MODINT Credit & Finance

What MODINT Credit & Finance does

MODINT Credit & Finance (legal entity: Branche Creditmanagement BV) is a privately held, Netherlands-based credit management provider spun off in 2015 from the MODINT trade organization for fashion, textiles, carpets, interiors, and industrial clothing. The company specializes in serving more than 600 clients across the fashion, sports, footwear, beauty, textile, and home & living sectors in the Netherlands, Belgium, Germany, Austria, Italy, and Denmark, with a German subsidiary (Branchen Creditmanagement GmbH) based in Kleve. Its core service portfolio spans debt collection, accounts receivable management, trade credit insurance (including the sector-specific MODINT Branchepolis and Simplicity products), credit information and checks, financing (factoring, trade finance, stock finance), and legal services covering commercial terms and insolvency assistance. The company operates with a dedicated personal credit manager model and multilingual capabilities across European markets.

The company's technology stack is centered on a proprietary database of more than 200,000 active companies with unique payment information, the Watch! customer portal for case registration and tracking (recently replaced by a new debt collection system in December 2025), and the D-Basics Creditline interface for automated data ingestion from client accounting packages. The platform underpins credit checks, insolvency reporting, and accounts receivable workflows. Revenues are generated through a mix of transaction-fee collection services, recurring subscription/retainer contracts for credit management (auto-renewing on 12-month terms with two-month cancellation notice), advisory commissions on credit insurance brokerage, and facilitation fees on factoring and trade finance transactions routed through partner networks including Euler Hermes, CRDT, Xolv, Tradewind Finance, and Allianz Trade. Pricing is custom and quote-based, with annual rate adjustments and standard 12% per year late-payment interest on client receivables.

Go-to-market combines enterprise field sales with a dedicated credit manager per client, inside sales through Watch! self-service registration, and channel partnerships that leverage the MODINT trade association referral pipeline and member discount program. Marketing channels include industry events (BvCM Congress, IAF World Fashion Convention, trade fairs), email newsletters, and a presence on LinkedIn, Facebook, Twitter/X, and Instagram. The company is led by Frans van der Hoorn as General Director (Algemeen directeur) of both the Dutch and German entities.

Name

MODINT Credit & Finance

Legal name

Branche Creditmanagement BV

Website

https://modintcredit.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

MODINT Credit & Finance is a Dutch-headquartered credit management provider, spun off from the MODINT trade organization, serving 600+ fashion, textile, footwear, beauty, and home-living clients across six European countries with collection, receivables management, credit insurance, and financing services.

Ownership category

akta.pro rank

Product category

Commercial Credit Management Services

NAICS

Activities Related to Credit Intermediation (5223), Credit Bureaus (561450), Sales Financing (522220)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

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

akta.pro secondary industries

Alternative / Non-Traditional Credit Data Providers (FSAKAKAB), Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

Keywords

• Credit management services
• Trade credit insurance
• Debt collection services
• Accounts receivable management
• Factoring and financing

Headquarters

HQ city

Arnhem

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Debt Collection Services: Collection of outstanding invoices with fees based on successful recovery. MODINT C&F charges for collection services with costs passed through to clients including extrajudicial collection costs and interest. Administrative costs of clients are never added to the collected claim amount.
2. Credit Management Retainer: Ongoing credit management services including debtor management, periodic reporting on insolvency and overdue invoices, credit monitoring. Contracts automatically renew for 12-month periods unless terminated with 2 months notice.
3. Credit Insurance Advisory: Advisory and brokerage services for trade credit insurance including MODINT Branchepolis (sector-specific policy) and Simplicity products. Partnership with Euler Hermes for insurance provision.
4. Financing Facilitation: Facilitation of factoring, trade finance, stock finance, and purchase financing through partner networks including Tradewind Finance. MODINT C&F introduces clients and facilitates transactions.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels10 records

Core offering

MODINT Credit & Finance provides B2B credit management services to the fashion, textile, sports, shoes, beauty, and home & living industries, including debt collection, end-to-end accounts receivable management, trade credit insurance brokerage, credit checks against a proprietary 200,000+ company database, factoring and trade/stock/purchase financing, and legal support covering contracts and insolvency. The company combines dedicated personal credit managers with the Watch! online portal and the D-Basics Creditline accounting interface, operating from Arnhem (Netherlands) and Kleve (Germany) to serve clients across six European countries.

Product overview

MODINT Credit & Finance operates as a unified credit management platform for the fashion, sports, shoes, beauty, textile, and home & living sectors. Its core portfolio spans six interconnected service lines: debt collection (Incasso), accounts receivable management (Debiteurenbeheer), trade credit insurance (Kredietverzekering) including the sector-specific MODINT Branchepolis and Simplicity products, credit information and checks (Kredietinformatie), and financing solutions (Financiering) comprising Factoring, Fashion Factuur Factoring, Inkoopfinanciering (trade finance), and Voorraadfinanciering (stock finance). Legal services (Legal) cover advisory, insolvency assistance, and general terms and conditions review. Clients access services through the Watch! online customer portal and the D-Basics Creditline accounting interface integration. The company maintains offices in Arnhem (Netherlands) and Kleve (Germany) and serves clients across the Netherlands, Belgium, Germany, Austria, Italy, and Denmark.

