GGN

What GGN does

GGN Mastering Credit B.V. is a privately held Dutch credit management company headquartered in Rotterdam, operating a nationwide platform for B2B debt recovery and consumer-side collection services. Founded in the early 2000s, the company serves more than 6,500 business clients (opdrachtgevers) — primarily SMBs across verticals including legal, B2B, e-commerce, finance, rental/housing, utilities, education, government, telecom, health insurance, and mobility — using a self-service online submission flow and a 24/7 creditor portal (MijnGGN). For debtors, GGN operates the MijnIncasso portal, enabling online payments via iDEAL/Wero, payment-arrangement requests, objections, and direct (no-login) payment by dossier number.

The platform-and-services model pairs digital case management with a full collection lifecycle: amicable collection (letters, email, SMS, calls) per the Dutch statutory WIK fee schedule, judicial collection (court summons, judgments, enforcement actions), international debt recovery via partner networks, and in-person home visits and evictions delivered by the company's own nationwide network of licensed gerechtsdeurwaarders (court bailiffs). Revenue is generated transactionally on a pay-as-you-go basis through statutory and pass-through fees (WIK: €40–€6,775; BTAG tariffs; griffierecht court fees) rather than subscriptions, with additional revenue from cross-border recovery and home-visit services.

GGN operates under a dense regulatory perimeter — KBvG membership, BFT financial supervision, SRCM social-credit certification, ISO 9001/27001/27701, and ISAE 3402 assurance reporting — and pursues a "persoonsgericht" (person-centered) collection positioning with social partnerships (NSR, fiKks, Timing) that route debtors toward professional debt assistance rather than aggressive enforcement. Strategic priorities evident in the data include payment-infrastructure modernization (iDEAL/Wero transition through 2027), vertical diversification across eleven industries, and platform expansion into adjacent credit-risk services via sub-brands checksociaal.nl and verhuursignaal.nl.

Name

GGN

Legal name

GGN Mastering Credit B.V.

Website

https://ggn.nl

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

501–1,000 employees

Short description

GGN Mastering Credit B.V. is a Dutch credit management firm providing B2B debt recovery through online portals for businesses and self-service tools for debtors, backed by its own nationwide network of licensed bailiffs serving eleven industry verticals.

Ownership category

akta.pro rank

Product category

Debt Collection and Credit Management Services

NAICS

Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Legal Collections Support (Pre-Lit, Litigation Admin, Judgment Recovery) (BPAAAEAH)

akta.pro secondary industries

International & Cross-Border Collections (FSAKAJAO), Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH)

Keywords

• Debt collection services
• Credit management
• B2B invoice recovery
• Judicial collection
• Amicable incasso

Headquarters

HQ city

Almelo

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Online Incasso (Pre-litigation collection): GGN charges fees for amicable (out-of-court) debt collection services provided to business clients (opdrachtgevers). Businesses submit unpaid invoices through MijnGGN, and GGN pursues payment on their behalf. Fees include statutory collection costs calculated per the Dutch Wet Incassokosten (WIK) and other charges.
2. Gerechtelijke Incasso (Judicial/Legal Collection): GGN charges fees for judicial collection proceedings, including court summons (dagvaarding), obtaining judgments (vonnis), and enforcement actions such as attachments (beslag). Court fees and legal costs are passed through to the debtor or client per statutory rates (BTAG, griffierecht, salaris gemachtigde).
3. Minnelijke Incasso (Amicable/Ambient Collection): GGN pursues pre-litigation debt collection through letters, emails, and calls. Costs are calculated per the WIK (Wet Incasso Kosten) statutory fee schedule.
4. Internationale Incasso (International Debt Collection): GGN handles cross-border debt collection, charging fees for international recovery efforts, likely on a transaction or contingency basis.
5. Thuisbezoek (Home Visits): Bailiffs (gerechtsdeurwaarders) within the GGN network conduct home visits as part of judicial proceedings, for summons delivery, attachment enforcement, or eviction (ontruiming). Costs are billed per the BTAG (Besluit Tarieven Ambtshandelingen Gerechtsdeurwaarders) tariff schedule.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

GGN Mastering Credit B.V. is a Dutch B2B debt collection and credit management firm that recovers unpaid invoices on behalf of business clients (opdrachtgevers) across more than ten industry verticals. Core offerings span amicable (minnelijke) collection, judicial (gerechtelijke) collection including bailiff-led enforcement, cross-border (internationale) collection, and home-visit (thuisbezoek) services, all accessible via the MijnGGN creditor portal and supported by the MijnIncasso debtor self-service portal. The firm is one of the largest such providers in the Netherlands, with 6,500+ business clients and 20+ years of operating history.

Product overview

GGN Mastering Credit B.V. is a Dutch credit management organization operating a platform-plus-services model. Its core digital products are the Online Incasso platform (for creditors to submit and track claims) and the MijnIncasso debtor portal (for debtors to pay, arrange plans, and object), alongside the MijnGGN creditor dashboard. These digital platforms are supported by a suite of service modules covering the full collection lifecycle: Amicable Collection (Minnelijke Incasso), Judicial Collection (Gerechtelijke Incasso), International Collection, and Home Visits by gerechtsdeurwaarders. GGN also integrates with Payt for payment arrangements and participates in social debt-assistance networks (NSR and fiKks) to refer debtors to professional help.

