Any business will be confronted with non-payment sooner or later. Moreover, an unforeseen risk such as fraud can also cause substantial damage to your business. Fortunately, new insurance methods are making credit insurance policies increasingly attractive. Protect yourself and your business against non-payment, loss and other credit risks with customised credit insurance.
Access to global network of credit brokers through ICBA
Strong position thanks to Vanbreda Credinco’s position in the market
Customised policies
Proven track record with insured and insurers
In a world where new opportunities are often accompanied by major financial uncertainties, you will be looking for a way to limit your company’s credit risks. For that, you can count on Vanbreda Risk & Benefits:
Vanbreda Credinco, the centre of expertise in credit insurance, has been specialising in credit insurance, factoring, debtor management and surety since 1997. In 2012, we joined forces with the experts of Vanbreda Risk & Benefits, which has been active for decades in risk management and creating customised insurance solutions.
Maximum and proactive guidance in credit risk management. Benefit from an all-in service tailored to your business.
Our experts continuously examine and compare the various insurance policies on the market. Based on extensive market research, we draft policies that best suit your company’s needs and give advice on necessary policy updates in a timely manner.
We rely on a solid and extensive network of credit insurers and factoring companies in Belgium and abroad. This allows us to formulate policies at extremely competitive prices and on the best terms.
ICBA is the third largest independent credit insurance brokerage team in the world. That worldwide expertise at the local level allows you to do business with certainty and confidence.
An international team of more than 900 specialist brokers with offices in Asia, Europe, America, Africa, the Middle East and Oceania
1 team that looks after your interests around the world
Offers a global service, delivered locally by specialised broker partners
Helps clients make informed business decisions
Credit insurance lets you safely grow your company’s revenue. Access to sufficient funds contributes to the further growth of your business. Prompt financing in the event of non-payment is of crucial importance in this respect.
Cover yourself and your business against non-payment
Get a clear idea of the quality of your customer base
Keep your business financially stable
Reduce the risk of bankruptcy and financial disaster
Vanbreda Credinco is the competence centre for credit risk in the Benelux area. We specialise in credit insurance, factoring and surety for medium-sized and large companies and multinationals.
The credit insurance market is no longer so traditional. New insurers are putting pressure on the insurance market by offering new products. As a result, intermediaries are increasingly offering tailor-made policies that create new opportunities for businesses.
Covers every potential loss and non-payment
Insures selective customers
Insures one single transaction or customer
Takes a 2nd insurer on top of the first in case of insufficient cover
Customised solution developed to insure disasters
Insures B2B sales through online shop
Insures non-payment on lease contracts
Spreads insurance of risks over two insurers
Cover with non-cancellable limits for one year
Those innovations respond very much to the demand in the business world and provide more opportunities for companies, making credit insurance more popular.
In factoring, a company sells its outstanding invoices to a third party: the factor. This offers the client three basic services.
The factor:
Takes care of all administration and invoicing.
Pays advances on outstanding invoices.
Pays outstanding invoices if the end customer defaults.
That way, the full risk is transferred to the factor, and that makes Factoring particularly interesting. Your company does not have to wait endlessly for payment for a delivered product or service, and so has budget readily available for use.
With a surety bond, you give your customers the assurance that your company will meet all its contractual obligations.
By casting the surety in an insurance mould, you no longer have to ask the bank to stand surety. That way, you also secure your bank finance lines.
Furthermore, our experts also advise your company on surety documents that customers present to your company for signature. With good information and guidance, you can limit the financial risks.
Our experts are ready to insure your business against non-payment. Thanks to proactive screening of your customers, you can do business with an easy mind. We make every effort to safeguard your company’s financial security.
109 billion euros. That’s how much money had been accumulated in acquired pension reserves in this country as of 1 January 2024. This Pillar 2 pension savings pot is managed by two types of pension institution. According to the FSMA sector report, insurers manage 88 billion euros, while the remaining 21 billion euros is managed by institutions for occupational retirement provision (referred to as pension funds from now on). Fewer companies are opting for their own pension fund. Increasingly, a multi-employer pension fund is chosen instead. How can we explain this development and what are its advantages?
On 31 January 2025, the federal government concluded a coalition agreement. Below we set out the key measures* in the reforms that the government wants to implement in connection with the second pension pillar.
The Supplementary Pensions Law (WAP) requires employers to guarantee a minimum return on supplementary pension contributions for the duration of employees’ scheme membership. This minimum return is calculated on 1 June every year and takes effect on 1 January of the following year. Since 2016, it has been 1.75%; from 2025 it rises to 2.50%. How does this affect you as an employer?
Late or non-payment of outstanding invoices puts entrepreneurs at risk of liquidity problems. Factoring can offer an excellent solution for this common problem. How exactly does this technique work? Who is it suitable for? And which conditions are attached to it? Jean Guinée, Managing Director of Vanbreda Credinco, specialist broker in credit insurance and factoring, explained.
