Hvert år går mere end 5.000 danske virksomheder konkurs – ofte med store tab for medarbejdere, banker, staten og øvrige kreditorer til følge.

En konkurs kan være dyr – både for virksomhedens ejere, virksomhedens ansatte og alle de virksomheder og långivere, der ofte ikke får dækket deres krav fra udbetalte lån og fakturaer.

At spotte om en kunde går konkurs, er aldrig helt muligt – men heldigvis findes der en lang række pejlemærker og observationer, du som virksomhed kan styre efter, hvis du vil forsøge at undgå en konkurs blandt eksisterende eller nye kunder.

Vi sætter i denne artikel fokus på, hvordan man spotter en konkurs, så du undgår unødige tab på dine debitorer.

Virksomhedens ejere og ledelse har altafgørende indflydelse på virksomhedens drift.

Derfor er det også interessant at vide, hvem der ejer og driver en virksomhed – det er oplysninger, der skal være tilgængelige via det centrale virksomhedsregister (CVR).

Ved at undersøge, hvem der ejer og driver virksomheden – herunder hvem der sidder i bestyrelsen – kan du forholdsvis nemt finde deres erhvervsmæssige historik: eventuelle tidligere selskaber, eventuelle tidligere konkurser og lignende.

Har en virksomhedsejer, ledelse eller bestyrelse mange konkurser på sit CV, bør du tage dine forholdsregler, når du handler med virksomheden – eksempelvis i form af kontant betaling eller begrænsede kreditter.

Husk løbende at holde øje med direktionen, ledelsen og bestyrelsen hos dine kunder – især hvis disse personer sidder i andre selskaber, hvor der sker ændringer.

Danske virksomheder, drevet i selskabsform (A/S, ApS osv.), skal offentliggøre deres regnskab til Erhvervsstyrelsen.

Dette giver en unik mulighed for andre virksomheder, samarbejdspartnere og kreditgivere for at se og analysere virksomhedens præstationer for det foregående år. Er virksomheden nystartet, må første regnskabsperiode dog gerne omfatte 18 måneder.

Regnskabet er selvsagt et historisk tilbageblik – men giver alligevel et godt indblik i virksomhedens økonomiske formåen og finansielle stilling.

Afhængig af virksomhedens størrelse og regnskabsaflæggelse kan det være en større opgave at analysere et regnskab. Men ofte kræver det ikke den store analyse, hvis der blot er tale om et simpelt regnskab.

Ofte er det nok at se på følgende – og gerne sammenligne med tidligere år – for at se, om der er udvikling i tallene:

• Årets resultat
• Bruttofortjenesten
• Egenkapitalen
• Going concern

Når du skal vurdere en virksomhed, er der mange faktorer, der er afgørende – og om virksomheden har valgt en revisor til at assistere med regnskabet, er en af dem.

Mindre virksomheder kan fravælge revision, hvis de i to regnskabsår i træk ikke overskrider to af følgende:

• En balancesum på 4 mio.
• En nettoomsætning på 8 mio.
• Heltidsbeskæftigede på 12 i løbet af regnskabsåret

Mange virksomheder benytter sig af denne mulighed og fravælger det rene revisionsprodukt. Men et stigende antal virksomheder vælger i stedet en gennemgang, assistance eller udvidet gennemgang, når regnskabet skal udarbejdes og indsendes til Erhvervsstyrelsen.

Den højeste grad af revisors sikkerhed for, at regnskabet er retvisende og uden væsentlige fejl, er fortsat revisionen. Det er altså revisionen af et regnskab, der giver den største grad af sikkerhed for din analyse af virksomheden – men de øvrige produkter bør som udgangspunkt ses mere positivt end et totalt fravalg af revisor.

De bedste observationer, du som virksomhed kan gøre for at spotte en eventuel kommende konkurs hos en kunde, er de observationer, du selv gør dig – eksempelvis i dit bogholderi eller din salgsfunktion.

Faresignalerne handler typisk om kundens ændringer fra normalbilledet – og er ofte omkring betalingshistorik og lignende.

Virksomheder, der er i økonomiske problemer, vil typisk have tendens til at trække – eller helt undlade – at betale deres udgifter og fakturaer for at sikre sig en kortvarig likviditetsmæssig gevinst.

