debtor risk monitoring
Debtor risk monitoring: see the signal before the invoice is overdue
If you sell on credit, the customer is a risk that changes over time. KVKBase follows the public data of your debtors and reports changes that often come before a payment problem.
Signals that mean something
A change in the business register is not proof that a customer will not pay. It is a reason to take a look. Combine it with your own payment history and you get a useful early warning.
- Suspension of payments or bankruptcy, when the source reports it: stop delivering without prepayment, file your claim
- Deregistration or dissolution: the legal entity no longer exists, outstanding invoices have no debtor
- New address or name: legally the same party, but check that invoices still arrive
- Different legal form or new director (only when the source provides directors): who is your counterpart now
How it fits into your work
When you open a customer on credit, add the KvK number to the list, with your own debtor number as the label. An alert lands with credit control, or arrives as a webhook and becomes a ticket in your system. You see the old and the new value and decide what to do: lower a limit, get in touch, hold an order.
It complements, and does not replace, credit insurance or a credit report. We give no score and no opinion on payment behaviour.
What we do not do
We follow public register data. Payment arrears, annual accounts and credit scores are not part of it. A bankruptcy shows up only when the source reports it, and that sometimes lags behind reality. You are watching part of the risk, not all of it.
What we watch
Each watched company is compared with its previous state once a day. These are the fields that can trigger an alert:
- Name
- Statutory name and trade name
- Address
- Street, postcode and city
- Legal form
- For example from sole proprietorship to BV
- Status
- Active or dissolved
- Insolvency
- Bankruptcy or suspension of payments, as the source reports it
- SBI codes
- The registered activities
- Directors
- Only when the source provides them for that company
- VAT number
- Valid or invalid at VIES, when a VAT number is known
How alerts reach you
- One email per change, straight away. Or switch to a daily digest, grouped per company.
- Signed webhook
- Each change as JSON over HTTPS, with a timestamp and an HMAC-SHA256 signature you can verify.
- API
- Read your watchlist and the alert history with your API key, and export it as CSV from the dashboard.
Checks run daily, not in real time. The first check of a company is a baseline and sends no alert.
Who it is for
- Credit controllers and finance managers at companies that sell on credit
- Wholesalers, installers and service providers with many recurring customers
- Bookkeepers and collection partners who maintain a client portfolio
Included in the paid plans
Monitoring comes with your plan as watch slots. A check never costs lookup tokens.
- Free
- No monitoring
- Starter
- 10 companies
- Pro
- 100 companies
- Business
- 1,000 companies
If your plan drops, watches over the new limit are paused, not deleted.
Frequently asked
Does KVKBase tell me when a customer is behind on payments?
How quickly do I see a bankruptcy?
Can I add my whole debtor list at once?
Is this a credit check?
More about monitoring
- Company monitoring: follow changes in the Dutch business register
- KvK change alerts: a notification when a company changes
- Supplier monitoring: know in time when a supplier drops out
- Looking up a single company instead? See the API documentation
Keep reading
Start watching the companies that matter
Create an account, pick a paid plan and add your first companies by KvK number.