Online Incasso

What Online Incasso does

Online Incasso (legally OI B.V., headquartered in Raalte, Netherlands; KVK 82573158; WKI-registratienummer 00260) operates a Dutch SaaS platform that enables small and medium-sized businesses and self-employed professionals (ZZP) to self-serve debt collection, formal payment reminders, and credit checks without engaging a traditional collection agency. The product originated as an initiative of the founders of Moneybird, was subsequently developed under the ownership of the founders of Payt (Groningen-based debtor-management software), and was spun off as an independent entity in 2022 under new leadership from the credit-management sector. The platform serves a long tail of more than 11,000 Dutch SMB organizations, including SMBs in invoicing-heavy segments such as gyms, event organizers, and email-marketing firms.

The underlying technology is a cloud-based SaaS platform that automates the out-of-court (minnelijke) collection trajectory over a 30-day window, dispatching communications across email, SMS, physical mail, and automated phone reminders while assembling a WIK-compliant legal dossier. Core product components are Aanmaning (formal 14-day dunning letter, €3.50 per letter), Incasso (full collection case, €24.50 flat fee regardless of claim size), and Kredietrapport (creditworthiness report, €9.50 per report), with an optional judicial-collection escalation via a bailiff and a debtor-facing communication portal at inzien.onlineincasso.nl. A defining technical and commercial feature is native integration with 650+ Dutch accounting, invoicing, and ERP packages (including Exact Online, Twinfield, Moneybird, AFAS, Unit4, WeFact, Informer, Billit, eAccounting, Rompslomp, Jortt, Gripp, and FactuurSturen.nl), enabling one-click case creation and automatic transfer of debtor and invoice data from within the user's existing accounting workflow. Onboarding is self-service and KvK-integrated, with account creation reportedly completed in roughly 10 seconds.

The business model is purely transaction-based: there is no subscription fee or minimum commitment, and accounts are free. Users pay a fixed per-case or per-reminder fee only when invoking the service, and creditors retain the legal collection costs (minimum €40) charged to the debtor, which structurally offsets the platform's own fees. Go-to-market is product-led and self-serve, with no field sales; accounting-software partnerships function as the dominant embedded distribution channel, supplemented by content marketing (an extensive Dutch-language blog covering WIK, aanmaning, and debtor-management topics), SEO targeting Dutch-language collection keywords, and email newsletters for retention. The company is privately held by its founding entrepreneurs with no disclosed institutional investors or funding rounds.

Name

Online Incasso

Legal name

OI B.V.

Website

https://onlineincasso.nl

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Online Incasso (OI B.V.) is a Dutch SaaS platform that enables small businesses and freelancers to self-serve debt collection, formal reminders, and credit reports via 650+ accounting-software integrations, operating on a pay-per-case transaction model with no subscription fees.

Ownership category

akta.pro rank

Product category

Debt Collection Software

NAICS

Collection Agencies (561440), Collection Agencies (56144), Software Publishers (513210), Credit Bureaus (561450)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Collections, Recovery & Debt Management Platforms (FSAGAHAI)

akta.pro secondary industries

Accounts Receivable (Invoicing, Cash Application, Deductions) (BPAAAGAB), Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ)

Keywords

• Debt collection software
• Payment reminder services
• Credit reporting services
• Accounts receivable management
• Dunning letter services

Headquarters

HQ city

Zwolle

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction-based Collection Services: Fixed per-case fees for collection services. Users pay a flat fee when they send a reminder letter (aanmaning) or start a debt collection case (incasso). No subscription or recurring fees required - users only pay when using the service.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Online Incasso operates a Dutch cloud-based SaaS platform that lets entrepreneurs and small businesses independently send formal payment reminders (aanmaning), initiate automated amicable debt collection cases (incasso), and request credit reports (kredietrapport) without engaging a traditional collection agency. The platform automates multi-channel debtor communications (email, SMS, postal mail, automated phone calls), builds a WKI/WIK-compliant legal dossier, and integrates natively with more than 650 Dutch accounting packages so users can transfer debtor and invoice data in a single click and start a case within five minutes.

Product overview

Online Incasso is a SaaS debt collection platform designed for Dutch entrepreneurs and small businesses. The platform provides three core services: Aanmaning (formal dunning/reminder at €3.50), Incasso (debt collection at €24.50), and Kredietrapport (credit reports at €9.50). The platform integrates with major Dutch accounting packages (Exact Online, Twinfield, Moneybird, AFAS, Unit4, and 650+ others) to enable automatic transfer of debtor and invoice data. The platform automates communications via email, postal mail, SMS, and automated calls, and offers escalation to judicial collection through a bailiff if amicable resolution fails. Users retain legal collection costs (minimum €40) themselves.

