Bos Incasso

Name

Bos Incasso

Legal name

Bos Incasso B.V.

Website

https://bosincasso.nl

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ)

Keywords

• Debt collection services
• Credit management
• Judicial collection
• Debtor management support
• Customer contact center

Headquarters

HQ city

Groningen

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Incasso Subscription (MKB): Annual subscription at €175/year (excl. VAT) allowing unlimited invoice submissions for the SMB segment. The subscription is auto-renewed annually unless cancelled 2 months prior. Revenue is recurring and predictable, supplemented by statutory collection costs and interest charged to debtors.
2. Minnelijke Incasso - No Cure No Pay: Amicable (pre-litigation) collection on a no-cure-no-pay basis: if the invoice is not recovered, the client pays nothing. Recovery costs (interest, statutory fees, third-party costs) are charged to the debtor, not the client. This is the primary revenue driver.
3. Gerechtelijke Incasso (Judicial Collection): Judicial debt collection services with a cost cap of €200 for bailiff and court fees beyond what is covered by the subscription. Costs are in principle borne by the debtor if collection succeeds.
4. Bos Customer Service (Outsourced Contact Center): Fully or partially outsourced customer service for clients' end customers, billed as a managed service. Includes inbound/outbound phone, chat, and email handling by trained staff.
5. Training - Sociaal Verantwoord Communiceren & Incasseren: In-company one-day training on stress-sensitive communication, active listening, and debt management, delivered by Keurmerk SVI trainers. Participants receive a certificate upon completion.
6. Juridisch Advies: Legal advisory services covering European and Dutch law, providing clients with assessments of the viability of judicial collection and guidance on regulatory compliance.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core offering

Bos Incasso provides debt collection services (amicable and judicial), credit/debtor management, and outsourced customer contact center services to Dutch businesses across SMB and enterprise segments. Core delivery is via an annual subscription (Incassoabonnement at €175/year) granting unlimited invoice submissions with no-cure-no-pay amicable collection, complemented by dedicated enterprise account teams and a proprietary online portal (Mijn Bos Incasso).

Product overview

Bos Incasso is a Dutch debt collection agency offering a portfolio of collection and customer relationship management services under three main brands: Bos Incasso (core collection for MKB and enterprises), Bos Credit Management (debtor management support), and Bos Customer Service (outsourced customer contact). The company also provides complementary services including legal advisory, WIK compliance tools, and financial wellness support through budget coaching. Key products include the annual Incassoabonnement subscription (unlimited filings for €175/year with no-cure-no-pay for amicable phase), sector-specific collection services for healthcare, education, insurance, and fixed expenses, and the Mijn Bos Incasso online portal for real-time case management. The company follows a 'naast elkaar' (side-by-side) philosophy emphasizing human-centered, socially responsible collection practices.

Differentiator

Problem solved

Functional benefit

Brands

• Bos Customer Service: Outsourced customer service and contact center solutions for businesses
• Bos Credit Management
• Bos Incasso
• Mijn Bos Incasso

Products and services

• Bos Incasso MKB (SMB Debt Collection Subscription) Debt collection service for small and medium-sized businesses (MKB) under an annual subscription model allowing unlimited invoice submissions for a flat €175/year fee. The amicable phase is no-cure-no-pay and includes integration with the Mijn Bos Incasso portal for online submission, real-time tracking, and reporting.
• Bos Incasso Grootbedrijf (Enterprise Debt Collection)

Quantifiable outcome

• Over 90% of payment agreements are honored
• +5 more outcomes

Named customers34 records

Segments7 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• SchuldenknooppuntcoreStrategic or Co-development Partner · 1 January 2024Bos Incasso was the first incassopartij (collection party) to join the Schuldenknooppunt platform, which connects debt counselors, municipalities, and creditors for secure, real-time data sharing on debtor situations. This partnership enables faster identification of debtors who cannot pay, accelerating resolution and reducing unnecessary collection costs. Frank Roorda, operational manager at Bos Incasso, is an active ambassador for the platform.
• LAVG GerechtsdeurwaarderscoreStrategic or Co-development PartnerBos Incasso works closely with LAVG Gerechtsdeurwaarders for judicial collection proceedings. When amicable resolution fails, Bos Incasso refers cases to LAVG bailiffs who conduct home visits to initiate dialogue with debtors. Sem (incasso employee) and Leonie (LAVG bailiff) represent a two-step human approach: Bos Incasso handles the amicable phase, LAVG handles physical visits and forced execution. The partnership ensures continuity of the human-centered approach into the judicial phase.
• Keurmerk SVI (Strategisch Partner)coreStrategic or Co-development PartnerBos Incasso is a strategic partner of the Keurmerk Sociaal Verantwoord Incasseren (SVI), an independent certification body for socially responsible collection. As a strategic partner, Bos Incasso actively advocates for SVI certification across the entire collection chain, including its own clients and other chain partners, to promote social collection standards nationwide. The partnership includes co-development of training programs and shared thought leadership.
• SBB (Samenwerkingsorganisatie Beroepsonderwijs Bedrijfsleven)minorOthersBos Incasso is an SBB-recognized training company (SBB-Erkend Leerbedrijf) for MBO Recht (Legal) programs. This enables the company to offer internships and graduation assignments, contributing to the development of future professionals in the legal/collection sector while supporting its own talent pipeline.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Flanderijn: Established Dutch debt collection and credit management firm serving both SMB and large enterprise clients. Operates a similar subscription-style offering for smaller accounts and dedicated account teams for enterprise customers, making it one of the closest direct competitors to Bos Incasso in the Dutch market.
• Intrum: Pan-European debt collection and credit management leader headquartered in Sweden with a substantial Dutch operation. Directly competes with Bos Incasso for Dutch enterprise and SMB collection mandates across healthcare, telecom, energy, and insurance verticals, supported by a much larger balance sheet and broader geographic footprint.
• Recoveri B.V. Netherlands-based collections and credit management services provider focused on receivables management for SMB and mid-market clients. Operates with a comparable digitally enabled, no-cure-no-pay amicable model and is a relevant direct competitor to Bos Incasso's SMB subscription and amicable collection offerings.
• EOS Solutions: German-headquartered international debt collection group (Otto Group affiliate) with a long-standing Dutch subsidiary (EOS Nederland). Competes head-to-head with Bos Incasso for enterprise collection mandates in the Netherlands and offers a comparable mix of amicable and judicial collection services alongside credit management.
• GGN Credit Data: Major Dutch credit management and collections platform providing both consumer and business debt recovery services. Targets similar SMB and enterprise buyer profiles as Bos Incasso and offers integrated credit reporting alongside collection — directly comparable on service scope and customer segments.

Others

• Stichting BKR: Dutch national credit registration bureau that records consumer credit obligations and is referenced as an information source by Dutch collection agencies. Not a direct collection competitor but a central infrastructure provider in the same debt-recovery ecosystem in which Bos Incasso operates.
• Schuldenknooppunt: National Dutch platform for secure, multi-party debtor data sharing between municipalities, debt counselors, and collection agencies (Bos Incasso was the first incassopartij to integrate). Functions as an enabler and ecosystem connector rather than a direct competitor, but is increasingly central to Bos Incasso's public-sector collections workflow.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/BosIncasso

Compliance12 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bos Incasso