CBMK Credit Management & Incasso

What CBMK Credit Management & Incasso does

CBMK Credit Management & Incasso is a privately held Dutch order-to-cash services firm headquartered in Eindhoven with a secondary office in Amsterdam, formed in 2018 from the merger of BMK Credit Management and Collactive Credit Management (itself a continuation of De Lage Landen Incasso and Rabobank). The company serves more than 1,600 clients across Dutch MKB, large enterprises, housing corporations, healthcare providers, financial services, and the automotive sector with a 55+ professional team. Its six-pillar service offering spans B2B credit information, debtor management, primary incasso (collection), herincasso (secondary/recovery collection), legal advisory, and customer care — positioned as a 'totaaloplosser' (total solution) for the receivables cycle, combining accurate B2B credit data with personalised customer contact to improve payment behaviour and reduce default rates.

CBMK generates revenue through a hybrid model combining recurring credit-management subscriptions, transaction-based collection fees governed by a statutory Dutch staffel (10% over the first €25,000, 8% over the next €25,000, 6% over the next €50,000, 4% over the remainder), herincasso revenue sharing (50/50 split with clients on recovered previously-uncollectable claims), and professional-service fees for legal advice and outsourced customer care. Pricing is quote-based, multi-year contractual, and indexed annually against CBS Legal & Accounting services code 69 with a 2% minimum increase. Distribution is sales-led and domestic, combining direct field sales, an inside-sales phone/email channel, and partnership-led distribution via ETB (customer contact), Goorts + Coppens Advocaten (legal), Recht Direct (legal platform), and Budgetcoach Groep (employee financial vitality). The technology stack is conventional rather than AI-native: a secure online debtor portal (secure.collactivebmk.nl), WKI-Proof and ISO 9001 certified handling systems, the acquired deqt debt-monitoring platform, and B2B credit-information feeds used for personalised contact strategies.

The company is privately held with no external VC or PE funding, structured as a group of Dutch B.V. entities (CollactiveBMK Incasso B.V. as primary operating entity, plus CollactiveBMK Preventie B.V., Deeqt B.V., CBMK Data & Insights B.V., CBMK Customer Care B.V.) and a third-party funds trust foundation. Growth has been pursued primarily through acquisitions — deqt B.V. (2020), DBO Incasso portfolio (2022), Berkeley & Lawrence Incasso Intermediairs (2024), and Van Damme Incasso & Advies (2025) — combined with the 2025 ETB strategic partnership. Regulatory assets include an AFM license for consumer credit mediation (required to service bank/insurer clients), the NVI Incassokeurmerk quality mark (certified March 2024, valid through February 2026), ISO 9001, and WKI-Proof registration.

Name

CBMK Credit Management & Incasso

Legal name

CollactiveBMK Incasso B.V.

Website

https://cbmk.nl

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

CBMK Credit Management & Incasso is a privately held Dutch order-to-cash services firm offering credit information, debtor management, incasso, herincasso, legal advisory, and customer care to 1,600+ Dutch SMB and enterprise clients via a 55+ professional team.

Ownership category

akta.pro rank

Product category

Debt Collection & Credit Management Services

NAICS

Collection Agencies (56144), Credit Bureaus (56145)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

Keywords

• Debt collection services
• Credit management
• Debtor management
• Credit information services
• Customer care outsourcing

Headquarters

HQ city

Eindhoven

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, Infrastructure, Others

Revenue model

1. Credit Management Services: Ongoing credit management services for clients including debtor monitoring, credit checks, and accounts receivable management
2. Collection/Incasso Services: Collection services for outstanding invoices with fees typically based on a percentage of the collected amount per their fee schedule (10% over first €25,000, 8% over next €25,000, 6% over next €50,000, 4% over the remainder)
3. Customer Care Services: Outsourced customer service and care solutions for organizations looking to enhance customer experience
4. Herincasso (Recovery Collection): Recovery collection for previously uncollectable claims, with equal distribution of proceeds between client and CBMK
5. Legal Advisory Services: First-line legal advice services for clients, with strategic partnership with Goorts + Coppens and Recht Direct for more complex matters

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

CBMK operates as a full-service Dutch credit management and debt collection agency, providing B2B credit information, customer care outsourcing, debtor management, primary and recovery collection (incasso/herincasso), and legal advisory services for businesses. The company combines a data-driven approach using reliable B2B credit information with a personal customer contact methodology to deliver the entire order-to-cash process for clients across MKB, large enterprises, housing corporations, healthcare, financial services and automotive sectors.

Product overview

CBMK Credit Management & Incasso offers a comprehensive suite of integrated services within the order-to-cash process, comprising six core service pillars: Kredietinformatie (credit information), Customer Care, Debiteurenbeheer (debtors management), Incasso (collection), Herincasso (secondary collection), and Juridisch Advies (legal advice). The company also acquired deqt bv, a debt monitoring platform. Together, these services enable clients to optimize their revenue-to-payment cycle through a data-driven and personal approach, combining reliable B2B credit information with customer contact expertise to improve payment behavior and minimize collection cases.