Differentiator

Problem solved

Functional benefit

Products and services

• Online Incasso Platform Cloud-based SaaS debt collection platform that lets Dutch entrepreneurs and SMBs independently start, manage and monitor collection cases, send reminders and request credit reports without engaging a traditional collection agency.
• Aanmaning (Payment Reminder Letter) Formal, WIK-compliant 14-day payment reminder delivered via both email and physical mail to give a debtor a final chance to pay without additional costs before a full collection case is started. Sold to Dutch SMBs and self-employed professionals at a flat €3.50 per letter.
• Incasso (Debt Collection Case) Full amicable (minnelijk) debt collection service running an automated 30-day trajectory via email, post, SMS and phone, with optional escalation to a judicial collection via a bailiff. Sold to Dutch SMBs and self-employed professionals at a flat €24.50 per case regardless of claim amount, with the user retaining the legal collection costs (minimum €40).
• Kredietrapport (Credit Report) Creditworthiness check providing insight into the financial situation, payment behavior and credit risk of a business or individual counterparty. Sold to Dutch SMBs and self-employed professionals at €9.50 per report.

Quantifiable outcome

• 70%+ of outstanding claims paid after reminder letter (aanmaning)
• +3 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

Feature4 records

Partnerships

Twelve partnerships are on record, tiered core.

• MoneybirdcoreTechnology or IntegrationMoneybird is an online accounting/invoicing platform. Online Incasso has a native integration enabling users to one-click transfer invoice and debtor data to start collection cases. Featured prominently in case studies and marketing materials.
• Exact OnlinecoreTechnology or IntegrationMajor Dutch accounting software with widespread SMB adoption. Online Incasso integration allows users to start collection directly from Exact.
• Twinfield (CloudBusiness)coreTechnology or IntegrationAccounting software by CloudBusiness (Wolters Kluwer). Online Incasso provides direct integration for Twinfield users to manage collection cases.
• AFAS SoftwarecoreTechnology or IntegrationDutch ERP and accounting software provider. Integration enables AFAS users to seamlessly connect with Online Incasso for collection.
• Unit4coreTechnology or IntegrationEnterprise accounting and ERP software. Integration connects Unit4 users with Online Incasso's collection platform.
• WeFactcoreTechnology or IntegrationOnline billing and accounting platform. Direct integration available for WeFact users to access Online Incasso collection services.
• InformercoreTechnology or IntegrationAccounting software for ZZP and SMB. Partnership announced May 2023 enables Informer users to send collection cases to Online Incasso through the SnellerBetaald (FasterPaid) feature in their debtor management module.
• BillitcoreTechnology or IntegrationOnline invoicing platform. Integration available for Billit users to connect with Online Incasso.
• eAccounting (Sage)coreTechnology or IntegrationAccounting software. Integration with Online Incasso enables eAccounting users to manage collections directly.
• RompslompcoreTechnology or IntegrationDutch accounting software for small businesses. Integration available for Rompslomp users.
• JorttcoreTechnology or IntegrationOnline accounting software for Dutch entrepreneurs. Integration enables Jortt users to access Online Incasso collection services.
• GrippcoreTechnology or IntegrationCRM/accounting software. Integration available for Gripp users.

Scale indicators3 records

Recent moves8 records

Expansion highlights4 records

Direct peers

• Payt: Payt is a Dutch debtor-management and collection software company based in Groningen that was the prior owner of Online Incasso. It directly competes in the same SMB/ZZP Dutch market with comparable online incasso workflows, accounting-software integrations, and automated communication features.
• Cohedron Debt Experts: Cohedron (formerly bekend as incassobureau) is a Dutch online debt collection platform targeting SMBs with self-service capabilities. Directly competes with Online Incasso on Dutch SMB collections, providing similar automated reminder, collection case, and credit-check offerings.
• Euro-Collect: Euro-Collect is a Dutch online collection agency offering SMB debt recovery with web-based case management. It targets the same Dutch SMB market as Online Incasso with comparable self-service portal and per-case pricing.

Broad incumbents

• Intrum: Intrum is one of Europe's largest credit management and debt collection companies with extensive Dutch operations. It competes with Online Incasso for SMB and mid-market collection mandates but operates a much broader portfolio including enterprise B2B, international, and outsourced receivables management.
• Flanderijn: Flanderijn is a Dutch credit management and collection agency serving both consumer and B2B segments. It is comparable to Online Incasso in the underlying collections service but operates a traditional agency model with broader portfolio of services including legal escalation and credit reporting.

Others

• Moneybird: Moneybird is a Dutch online accounting software that originally created the Online Incasso concept before spinning it off. It is a primary integration partner and distribution channel but not a direct competitor in collections; comparable as a key ecosystem player for the same SMB accounting-and-invoicing workflows.
• Exact Online: Exact Online is one of the largest Dutch cloud accounting platforms and a core integration partner. It is not a direct collection competitor but is the underlying accounting system through which Online Incasso's largest customer base discovers and uses the platform.
• AFAS Software: AFAS is a major Dutch ERP and payroll/accounting software provider. It is an integration partner that exposes Online Incasso to its SMB customer base, and is comparable as an adjacent ecosystem participant rather than a direct collections competitor.
• Twinfield: Twinfield (Wolters Kluwer) is a Dutch cloud accounting platform with a deeply integrated partnership with Online Incasso. It is comparable as a distribution and embedded-workflow partner serving the same Dutch SMB segment.

Regional players

• Visma-Raet: Visma is a Nordic-headquartered accounting/ERP software group with significant Dutch operations through brands like Visma Raet, Nmbrs, and Yuki. It serves the same Dutch SMB segment and offers integrated debtor-management modules that compete for the same workflow as Online Incasso.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/online-incasso

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Online Incasso