Du bør derfor instruere din bogholder, dit salgspersonale og lignende med kundekontakt om at reagere, hvis kundens vanlige mønstre ændres markant – og eksempelvis går fra altid at betale sine fakturaer til tiden, til pludseligt at trække betalingen.

I Danmark findes der en række gode værktøjer til at foretage kreditvurderinger eller indhente kreditoplysninger til en samlet kreditvurdering. Ligeledes findes der flere værktøjer, hvor man kan foretage kreditopslag af privatpersoner i gældsregistre.

Disse værktøjer er ofte onlinebaserede, billige at tilgå og bruge – og ofte ret effektive, når det kommer til at kunne spotte en eventuel kommende konkurs.

En kreditvurdering kan ikke isoleret set forudsige en konkurs – men den giver ofte gode indikationer.

Er kunden registreret i et gældsregister, er dette naturligvis et rødt flag – og denne information, kombineret med ovenstående observationer, udgør en endnu mere skærpet advarsel.

The number of bad payers has skyrocketed and the number of companies going bankrupt has not been higher in 13 years. Here at Qatchr, we believe that these are things you should be aware of - and that you can actively try to protect yourself against.

Read this article to find out what you can do to avoid bad payers at a time when Danish businesses and consumers are under pressure

In 2023, 3,037 companies went bankrupt, the highest number in 13 years. There are of course many reasons for this, but the extra high number is likely due to a combination of factors.

"The reason for the many bankruptcies is both a result of some tough years under Corona, including forced shutdowns, but also the following years, which have been characterized by high interest costs, rising commodity prices and high inflation. All these conditions have created a slowdown in Danish consumption and economy, which companies can feel, especially those who have struggled with a backlog from Corona," says Morten Holst Henriksen, who helps companies with business development, digitalization and marketing.

Konkurser har ofte store konsekvenser, ikke bare for virksomheden selv i form af tabte arbejdspladser, men også blandt virksomhedens kunder, leverandører og samarbejdspartnere, der ofte taber penge.

In 2023, 173,093 Danes were registered with Experian - formerly known as RKI (Ribers Kredit Information), the highest number of registrations in three years.

There are several reasons for the rising number of registered bad payers, but one of the reasons is undoubtedly the general slowdown that Danish families have experienced during the last two years of high inflation.

Danish families' wallets have been under pressure, which has been felt when shopping in supermarkets and taking out loans.

Unfortunately, tight budgets often lead to certain bills not being paid - either because there was no money to pay them or because you had to prioritize among your creditors.

2023 has been a truly challenging year for consumers and businesses alike - and it doesn't look like the trend will slow down in 2024.

That's why now might be the time when you as a business owner, bookkeeper or finance manager need to focus sharply on your accounts receivable, including:

✅ Kredittider
✅ Kreditforhold
✅ Kreditpolitikker
✅ Nedbringelse af udestående
✅ Rykker- og inkassoprocesser
✅ Kredittjek

All of these relationships come under pressure as society experiences rising bankruptcies and an increase in bad debtors.

Of course, we recommend that you keep an eye on these points on an ongoing basis - but especially in the times we find ourselves in now.

Det kan også være, at det er på tide at introducere noget nyt; kreditopslag, kredittjek og få en større indsigt i dine kunders økonomiske forhold.

Qatchr is a digital online service that allows you to get all relevant information about your customers - whether they are businesses or individuals.

Med Qatchr kan du blandt andet hente regnskaber, økonomiske nøgletal, se kreditoplysninger, få økonomiske anbefalinger og meget mere.

Ved at benytte Qatchr undgår du ikke dårlige betalere, men du kan træffe flere beslutninger på et langt mere oplyst grundlag, og måske endda undgå de virksomheder, der er på vej til konkurs – og undgå kunder, der allerede er registreret som dårlige betalere.

Is your customer a business with an ApS, A/S or similar legal form and is the company more than 1.5 years old? Then it will typically be possible to view the company's public accounts.

Public financial statements can be easily accessed online and can help provide insight into a customer's financial situation.

Remember that public accounts are a look back in time, so they don't always give a true picture of the company's current financial situation.

Many bad payers often choose two paths when it comes to paying your invoice; no response or a sea of explanations.

There are almost no limits to the excuses a bad payer will use to delay or avoid payment.

In other words, if a customer has excuses or doesn't respond after you've sent the invoice, you should pay attention.

Qatchr is developed and owned by one of the largest debt collection companies in the Nordics, Collectia, with over 150 years of experience in debt collection.

