A deal is a deal! Or is it?
We dare to say of ourselves that we are a modern organisation. In a beautiful classical office building, of course. As in all other companies, different generations walk around on our shop floor. From young up-and-coming talent to seasoned experienced professionals. And sometimes we work in different ways. Does that sometimes cause friction? Yes, but you know: without friction there is no shine. On the other hand, we learn just as much from each other. And that makes the mix powerful.
Robust relationships
Rien van Dijk runs the family business Best Sellers BV with his brother Louis van Dijk. Their father, with years of experience in sourcing from Asia, founded the company in 1990 and the brothers immediately joined the adventure. “We supply large volumes of decoration items to leading retailers across Europe,” Rien says. “We source our products mainly from Asia. Our father already had almost 20 years of experience in this when he started Best Sellers. That solid foundation has helped us build lasting relationships with customers and suppliers around the world.”
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.