the case of Belgium it has 3 official languages; Dutch, French and German. We understand the local cultures and know all the legal processes. These are reasons why Creditreform are the ideal people to help you in collecting debts from overseas. 

4. Statute of Limitation in Belgium 

10 years but there are many special exemptions so whatever the age please contact us and we will advise if we can assist with your claim 
Search a country below for debt collection: 

How to Instruct Us 

We simply require the following details: 
Full name & address of the debtor 
All available contact details of the debtor i.e. contact name(s) / Tel / Mobile / Email(s) 
Amount owed (Invoice(s) or Statement will help) 
PLEASE CALL US ON +44 121 442 5330 FOR FURTHER DETAILS 
Or ask us to call you – just leave us your details: 

Case Study - EUR 3,000 recovered from Belgium Debtor 

Initiation of Case 
 
A leading USA IT group located in New Jersey specialising in memory and storage solutions has outsourced it’s European overdue accounts to Creditreform as we have an extremely strong presence here with expert offices and partners across Europe. 
 
A typical case was for a debt of EUR 3,000 against a Belgium client in Brussels who refused to settle their account with the client. 
 
Debt Collection Processes 
 
Once instructed our expert debt collector sent an initial collection letter to the debtor the same day stating the amount owed and a deadline to pay. Upon receipt of this letter the debtor paid immediately the same day. 
 
Summary 
 
Naturally the client is more than happy with our services and treats us as part of their accounts receivable team for all their overdue accounts throughout Europe. 

Belgium Debt Collection – No Win No Fee 

Creditreform operates a global specialist International debt collections service. We have local offices and fully approved expert international debt collection agency partners in every country worldwide. All our International debt collection agency partners and offices operate on a No Win No Fee basis charging an agreed commission against monies recovered only. 
 
Main reasons why a local country debt recovery agency is so important rather than trying to recover from a debt collection agency UK are as follows: 
 
The local International Debt collection Partners know: 
 
The local cultures 
The languages 
The laws 
Are in the same time zones 
 
Herewith details of our debt collection service Belgium: 

Location of debt recovery office in Belgium? 

Antwerp. All debt collection letters are sent by the local head office. 

Number of debt collection staff? 

5. Each staff member is allocated a client and all their debt collection letters are personalised in order to effect the best response result s from debtors. 

How long have you been operating a debt recovery service in Belgium? 

Since 1988 

What type of debt collection services do you provide? Do you do commercial debt recovery (B2B) and consumer debt recovery (B2C)? 

We handle both Business to Business debt recovery cases and Business to Consumer debt collections cases. There is different content for business to business debt collection letter templates and business to consumer debt collection letters templates

Statue of Limitation in Belgium? 

The Statute of Limitation in Belgium is 10 years. 

How EU (European Union) laws effect debt collection in Belgium? 

Although there are many European legislations, we can work with our national laws. 

How many companies registries in Belgium for businesses (i.e. UK has just 1 central registry)? 

1 registry in Belgium - KBO - Kruispuntbank voor Ondernemingen 

What is the debt collection process in Belgium? 

We first send a debt recovery letter/mail. In B2C we send also a registered letter. After 10 days we send a second debt collection letter, a warning that the file will be transferred to the lawyer. Then we try a phone conversation. Our in-house lawyer send a last debt recovery letter, again after 10 days. We try to settle/close in 1 month. 

Average length of time to collect a debt? 

1 month in Belgium 

Can late payment fees / interest to be added to claims? 

We can add interests, a penalty clause and a file cost (maximum 40€). 

Details on legal service / process in Belgium? 

Our lawyers work under the same conditions. The costs for the bailiff have to be paid in advance. They are added to the claim and have to be settled by the debtor. 
 
We have an own software-system that allows us to cover big quantities of files. They are processed the same day. Our clients receive also a login so they can check the status of their files whenever they want. They are always updated on the same day. 

Belgium Business Credit Reports 

Creditreform provides over 88 million international business credit reports throughout Europe and 200 million international business credit reports worldwide. Total businesses registered (number) in Belgium is reported to be in excess of 1.75 million. Through our online databases you can download Belgium Company Searches instantly. This can be done prior to trading to make sure the company you will be dealing with can meet the commitment or once the debt becomes overdue to ensure the debtor can meet the amount owed. 

