01 / Before sale
Know your customer.
Company background, credit score and suggested credit limit support decisions on whom to sell to and on what terms.
Credit management and debt prevention for businesses
From sale
to payment.
Preventing overdue payments starts before the due date and continues every week.
Inforegister background information, regular contact and a credit manager help reduce overdue invoices and keep payments visible.
Request a quote ↗The whole customer relationship
Check before selling.
Follow up after invoicing.
02 / During cooperation
Notice changes.
Monitoring the customer base and receivables highlights changes in risk before a debt grows.
03 / Payment is late
Call early.
We recommend calling no later than seven days after the due date, and following up weekly where needed.
Kreedix experience with large debt portfolios
Overdue balances shrink.
Consistency sustains the result.
Initial contact can bring a quick change. A smaller, stable overdue portfolio needs regular work.
- 01 / First work cycle60%
is the possible reduction in the original overdue portfolio.
- 02 / Second weekup to 35%
of the original portfolio may be resolved additionally.
- 03 / After roughly two months5–10%
of the original amount typically remains with consistent credit management.
Continuity matters. If regular credit management stops, the overdue portfolio may return to its former level within two to four months.
These figures reflect Kreedix's experience with large portfolios. Individual results depend on the age and composition of claims and the consistency of cooperation.
How we work
A regular rhythm.
Clear responsibility.
Weekly overview.
You share your accounts receivable and overdue invoices so we can see whom to contact.
First call within seven days.
We recommend contact no later than the seventh day after the due date and weekly follow-up where needed.
Credit manager or AI voice agent.
Calls are made in a female voice by a credit manager or an AI voice agent. The agent clearly identifies itself as a robot calling as part of a payment-reminder service. Complex questions go to a manager.
A clear report.
Calls clarify invoice numbers, amounts, dates and payment plans. Written reminders can follow. You see agreements and next steps in the report.
Why does an early call help?
A conversation reveals whether the invoice reached the right person, what prevents payment and when money might arrive. A specific agreement and weekly follow-up keep the invoice in view.
We handle routine calls and exact payment details so you can focus on sales and growth.
Reporting
Know what
has been done.
One report gathers the information you need for your next decision.
- Contacts
- Calls made and letters sent.
- Responses
- Customer explanations and current status.
- Agreements
- Payment promises and signed arrangements.
- Next steps
- What we monitor and when we follow up.
Price
Know what
you pay for.
Credit-management activity package
3.90 €
per package + VAT
What does a package contain?
A call, a letter and handling a payment agreement as one activity package. A credit manager supports AI-assisted contact.
We agree the volume and workflow before starting. Court and international work is priced separately.
Discuss your portfolio ↗No extra charge for credit-management clients
Customer monitoring and up-to-date company data.
€0 extra
Customer monitoring
Follow tax debts, credit-limit changes and commercial-register events affecting your business customers.
Company-data updates
Keep the company information in your customer base current for sales and credit decisions.
For Kreedix credit management clients
EVUL membership and the “Trusted Partner” trust mark.
Free.
Membership and the trust mark are included in the credit management service at no extra charge.
To receive the trust mark, a company must meet EVUL's eligibility criteria.
Ongoing credit management is a paid service. For out-of-court business debt collection, the debtor normally pays recoverable collection costs. Client-fee exceptions and the success fee on collected interest invoices are in the price list.
Good to know
Before
you start.
We will agree a workflow suited to your customers and invoices.
Who benefits from credit management?
Businesses that sell on credit and want to manage customers, overdue invoices and payments regularly.
Is one portfolio review enough?
One review may reduce overdue balances quickly. A stable level takes regular work, typically about two months in Kreedix's experience with large portfolios. If work stops, balances may return within two to four months.
What do you need to start?
Start with your accounts receivable and overdue invoices. We will agree what contacts, documents and data exchange are needed.
Who calls my customers?
A female-voiced credit manager or AI voice agent. The agent identifies itself at the start of the call. A credit manager handles negotiations and individual solutions.
I have only one claim to resolve.
You can submit a single claim separately. See debt collection.
What if the invoice remains unpaid?
We assess the next step based on the claim. Further contact, a payment agreement or separate collection work may follow. Recovery depends on evidence and the debtor's ability to pay.
Let's talk
Your invoices.
Our consistency.
Tell us about your customer base and overdue invoices. We will propose a suitable workflow.