01
Insolvency rarely lasts forever
People get a new job, sell an asset, inherit or start over. A company that could not pay in 2023 may be able to in 2027. The state changes — that is what the word means.
Monitoring · Claims that are not lost Insolvency is a state.
Insolvency is a state.
Not a verdict.
If the debtor cannot pay today, we do not close the case. The claim is kept legally alive, the ability to pay is monitored — and the day it returns, recovery starts on its own. Even if years have passed.
Writing off is a decision.
Not a fact.
It is made because the alternative requires something no finance department has: time and a legally durable claim.
02
But the claim becomes time-barred meanwhile
An invoice claim without a basis becomes time-barred, as a rule, after three years. Keeping the invoice in a spreadsheet and hoping for the best is therefore not a plan — it is an expiry date.
03
And no one on your side is watching
No finance department has time to follow an insolvent debtor for five years. So the claim gets written off — and the debtor has effectively been given a 100% discount for being patient.
The claim is kept alive —
and we keep watch
From the case that cannot be recovered today, to the money coming home anyway. Your work along the way: nothing. You do not hear from us again until something happens.
- When the ability is missing Established, not guessed
The case is not closed — it changes track
If the credit assessment or the bailiff court shows that the debtor cannot pay, the case does not go in the bin. There is no reason to spend more money on recovery today — and no reason to give the claim away.
- First The decisive step
The claim is made durable
If there is a basis — a judgment or an endorsed payment order — the claim is enforceable for ten years, and the limitation period can be interrupted anew. That is why a legal step can be right even when there is nothing to recover today: it is what makes the monitoring possible tomorrow.
- Ongoing For years, if necessary
The ability to pay is monitored
The case sits in monitoring, and the debtor's circumstances are followed. If the ability to pay changes, the claim comes back to life — without anyone on your side having to notice, and without you having to do anything.
- When the ability is there
Recovery resumes
A case handler picks up where we left off: calls, negotiation, an instalment plan — and if necessary another round in the bailiff court on the basis we already have. There is no starting over.
- On payment Success fee 20% + VAT
The money you had written off
The amount is reconciled and booked in your accounting system like any other payment. It is the one case type where we take a share — even on Pro. Then again, the alternative was zero.
20% of a claim you had written off.
Or 100% of nothing.
Monitoring is the one case type where we take a share of the principal — even on Pro, where everything else is 0%. We put it out here because it is easy to defend once you know the alternative.
01
The one exception to 0%
If a monitored debtor pays, we take 20% + VAT of what comes home — regardless of which tier you are on. It is the only case type where our success fee is not zero, and you should hear it here, not from an invoice.
02
The maths is easy to take in
The claim stood as a realised loss. It was worth zero. 80% of something is still infinitely more than 100% of nothing — and you have not lifted a finger for it.
03
There is no price for waiting
A case in monitoring costs nothing a month. It only costs something the day it brings you money. That is why it can sit for years without anyone having to defend it in a budget.
You do not have one lost case.
You have a ledger.
Most large companies have realised losses on file going years back. Some of them are time-barred. Some of them are not.
01
Cases that ended in a declaration of insolvency
They are born for monitoring. The basis is already there, the claim is enforceable, and there is nothing to do but keep watch.
02
Claims you have already written off
If you have a ledger of realised losses from recent years, we can take them in as a batch. We look them over and tell you which can still be recovered — and which are lost for good.
03
Cases where the debtor disputes nothing
He does not disagree. He simply has no money. It is the cleanest monitoring case there is — and the one that most often ends up being paid.
The claim is not lost — it is just not paid yet
Create an account and send the case in, or let us look through your written-off claims. It costs nothing to have a case in monitoring — only when it pays off.