Differentiator

Problem solved

Functional benefit

Products and services

• Kredietinformatie (Credit Information) B2B credit information services that help businesses improve their operations and develop targeted strategies supporting both commercial and financial goals, drawing on reliable Dutch company information.
• Customer Care Outsourced customer service and care solutions that transform customer interactions into exceptional personal experiences, supporting proactive customer contact and customer relationship management for organizations seeking to enhance customer experience.
• Debiteurenbeheer (Debtors Management) Provides stable cash flows, better predictability and reduced financial risks through efficient debtor management, using personalized contact strategies and reliable credit information.
• Incasso (Collection) Efficient invoice collection solutions delivered under AFM and NVI regulatory frameworks, maintaining positive customer relationships through socially responsible collection practices. Fees follow a statutory schedule (10% over first €25,000, 8% over next €25,000, 6% over next €50,000, 4% over remainder).
• Herincasso (Recovery Collection) Provides new recovery possibilities for claims that were previously uncollectable, using data analysis, personalized contact strategies and a personal approach. Proceeds are split equally between client and CBMK.
• Juridisch Advies (Legal Advice) First-line legal support services to limit business risks and enable entrepreneurs to operate with greater peace of mind, with strategic partnerships to Goorts + Coppens Advocaten and Recht Direct for more complex legal matters.
• deqt bv Debt Monitoring Platform A debt monitoring platform focused on accounts that have remained uncollected for an extended period, providing post-care and debt monitoring services with data analysis and personalized contact strategies. Held as a wholly-owned CBMK subsidiary following acquisition.

Quantifiable outcome

• 30% reduction in collection cases for housing corporation clients
• +2 more outcomes

Named customers11 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• ETBcoreStrategic or Co-development Partner · 3 March 2025Strategic cooperation announced March 3, 2025 between CBMK and ETB for leading customer experience in credit management and customer contact. CBMK contributes 50+ years of credit management expertise and social collection approach, while ETB brings 20+ years of multilingual customer contact experience and ISO certifications (27001, 27701, 14001, 45001, 10002, 9001). Together they offer integrated and scalable solutions for the complete customer journey within credit management.
• Budgetcoach GroepminorStrategic or Co-development Partner · 10 January 2023Joint launch of Landelijk Kenniscentrum Financiële Vitaliteit (LKFV) to help organizations achieve stable cash flows and recognize, solve, and prevent financial problems among employees. Part of De Waard€volle Club initiative focused on sports clubs.
• Goorts + Coppens AdvocatencoreStrategic or Co-development Partner · 1 March 2021Strategic cooperation in law and legal advice. Goorts + Coppens provides legal expertise complementing CBMK's credit management services. The partnership enables clients to access the right expertise at every stage of business operations.
• Recht DirectcoreStrategic or Co-development Partner · 1 March 2021Strategic cooperation in law and legal advice. Recht Direct offers a platform for legal matters for entrepreneurs, with CBMK providing credit management expertise. Partnership enables comprehensive business support.
• Nederlandse Vereniging van gecertificeerde Incasso-ondernemingen (NVI)coreOthersIndustry membership organization for certified collection companies. CBMK is a member and adheres to the NVI collection quality mark guidelines, which define what is acceptable in collection activities. The association provides a clear and functioning complaints procedure under supervision of the Supervisory Board.

Scale indicators4 records

Recent moves2 records

Expansion highlights6 records

Direct peers

• TKB: TKB is a Dutch credit management and collection services provider focused on receivables recovery and outsourced debtor-management processes. It is comparable to CBMK’s incasso, debiteurenbeheer, and customer-contact offering.
• Flanderijn: Flanderijn provides Dutch credit management, debt collection, and bailiff services. It is a close peer because it serves similar order-to-cash and incasso needs, including debtor contact and recovery for organizations.
• Bos Incasso: Bos Incasso is a Dutch collection agency providing incasso and debtor recovery services to businesses. It is comparable to CBMK’s collection and secondary-collection activities, though CBMK appears to have a broader order-to-cash portfolio.
• Syncasso: Syncasso is a Dutch debt collection and bailiff organization serving creditors with collection, debtor communication, and credit-management workflows. It is comparable to CBMK because both focus on compliant receivables recovery and debtor-management services for business clients.
• LAVG: LAVG is a Dutch collection and bailiff services organization with nationwide receivables recovery operations. It is comparable to CBMK because both address unpaid invoices and debtor contact, particularly where compliant and careful collection processes matter.
• Cannock: Cannock provides credit management and collection-related outsourcing services in the Netherlands, including for public and regulated sectors. It is comparable because it combines debtor-management operations with sector-specific collection expertise.

Emerging players

• Payt: Payt offers software for debtor management, invoice reminders, and accounts-receivable automation. It is comparable as a digital alternative for some of CBMK’s preventive debtor-management use cases, but it is more software-first than service-led.

Broad incumbents

• GraydonCreditsafe: GraydonCreditsafe provides business credit information, risk data, and company reports. It is comparable to CBMK’s kredietinformatie and data-insights offering, though it is more focused on credit data than full-service collection operations.
• DAS: DAS offers legal assistance and debt collection services in the Netherlands. It is comparable because CBMK also combines collection services with legal advice, although DAS operates as part of a broader legal-services platform.
• Intrum: Intrum is a large European credit management services provider offering debt collection, receivables management, and related financial services. It is comparable to CBMK’s credit management and collection activities, but operates at much larger international scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/collactivebmk-credit-management
• Facebookfacebook.com/CollactiveBMK

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries4 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 CBMK Credit Management & Incasso