Debtors who pay late can cause liquidity problems. This limits entrepreneurial freedom, there is less working capital available for doing business and it costs a lot of money and time to collect unpaid invoices.

Credit insurances and other financial solutions should offer protection for this, but they are often not tailored and therefore do not offer optimal protection. Credit risks are different for each company. After all, every company has its own unique combination of corporate culture, product and customer market, which requires customization.

Our vision is that only one integrated approach to credit risks offers a solution, looking at streamlining all internal processes for reducing risks. This requires sharp analyses and risk assessments with knowledge of credit management, sales, operations and finance.

Once the actual and fictitious credit risks have been identified, preventive measures can be taken that strengthen cash flow, make debtor management more efficient and may provide a different view of insurance needs. Credit insurance and factoring, for example, can help protect your financial position, but only if they match your actual risks and your financial space.

Insurers and insured persons have a conflicting interest. The insurer wants maximum premium for minimal coverage while the insured person wants the opposite; pay a minimum premium and get maximum coverage. At the same time, an insurer benefits from delivering standard packages.

An independent insurance broker can help “enforce” customization from the insurer. They know the right entrances. They speak the language of the insurer. And through their reports and analyses, they achieve better conditions, at more competitive rates that match the organization's ambitions and risk acceptance. In this way, in almost all cases, the insurance broker pays for himself twice.

At Kröller Capital, we offer customized solutions that suit your business and strengthen your financial position, including credit insurance mediation. Our team is happy to help you find the best solutions for your credit risks.