Statement of account and balance statement

The enclosure to the reminder — every outstanding invoice on one sheet, so the discussion turns on the amount and not on what is actually owed.

  • Enclosed with Reminders and formal demands
  • Removes The excuse

When to use it

Enclose it every time you escalate — reminder, formal demand, hand-over. A debtor who owes on eight invoices has a built-in excuse: he does not know exactly what he owes, and he can play for time by asking for a statement. The statement of account removes it. It is also the enclosure the bailiff's court and the trustee ask for, and if you have it in place from day one, you save weeks later.

It has to be right

The wording is rarely the problem. It is the deadline, the fee and what the letter leaves out — and the mistake costs you the expenses, not the debtor.

  • One line per invoice with number, date, due date and amount — not merely a single total
  • Show payments received separately, so the balance can be checked
  • State interest and fees separately. A single figure without specification invites a dispute
  • Send it with every escalation. It is what makes the claim indisputable

How to fill it in

Most placeholders are trivial. These are not.

The invoice lines
One line per invoice. A single total without specification is not a statement — it is an assertion, and it can be disputed.
The interest calculation
Interest runs on the principal, not on the total claim including fees. The reference rate changes on 1 January and 1 July, so a claim spanning several half-year periods must be calculated with the changing rates.

Frequently asked questions

Must the statement of account be enclosed with the reminder?

It is not a statutory requirement. But it is what makes the claim indisputable — and an indisputable claim can take the fast route through the payment order procedure (betalingspåkrav) instead of a full lawsuit.

What if the debtor disputes a single invoice?

Then you collect the rest. An objection to one invoice out of eight must not halt the other seven — it is one of the most frequent and most expensive misunderstandings in debt collection.

Next step Formal demand with notice of collection If the reminders have not worked, the formal demand is next — and the statement of account goes with it as an enclosure.

Legal disclaimer. The template is generic and free to use. It is not legal advice and does not take account of the circumstances of your particular case. Rates, deadlines and statutory references change — check them before you use the document. If the claim is large, disputed or heading for court, call us before you send anything.

Or let the letters send themselves

Reminders, formal demands and notice of debt collection run automatically to the right deadlines — and if payment still fails to arrive, our lawyers take over the case.