Differentiator

Problem solved

Functional benefit

Brands

• checksociaal.nl: Online platform related to social checks
• verhuursignaal.nl

Products and services

• Online Incasso GGN's flagship digital channel for businesses (creditors) to submit unpaid invoices for collection online. Creditors can check claim suitability, auto-populate company details via KvK number, upload invoices, and track case progress 24/7 via MijnGGN. GGN positions this as its primary entry-point for B2B clients, with messaging that 'more than 6,500 entrepreneurs' and 'more than 20 years of experience' underpin the offering, and no account creation required to submit the first invoice.
• Minnelijke Incasso (Amicable Collection) Pre-litigation phase of GGN's collection process, conducted via letters, emails, SMS, and phone calls to recover overdue invoices before any court action is initiated. Costs are calculated per the Dutch Wet Incassokosten (WIK) statutory fee schedule, with a graduated scale from €40 minimum to €6,775 maximum declining as a percentage of the invoice amount. Target users are businesses seeking efficient first-line recovery from non-paying customers.
• Gerechtelijke Incasso (Judicial Collection) Litigation phase of GGN's collection process, initiated when amicable attempts fail. GGN's in-house gerechtsdeurwaarders (court bailiffs) issue summonses (dagvaarding), obtain judgments (vonnis), and execute enforcement measures such as attachments (beslag). Court fees (griffierecht) and statutory tariffs (BTAG, salaris gemachtigde) are passed through per Dutch law. Target users are businesses with claims that cannot be resolved out of court.
• Internationale Incasso (International Collection) Cross-border debt recovery service enabling Dutch businesses to collect unpaid invoices from debtors abroad. GGN handles claims transfer to international partners and complies with EER (European Economic Area) data protection rules. Target users are Dutch exporters, SaaS companies, e-commerce sellers, and service providers with cross-border receivables.
• Thuisbezoek (Home Visit) Bailiff-led home-visit service in which GGN's gerechtsdeurwaarders personally deliver legal documents (sommation, summons) and conduct face-to-face assessment of debtors' financial situations. Used as part of judicial proceedings for summons service, attachment enforcement, or eviction (ontruiming). Billed per the BTAG (Besluit Tarieven Ambtshandelingen Gerechtsdeurwaarders) tariff schedule.

Quantifiable outcome

• More than 6,500 entrepreneurs have used GGN's services
• +2 more outcomes

Segments12 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Nederlandse Schuldhulproute (NSR)coreStrategic or Co-development PartnerThe NSR (Nederlandse Schuldhulproute) is a national debt assistance routing system in the Netherlands. GGN is a partner of NSR, indicating collaboration to route debtors to appropriate debt counseling and assistance services. This partnership reflects GGN's social collection approach and its commitment to helping debtors find professional help rather than spiraling further into debt.
• fiKksminorStrategic or Co-development PartnerfiKks is listed as one of GGN's societal partners (maatschappelijke partners). The nature of the partnership is not detailed in the source but appears to be related to debt assistance or social responsibility programs.
• Timing UitzendbureauminorStrategic or Co-development PartnerTiming Uitzendbureau (a staffing/temporary employment agency) is listed as one of GGN's societal partners (maatschappelijke partners). The partnership appears to relate to employment and debt assistance programs, potentially helping debtors who are employed by or through Timing to manage or resolve their debts.
• iDEAL/WerocoreTechnology or IntegrationiDEAL is the dominant Dutch online payment method. Wero is the new European payment system being rolled out to replace/replace iDEAL. GGN has transitioned its MijnIncasso and direct payment systems to use the joint iDEAL|Wero logo and infrastructure. Starting from end of January 2026, the joint logo is visible in all GGN communication (MijnIncasso, emails, letters). From late 2026, new functionalities will be rolled out. Full transition to Wero is planned for end of 2027.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Others

• Payt: Dutch payment-arrangement and reminder software provider. Currently a GGN technology partner but also functions as a partial competitor by enabling creditors to handle pre-collection dunning in-house before escalating to an agency.

Direct peers

• Bos Incasso: Dutch debt collection agency offering amicable and judicial collection, with a focus on SME clients. Competes with GGN on similar service bundles and Dutch-domestic distribution.
• MKB Incasso: Dutch collection firm focused specifically on the SME (MKB) market with online submission and case tracking. Closely mirrors GGN's positioning toward small and mid-sized Dutch businesses.
• B2 Collect: Dutch online-focused B2B debt collection agency that, like GGN, offers creditor self-service portals, amicable and judicial collection, and bailiff network access for the SME market.
• Flanderijn Incasso: Long-standing Dutch collection agency with its own in-house bailiff network (Flanderijn Gerechtsdeurwaarders). Direct competitor to GGN in minnelijke and gerechtelijke incasso, also serving the SME and mid-market creditor base.
• Vordering.nl: Dutch online collection platform targeting SMEs with self-service invoice submission and tracking. Closely comparable to GGN's MijnGGN portal value proposition and target customer segment.

Broad incumbents

• EOS Group: Germany-headquartered international debt collection group with operations in 26+ countries. Competes with GGN on cross-border B2B receivables recovery and on bundled amicable + judicial collection services.
• Intrum: Europe's largest debt collection and credit management services group operating across ~20 markets. Comparable to GGN as a full-stack amicable and judicial collection provider, but at vastly greater scale and with pan-European reach.
• Hoist Finance: European debt purchaser and credit management servicer active across multiple geographies. Comparable to GGN in non-performing receivables servicing, though differentiated by its debt-buying model.
• Coface: Global trade credit management, receivables collection, and B2B credit insurance provider. Adjacent to GGN through commercial debt recovery services and credit information products used by similar creditor segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/ggn
• Facebookfacebook.com/GGN-1172791699461043
• Xx.com/ggn

Compliance8 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 GGN