Please refrain from surprises
A well-designed credit insurance policy is a powerful tool. It starts at the beginning: overview. Without a clear view of the portfolio, it is difficult to achieve coverage that truly suits current business operations. That is why at Xolv we work with our risk reporting, a management information tool that shows at a glance how the credit-insured portfolio is performing.
Adding value everywhere
When you say Twence, you say innovative waste processor that recycles as many valuable raw materials as possible from waste and biomass. Twence also produces sustainable energy in the form of heat, electricity and green gas. Not convinced yet? Then these examples might be more appealing. The development of a regional heat network that offers a sustainable alternative to natural gas for 100,000 homes. A well-known brewery uses sustainable energy in the form of hot water. And a solar park generates energy for thousands of households. CO2 is captured and stored or reused in sustainable carbon cycles. Bottom ash is processed into cycle paths, reducing the need for new raw materials. And valuable raw materials and energy are extracted from manure and organic waste, which can be reused. In short, Twence is constantly working to make society more sustainable. Xolv is delighted to be working with this innovative company!
Budget 2026: Do not forget the funding!
December is traditionally the month in which entrepreneurs and financial teams finalise the figures for the coming year. The focus is almost automatically on the familiar pillars: turnover, margin, costs and the resulting profit forecast. However, what too often remains under the radar is the financing structure. Does the current mix of loans, credit and equity still fit in with the ambitious plans you have set for 2026?
December checklist: 7 tips for taking out the best credit insurance this year
December is a busy month, but now is precisely the time to take another close look at your credit insurance. The checklist below will help you avoid unnecessary costs, keep risks under control and start the new year with a healthy balance sheet and a policy that really suits your business operations.
Protect your business against rising global insolvencies
The global economy is on the verge of a fifth consecutive year of rising business insolvencies. According to the latest Allianz Trade Insolvency Report, the number of insolvencies will rise by 6 per cent in 2025, followed by a further 5 per cent in 2026. This puts the number of insolvencies a whopping 24 per cent above the pre-pandemic average, a historic high that challenges businesses worldwide.
Doing business with confidence
Being an entrepreneur means seizing opportunities, but also managing risks. Especially when it comes to credit risks and working capital financing, it is important to have a partner alongside you who looks beyond the figures. A partner who thinks with you, unburdens you and ensures that you can do business with confidence.
Small print, big impact
As a medium-sized entrepreneur, you know better than anyone how dynamic your business operates. And that working capital is your lifeline to growth and continuity. You may need it to absorb seasonal peaks, pre-finance a large order or optimise your debtor management. The right working capital financing then makes all the difference. Many entrepreneurs stare blindly at the interest rate. While the crucial details are often hidden in the financing contract. Indeed, in the small print!
E-invoicing mandatory for all businesses by 1 January 2026
Digital invoicing will become the new standard in the Netherlands. From 1 January 2026, all companies subject to VAT will have to send and receive e-invoices for their business transactions. This extends the current obligation, which now only applies to invoicing to (central) governments and contracting authorities, to the entire business community. This development is part of the broader digitisation of the invoicing process in Europe and is in line with the European VAT in the Digital Age (ViDA) directive.
Uncertainty inhibits economic growth
The Netherlands is still experiencing slight economic growth (1.1 per cent). In the coming years too, growth will be limited to just under 1 per cent. This growth is inhibited in particular by huge geopolitical volatility. There is unrest in the Middle East, a protracted war in Ukraine, the trade war between the US and almost every country in the world, immigration problems in Europe and the US, tightness in labour markets... And we could go on and on.
Debtor or debiZeur?
Who are you doing business with? Do you actually know? You might immediately think, "yes, of course! But do you always dare to say so honestly? Especially with new customers or when something changes with existing customers, it is good to take a critical look at their creditworthiness.