credit insurance

To govern is to foresee. It's an old saying, but still holds true. Especially in these uncertain times and certainly for the relationship with financiers. In the journey from application, offer and ultimately signing for a financing agreement, there are a lot of things you need to anticipate. And what you can negotiate on.

Slowly but surely, we will take stock: what did 2022 bring, what could be better in 2023, did you achieve your goals, where do you need to adjust? Can you grow or are you just marking time? In any case, what you can do this year is to read these seven tips. Then you will know what you can still do (or not do) to get the maximum financial benefit from your credit insurance policy or financing. Then you can tick off that too!

From 1 October, deferred taxes have to be paid again and undue NOW benefits will have to be repaid. Borrowing money is no longer free and, as a result, payment problems may increase rapidly. Also because economic growth is slowing down. Companies are generating less revenue. They try to stretch their liquidity position by delaying payment of their invoices.

The explanation is pretty simple, fix the roof when the sun shines. Who does not know this expression? The economy has picked up tremendously after the coronadip and companies are delivering great figures for 2021. Bankruptcies are at historically low levels and credit insurers are accepting a lot of risk.

The chances of the Dutch economy falling into recession are rising, say ABN AMRO and Rabobank. According to the banks' economists, high inflation, clogged supply chains, interest rate hikes, labour shortages and lockdowns in China are the culprits. In this article, we discuss the impact of this mild recession and how you can continue to trade with your customers and suppliers with confidence.

The holiday season is approaching. Many companies run into liquidity problems precisely during these summer months. Now perhaps even more so than in recent (corona) years. Several reasons can be found for this. Think of the government support measures that have been discontinued, raw material prices that are skyrocketing, massively increased energy costs, staff shortages, inflation that is at dangerously high levels, falling consumer confidence and the recession that lurks. In this article, we explain where summer liquidity problems come from and, more importantly, how you can guard against them.

Most people think of credit insurance as covering debtor risks. But actually, credit insurance is much more about avoiding these debtor risks. In fact, it is a great tool to exploit opportunities! In this article, we will show that credit insurance is a great tool for you to grow your business.

Due to increased commodity prices, transport costs, ever-increasing inflation and the war between Russia and Ukraine, there is increasing pressure on credit limits. If the many ominous reports are to be believed, it is now more imperative than ever to keep your cover at the right level. If your credit limit does get reduced, you can do something about it. In this article, you will read about the options of applying for a Top-up limit with a second insurer.

Xolv gets a lot of questions about whether there is now political risk coverage as a result of the war between Ukraine and Russia. An easy question, but a somewhat complicated answer. In this article, we provide the clearest possible answer to this question.

With ongoing digitalisation, credit insurers are increasingly communicating with its customers online. In this article, we provide an overview of notifications, messages and alerts in your online customer portal that relate to your credit insurance. In the online customer portal, you can set up how you want the credit insurer to keep you informed. Often this is by mail, online or both.