{"id":8873,"date":"2026-09-03T09:07:03","date_gmt":"2026-09-03T09:07:03","guid":{"rendered":"https:\/\/www.xolv.nl\/?post_type=nieuwsitem&p=8873"},"modified":"2026-09-06T20:21:43","modified_gmt":"2026-09-06T20:21:43","slug":"higher-interest-rates-higher-risk","status":"publish","type":"nieuwsitem","link":"https:\/\/www.xolv.nl\/en\/nieuwsitem\/hogere-rente-hoger-risico\/","title":{"rendered":"Higher interest rates, higher risk"},"content":{"rendered":"

As a credit manager, you naturally don\u2019t want to miss that important signal. Last year\u2019s financial statements remain relevant, of course, but you want to keep a close eye on how your client is performing and paying today. A credit limit that was justified six months ago may no longer be justified now.\u00a0<\/span><\/p>\n

\"interest<\/p>\n

Active credit management<\/h2>\n

Higher interest rates are putting pressure on your working capital. Financing is becoming more expensive, whilst liquidity requirements are increasing. But you\u2019re not just looking at your own financing position; you\u2019re also assessing the quality of your accounts receivable portfolio. Which customers consistently pay late? Where are the concentration risks? Are the credit limits still up to date? Continuous monitoring is becoming increasingly important. Credit risk and working capital are therefore on the same agenda. You don\u2019t want to wait until a customer runs into trouble. Instead, you want to identify issues earlier, actively manage limits and free up liquidity where necessary. Factoring, for example, can offer a solution by converting invoices into cash sooner, without you first having to adjust your commercial terms.\u00a0<\/span><\/p>\n

 <\/p>","protected":false},"excerpt":{"rendered":"

Rising interest rates \u2013 the ECB raised rates by twenty-five basis points in June \u2013 have led to higher financing costs. On top of this come other cost increases, such as those for energy and staff. Customers with low margins or high levels of debt are the first to feel the impact. A customer who appears to be in a healthy financial position today may quickly find themselves with less financial headroom due to falling margins or declining demand.\u00a0<\/p>","protected":false},"featured_media":8884,"template":"","onderwerp":[20],"class_list":["post-8873","nieuwsitem","type-nieuwsitem","status-publish","has-post-thumbnail","hentry","onderwerp-algemeen-economie"],"_links":{"self":[{"href":"https:\/\/www.xolv.nl\/en\/wp-json\/wp\/v2\/nieuwsitem\/8873","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.xolv.nl\/en\/wp-json\/wp\/v2\/nieuwsitem"}],"about":[{"href":"https:\/\/www.xolv.nl\/en\/wp-json\/wp\/v2\/types\/nieuwsitem"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.xolv.nl\/en\/wp-json\/wp\/v2\/media\/8884"}],"wp:attachment":[{"href":"https:\/\/www.xolv.nl\/en\/wp-json\/wp\/v2\/media?parent=8873"}],"wp:term":[{"taxonomy":"onderwerp","embeddable":true,"href":"https:\/\/www.xolv.nl\/en\/wp-json\/wp\/v2\/onderwerp?post=8873"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}