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.
Cash or crash!
You deliver a product or service, send an invoice and wait for payment. Sounds simple, but in practice, that money often arrives late, or not at all. Without good credit management, your cash flow comes under pressure, and a business that does not receive any money can hardly grow. So good debtor management is not an administrative sideshow, it is essential for doing business.
Dutch business in a European perspective
Dutch business is in the midst of a challenging economic environment. Companies face rising costs, increasing regulations and a tight labour market. It is becoming increasingly difficult for entrepreneurs to strike a balance between remaining competitive and growing healthily.
Crucial turning point financing market
The past two years have marked a crucial turning point in the funding market. After a period of restraint, the major Dutch banks are again showing renewed growth in their corporate lending. However, this growth goes hand in hand with a fundamental change in role and selectivity.
Opportunities and bottlenecks
As an entrepreneur, you want to be able to grow without worrying about uncovered risks. Yet sometimes you find that your insurer becomes more cautious just when you need more cover. That's where Xolv's Risk Underwriter comes in: someone who really understands your situation and makes sure you keep the right room to do business.
Tight rules, but still space
You use credit insurance to protect yourself against the risk of non-payment. This offers peace of mind and security, but it also comes with clear obligations. One of the most important ones is the collection procedure. As soon as a customer does not pay within the agreed period, the claim must be transferred to the credit insurer in time.