It is precisely this extensive experience that we have built Qatchr on. With Qatchr, you can access a wide range of information about your customers, including their status as known bad payers. By combining this information with the factors mentioned above, Qatchr gives you an even better basis for identifying bad payers - even before they become customers in your business.

How do you spot a bad payer? What are the characteristics? And can you do it without a credit check? Read the answer in the article.

"Can you really spot a bad payer?" That was a question we received the other day from a customer. A question that immediately got us thinking about how to spot a bad payer - without using credit scoring.

Based on our many years of experience with debt collection and bad payers, in this article we focus on what you as a business owner should be aware of when spotting bad payers.

The following is far from a complete checklist. But it will give you a number of factors that you can use in the future to identify customers that you should avoid or refuse to give credit to for sales purposes.

We look at both general bad payers and those who are deliberately trying to cheat you and your business.

What does price really mean to you when you have no intention of paying your invoices? Probably not very much. Many bad payers often don't ask about the price and don't care what your goods cost.

There are many reasons why a customer might not ask about the price. But for some, it can be a sign that they have no intention of paying the subsequent invoice - avoid them at all costs.

There's an old saying that you shouldn't cross the river for water, but we see many bad payers doing just that. The worst bad payers already have such a bad reputation and reputation in the local area that they have to go elsewhere. If you get a customer from far away for no particular reason and the customer can get your goods in their local area, you should pay extra attention when selling your goods on credit.

How well do you really know your customers and their information? Many bad payers provide little, missing or very poor information about themselves. This can be an advantage for them when the invoice is sent. If you have little or no information about your customers, it can be difficult - perhaps even impossible - to collect on them.

It may sound a bit cliché, but we recommend that you use your experience from the industry and your other customers when taking on new customers.

For example, there could be strange or abnormal circumstances surrounding the customer that should pique your interest.

For example, does a new customer want to have their goods delivered to an address that is not their previously provided address? Does the customer want to pay in a special and different way? Does the customer have big gestures?

Is your customer a business with an ApS, A/S or similar legal form and is the company more than 1.5 years old? Then it will typically be possible to view the company's public accounts.

Public financial statements can be easily accessed online and can help provide insight into a customer's financial situation.

Remember that public accounts are a look back in time, so they don't always give a true picture of the company's current financial situation.

Many bad payers often choose two paths when it comes to paying your invoice; no response or a sea of explanations.

There are almost no limits to the excuses a bad payer will use to delay or avoid payment.

In other words, if a customer has excuses or doesn't respond after you've sent the invoice, you should pay attention.

While systems, advice and common sense can help, they are not always enough to protect you from bad payers - whether the customer is deliberately or unintentionally neglecting to pay. Historically, however, credit checks have proven to be one of the most effective tools for detecting such cases. A credit check takes into account a number of parameters and relevant information about the customer, including any previous known cases.

Qatchr is developed and owned by one of the largest debt collection companies in the Nordics, Collectia, which has extensive experience in debt collection and debtor management.

This is the experience that we have built Qatchr on. With Qatchr, you can see a wide range of information about your customers, not least whether they are known bad payers. Combined with the above, Qatchr gives you an even better basis for spotting bad payers - before they actually become a customer in your business.

Credit checks of existing and new customers are always a good idea. It can It can help avoid or minimize the number of bad payers, debt collection cases and the hassle that is undeniably associated with missing payments.

In this article, we give you 5 tips on when we think you should credit check your customers - because maybe not all customers should actually be credit checked.

Most companies don't think about it, and therefore often do it very rarely; credit check their existing customers. You may have been doing business with a company for 10 years without any payment issues. But your customers' financial situation changes throughout their existence - and it can affect your business if you or your salespeople don't catch these changes in time.

Our advice is to make sure you run credit checks on your existing customer database - perhaps at regular intervals or every time they do business with you.

Kredittjek sker oftest i forbindelse med nye etablering af nye kundeforhold. Du kender ikke den nye kundes økonomiske situation, deres betalingsevne eller lignende. Dette kan kredittjekket være med til at afsløre / belyse.

We recommend that you always check the financial situation of new customers via a credit check. It is up to you to decide whether all new customers, only private customers, only businesses (corporate customers), or perhaps only customers who want credit above a certain size should be credit assessed.

While most companies know that credit checks on new customers are a good idea, few do credit checks based on the size of the order or credit. Because the larger the credit or order - the higher your risk of loss.