Differentiator

Problem solved

Functional benefit

Products and services

• Incasso / Debt Collection Debt collection services focused on payment recovery while preserving customer relationships, covering debt collection order submission and management for fashion, textile, and related sector clients.
• Debiteurenbeheer / Accounts Receivable Management End-to-end debtor management covering the entire accounts receivable lifecycle, with international reach across all countries served.
• Kredietverzekering / Trade Credit Insurance Trade credit insurance brokerage covering all payment and commercial risks for any type of business, including sector-specific and simplified insurance products delivered in partnership with Euler Hermes.
• Kredietinformatie / Credit Check Credit information and reporting services enabling clients to assess the financial reliability of prospective business partners, backed by a proprietary database of over 200,000 active companies with unique payment information.
• Factoring Receivables factoring services that convert outstanding invoices into immediate cash flow, including a tailored Fashion Factuur Factoring offering for the fashion and textile industry.
• Inkoopfinanciering / Trade Finance Purchase financing solutions that help businesses finance their procurement and supplier payments, facilitated through partner networks.
• Voorraadfinanciering / Stock Finance Inventory financing solutions that enable businesses to unlock working capital tied up in stock and inventory.
• Legal Services Legal advisory services including general terms and conditions drafting and review by qualified lawyers, and insolvency/bankruptcy assistance for clients.
• Watch! Customer Portal Online client portal for submitting debt collection orders, tracking case status in real time, and managing accounts receivable workflows.

Quantifiable outcome

• Collection of long-written-off claims without legal assistance, maintaining customer relationship and enabling repeat orders.
• +2 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• CRDTcoreStrategic or Co-development PartnerCRDT is referenced as a partner providing backing for MODINT's operations. CRDT logo appears alongside MODINT Credit & Finance branding indicating close operational partnership.
• XolvcoreStrategic or Co-development PartnerPartner referenced for providing quick switching capabilities and best possible service. Xolv collaborates with MODINT for integrated financial services.
• MODINT (Trade Organization)coreStrategic or Co-development PartnerMODINT is the trade organization for fashion, textiles, carpets, interiors and industrial clothing from which MODINT Credit & Finance spun off in 2015. Close collaboration continues with MODINT providing referral pipeline and MODINT members receiving discounts on credit management services.
• NowIDminorOthersNowID certification body membership shown in footer. Provides identity verification services for compliance purposes.
• Nederlandse Orde voor Wettelijke IncassodienstverlenersminorOthersDutch Order for Legal Debt Collection Service Providers - MODINT is a member demonstrating compliance with industry standards.
• Verbond van Credit Management Bedrijven (VCMB)minorOthersAssociation of Credit Management Companies - MODINT is a member indicating adherence to industry best practices and standards.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Allianz Trade (formerly Euler Hermes): Global trade credit insurance leader and existing partner of MODINT. Despite partnership, Allianz Trade competes for the same credit management and insurance mandates from European fashion/textile companies, offering scale and global reach.
• Atradius: A global credit insurance and debt collection company directly competing with MODINT in trade credit insurance, collections, and credit information. Atradius serves similar B2B clients across Europe including fashion/textile sector, making it a head-to-head competitor.
• Coface: French-headquartered trade credit insurance and credit information provider offering similar services to MODINT (credit insurance, credit opinions, debt collection, factoring). Competes for the same European B2B clients across multiple verticals.
• Graydon: European business credit information and credit bureau serving similar B2B clients with credit reports, monitoring, and collections services. Particularly relevant in the Benelux market where MODINT is headquartered.
• Creditsafe: Business credit reporting and credit bureau company operating across Europe with similar SME-focused credit information offerings. Overlaps with MODINT's Kredietinformatie service and credit check capabilities.

Regional players

• KSV1870: Dutch-based credit information and insolvency specialist serving the Netherlands market. While broader in scope, it competes directly with MODINT for Dutch credit checking and business information services.

Emerging players

• Tradewind Finance: International trade finance and factoring company that is both a partner of MODINT and a comparable financing services provider. Specializes in cross-border trade financing with offices in Asia, Europe, and the US, similar to MODINT's financing facilitator role.

Broad incumbents

• Dun & Bradstreet: Global business credit data and analytics leader with extensive credit bureau capabilities. While much larger and broader than MODINT, it competes in the credit information and business risk assessment space for fashion/textile clients.
• Intrum: Europe's largest credit management and debt collection services company with broad coverage across multiple verticals. Larger and more diversified than MODINT, but competes for the same debt collection and accounts receivable management contracts.
• CRIF: Italian-headquartered credit bureau and business information provider operating across Europe. Offers credit information, scoring, and credit management services overlapping with MODINT's portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/modintcredfin
• Facebookfacebook.com/modintcreditfinance
• LinkedInlinkedin.com/company/modint-credit-&-finance
• Instagraminstagram.com/modintcreditfinance

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 MODINT Credit & Finance