Belgium Skip Tracing Agents 

Creditreform’s debt collection company service also uses expert local Belgium tracing agent services to locate any absconded debtor. This debtor tracing service is provided on a No Find No Fee basis only charging for a successful trace. 

Specialist Debt Recovery Experts 

There are many unique requirements to recovering international debts in all countries including Belgium debt collection services which differ from the UK and therefore it is very important that cases are handled directly by our expert international debt collection agencies and not from debt collections UK. This method of international debt collection sets Creditreform aside from the competition who in many cases try and recover debts from a UK debt collector only. Using the local offices and partners enables us to achieve a far greater success rate and our No Win No Fee service together with competitive commission rates against monies recovered only ensures you get the best service. 

Belgium Debt Collection Partners in the following Belgian Cities: 

Which countries border Belgium? 

Belgium is bordered by Netherlands to the north, Germany to the east, Luxembourg to the southeast, and France to the south. 

Who are the main trading partners for Belgium? 

The main export and import markets for Belgium are Germany, France, Netherlands and UK

What is the legal system in Belgium? 

The Belgium legal system is based on The Napoleonic Code is still in use, although it is heavily modified (especially concerning family law). 

What is the name of the Government Gazette in Belgium? 

The Gazette in Belgium is called the Belgisch Staatsblad / Moniteur belge / Belgisches Staatsblatt / Belgian Official Journal. 

Belgium Debt Collection Agency FAQs 

1. How does a Debt collection agency in Belgium recover overdue debts? 

The debt collection process is initiated by an introductory letter to your debtor stating the amount owed to you and informing them of our involvement. Letters are then followed up with emails and telephone calls. From our experience the most effective part of this process will be the outsourcing to a third party debt collection agency in Belgium as the debtor now has to resolve the debt and can no longer hide or provide lame excuses. 

2. How long does the debt recovery agency in Belgium take to process a case? 

The debt collection case will be processed immediately up receipt and a letter sent normally by email and post. You will receive an automated confirmation by return. 

3. What is the success rate for debt collection agencies in Belgium? 

The success rate of the debt recovery case depends on a number of factors including the solvency of the debtor and whether the case has a legitimate dispute. Our aim is to recover every debt that is recoverable. 

4. Does the debt recovery agency in Belgium operate a No Win No Fee debt collection? 

We take on all debt collection cases on No Win No Fee basis only charging the agreed commission against monies recovered. 

5. Why use a local debt recovery agency in Belgium? 

The reasons for using a local Belgium debt collection agency than processing from a different country is the debt collector in Belgium speaks the local language, knows the local laws and operates in the same time zones. 

6. Are there any debts too old or too small for Belgium debt collection? 

We will assess all debt cases, irrelevant of age and size and then advise the best processes to recover these through the Belgium debt collector. 

7. How do I instruct the debt collectors in Belgium? 

Instructing the debt collectors Belgium is a simple process. You just email details of the debt, debtor and amount to be recovered and the case can be initiated. 

8. What evidence do I need to provide when instructing the Belgium debt collector? 

When instructing the debt collector in Belgium just provide copies of invoices/statements, debtor contact details and any relevant information you may have to assist with the recovery process. 

9. Who does the debtor pay? 

In general the debt collector in Belgium will request payments to be sent directly to the client but if not possible for any reasons will take payment directly. If payment is taken then cleared funds will be processed and sent to client straight away. 

10. Can I instruct multiple cases? 

You can send unlimited debt case instructions. Our systems will automate volume cases to meet your requirements. 

11. Can you trace debtors in Belgium? 

Through our network of skip tracing agents we have an extremely high success rate of locating your absconded debtor. 

12. How long does the debt collection process take? 

On average the debt collections process takes 90 days to resolve an amicable debt recovery case. There are a number of factors that can delay this process but we will keep you informed every step of the way. 

13. What are my options if debt collection in Belgium is not successful? 

If the debt recovery service is not successful we will advise you of your options including legal actions. Please note no legal actions or other processes will be taken without prior instruction from you. 
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