Derfor er det måske en god ide at overveje at indføre kredittjek hver gang, at en kunde køber for mere end et vist beløb, uanset jeres tidligere betalingshistorik med kunden.

That way, you don't have to spend time credit-checking every customer and every order, but only those that pose the greatest monetary risk to your business.

De fleste virksomheder kredittjekker kun nye kunder, eller kunder når de handler for et vist beløb. Men har du nogensinde overvejet at opsætte løbende kreditovervågning af dine kunder? På den måde får du beskeder, når (hvis) der sker noget med dine kunder; ændringer af økonomi, ændringer af kreditstatus eller måske en konkurs.

With Qatchr, this feature is available in your product and you avoid your sellers dealing with a company that is in foreclosure or has other financial challenges.

No two businesses are the same, and neither are their credit rating needs; some businesses deal with many customers, while others deal with very few large customers. Regardless of the constellation of your customer portfolio - and the composition of your business - there is always a need to make good decisions based on relevant data, including credit ratings.

We recommend that your company sets up a process for credit assessments; maybe only certain customers? All customers? Only those who shop for over 5,000 DKK? Or maybe only new customers?

There are many ways to handle your credit policy, but make sure you establish a clear procedure - and then make sure that everyone; accountants, finance people, salespeople and others who have contact with customers, also follow your procedures. There can be major financial consequences if they are not followed consistently.

Vi håber ovenstående har inspireret dig til hvilke typer af kunder og ordre, der måske bør kredittjekkes. Er din virksomhed ikke allerede i gang med at kredittjekke kunder, eller har I en konkurrerende løsning – så vil vi gerne tilbyde en gratis og uforpligtende demo af Qatchr. Med vores demo kan du prøve vores funktioner og kredittjek af, og samtidig se, hvordan vi kan gøre en forskel for din virksomhed.

Revenue is crucial for a business, and it's sometimes hard work. Most business owners and sales managers will recognize that acquiring customers and generating revenue, whether it's through marketing or sales outreach, can be a daunting task at times.

At Qatchr, we fully recognize this issue and know how difficult it is to acquire new customers for business - whether you have a physical store, consultancy or something else entirely.

In this article, we focus on how saying no to some customers - and the revenue they could potentially generate for your business - can actually be beneficial throughout the lifetime of your business.

...and if you don't want to say no to customers, then at least be prepared to make demands on some customers over others.

There can be many good reasons why you should say no to certain customers. 

An obvious natural cause is if your initial feeling about the customer is bad; the customer makes some unreasonable demands, the customer has some requests you don't think your company can fulfill, or you don't think the collaboration will be good for one reason or another. This can often result in a bad experience for the customer and your company - and probably a lot of hassle. In this case, we focus on a completely different reason; the financial reason for saying 'no'.

Because what financial reasons are there to say no to a customer that generates revenue and sales for your business, you might ask?

Unfortunately, it's a (growing) fact that companies are increasingly experiencing financial challenges with customers; and the challenges this creates in non-payment or slow payment. This fact can be costly for the company.

You can never be 100% secure against bad payers, but you can do a lot - and with very little effort.

With the right tools in your everyday life, you can reject them before they become a customer of your business. That way, they're rejected before you've done the work or delivered your product to them - and avoid losses.

In other words, the best way to avoid bad payers is to reject them before they even become customers - that way you don't have to pay them any costs in terms of hourly wages and any material consumption.

There are many great tools available today to find information about your customers; who they are, their financial figures, where they live and much more - information that is now just a few clicks away.

Hos Qatchr har vi udviklet et kreditdata-værktøj i samarbejde med Nordens førende inkassofirma, Collectia A/S – et værktøj der kan hjælpe dig, når du skal træffe beslutninger om dine kunder; og hvilke du eventuelt skal sige nej til.

Not sure if Qatchr is right for your business? Then try us out for free - with no strings attached. We offer a free demo for 14 days!

Credit ratings are a great tool for determining whether or not you should engage with a customer. However, a negative credit rating of a company or individual doesn't always have to mean a categorical no to doing business. Even if a credit rating of an existing or potential customer shows poor creditworthiness, "bad payer" status, indications of bankruptcy relations or something else, the most important thing is that you as a company pay close attention and establish a sensible credit policy in advance.

One way to navigate around the warning signs of a bad payer could be to set special requirements for them - requirements (e.g. prepayment before the first purchase) you might not set for customers you already know.

