The goods were delivered and the invoice was issued, but the payment never came. We review your documents and obtain an independent credit report on the debtor, so you know whether the money is there at all. We then establish the route that applies in the debtor's country and coordinate the collection, from the first formal notice to the legal stage if it comes to that. You hear from us at every step.
Distance, language, and a different procedure in every country. An unpaid invoice has to be pursued where the debtor is, in their language and under their rules — which takes local knowledge and the right contacts.
Payment behaviour and collection routes in 24 countries: the Europe Payment Risk Report →
Share the invoice, the order or contract, the proof of delivery (CMR) and your correspondence with the customer. The form takes a few minutes.
We review your documents and obtain an independent credit report on the debtor: ability to pay, any insolvency or restructuring filing, whether the company is still trading. You then hear which route applies in the debtor's country and what it is likely to cost.
The debtor receives a formal notice in their own language. Under the EU Late Payment Directive (2011/7/EU) we claim statutory interest and collection costs. Where it makes sense, we agree a payment plan.
Nothing moves to this stage without your go-ahead. A qualified lawyer or bailiff in the debtor's country takes the case on; coordination and reporting stay with us.
A formal notice from inside the EU, written in the debtor's language, carries far more weight than an email from Türkiye.
The tone hardens step by step: first a reminder, then a formal notice. You decide when each step is taken.
If the contract is governed by the law of an EU member state, you can claim statutory interest (the ECB rate plus at least eight percentage points) and at least € 40 in collection costs per invoice.
What decides the route is not EU membership but the rules in the debtor's country. We tell you which one applies to your case in the first assessment.
| Route | Countries | Note |
|---|---|---|
| Payment order, no lawyer | Germany (from € 38), France (~€ 30), Spain (€ 100 for companies), Romania, Sweden, Finland | In Norway an unpaid invoice can go straight to enforcement, without a court case. |
| Lawyer required | Italy, Greece; in Austria for claims above € 5,000 | The case is handed to our partner lawyer in the debtor's country. |
| Local partner needed | Belgium, Poland, Slovakia, United Kingdom, Ireland | The digital filing systems are effectively closed to Turkish suppliers, or a local address is required. In the UK and Ireland the court may order security for costs; in Greece that is at the judge's discretion. |
The amounts are 2026 indications for a simple, undisputed claim and are confirmed case by case. All 22 countries are covered in the Europe Payment Risk Report.
After the first assessment you receive a written quotation for your case. Nothing starts until you approve it.
Costs of the legal stage — court fees, lawyer's fees — are separate and are always put to you in writing beforehand.
Business-to-business (B2B) commercial receivables only
From € 20,000 per debtor; several invoices on the same debtor count together
No legal step without your approval
Not every unpaid invoice is a collection case. Sometimes there was no real customer at all. Turkish authorities have issued repeated warnings about fake orders, particularly from France. Stop the shipment if you see any of these:
Business-to-business commercial receivables of € 20,000 or more per debtor. Several invoices on the same debtor count together. Below that amount, cross-border collection costs are rarely proportionate to the claim.
Across Europe. In Germany, France and Spain a payment order can be applied for without a lawyer; in Italy, Greece, Belgium, Poland and the UK a local lawyer or partner is needed. We tell you which route applies in the first assessment.
No. We coordinate the out-of-court stage. When a legal step is needed, and only with your approval, a qualified lawyer or bailiff in the debtor's country takes the case on. Coordination and reporting stay with us.
You set the tone. The first step is a polite reminder, and nothing further happens without your approval.
The invoice, the order or contract, proof of delivery (such as the CMR) and your correspondence with the customer. If something is missing, we will look at what can still be done.
The independent credit report we obtain in the first assessment shows the debtor's ability to pay and their insolvency risk. If the chances of recovery are poor, we say so at the outset rather than let you spend money on it.
We make sure your claim is filed with the insolvency administrator in the debtor's country. This is the single biggest risk of selling on credit — which is exactly why a risk report before shipment matters.
Share your invoice and the main documents. You'll hear which route applies in the debtor's country and what it is likely to cost.
Submit a collection case →