Because if you don't want to say no to a bad payer - a cash payment, payment in advance or payment on delivery could be an option.

All businesses have experienced bad payers - some pay late, others never pay. Whatever the extent of your bad payers - and no matter the number of them; they are always an unnecessary headache for you as a business owner.

Because not only do bad payers cost time and resources in the accounting department, you also pay VAT on the amount you haven't received. At the same time, you've spent time and materials on the customer.

We've put together our top 5 tips for protecting yourself against bad payers - tips you can put to good use.

1: Get all relevant information about the customer and the scope of the job in writing

A big part of a successful credit assessment - and any subsequent debt collection - is that you have all relevant information about your customer; full name, address, phone number and not least the scope of the task and agreed price.

It may sound basic to many, but nevertheless, many companies, especially smaller ones, often find it difficult to record and document the relevant information on the customer - and the scope of the task. In short, you're simply too busy getting the customer in and getting started. But being diligent and setting aside enough time for customer onboarding can pay off in the end. Because a credit rating is often no better than the information you have on the customer. The more information you have, the better credit assessment you can make. Should you then find yourself in a situation where you need debt collection from a debt collection company or debt collection lawyer, then "Jens Jensen, Aalborg" is often worth nothing - and your money is unfortunately lost.

2: Credit assessment should be done continuously: Manually or automatically

Many people mistakenly believe that credit checks should only be carried out on new customers. If you receive large but few orders from certain customers, or customers who shop with you very sporadically - for example, every few months - then it may be a good idea to perform ongoing credit checks on your customers.

We recommend that your accounting department sets up fixed procedures for your assessment of your customers; both at the start of the customer relationship - and the ongoing processes.

Med Qatchr kan du eksempelvis sætte dine kunder til “monitorering” så du løbende får besked hvis en B2B-kunde eksempelvis skifter status fra “Normal” til “Under tvangsopløsning” eller “Konkurs”. Det er en værdifuld funktion i Qatchr, som gør det muligt at etablere en dynamisk kreditpolitik, som tager udgangspunkt i live data.

If a B2B customer suddenly changes status or their credit score deteriorates, you can quickly decide whether to change the credit relationship or end the collaboration.

3: Make use of credit scoring

Det har aldrig været nemmere at købe sig til kreditvurderinger online – og eksempelvis vores egen tjeneste tilbyder kredittjek af privatpersoner og virksomheder for et lavt fast beløb, uden binding eller et dyrt abonnement. Kredittjek, der levere værdifulde kreditoplysninger, som du kan bruge i din kreditvurdering.

Du behøves måske ikke kredittjekke alle dine kunder; men få en proces for det. Skal alle nye kunder kreditvurderes? Eller skal alle kunder over et vist beløb kreditvurderes?

It's up to you - and your risk. With Qatchr, it's not the price that determines whether you should check your customers or not.

4: Public accounting information is a source of good information

Today, there is a wealth of good public accounting data to assess the creditworthiness of your B2B customers - and accounting figures, company status, company owners and management have never been so easy to find online.

Remember to make use of these services. They can contain valuable information - which can form a great basis for credit assessment of your company's customers.

Med Qatchr har du nem og hurtig adgang til disse offentlige data – og du kan endda sætte kreditovervågning på dine kunder. Således får du besked inden for 2 minutter via vores real-time-data-løsning, når vi observerer, at virksomhedens status skifter fra “aktiv” til “konkurs”.

5: Get a deposit/up-front payment if in doubt

Whether your business uses credit scoring or not - and whether you're using our service, a competitor - or simply keeping an eye on your customers' accounts, our clear recommendation is to use a deposit or up-front payment when in doubt.

Because no matter how your business handles credit ratings - and no matter the extent of them - a deposit or up-front payment is a great idea if:

✅ The order is of a certain size
✅ There are many hours behind the order
✅ You don't already know customers - and now place a large order

A deposit is far from a guarantee that the customer won't subsequently become a bad payer, but it can help ensure that part of your claim is recovered - and gives an indication of the customer's willingness to pay.

We would love to show you how our service works!

We believe we have one of Denmark's best credit assessments of both private individuals and companies - so we want to give you and your company 5 free credit checks - with no obligation and no subscription.

If you're a business owner, bookkeeper, finance manager or otherwise involved in business finance, you've no doubt experienced the challenges of bad payers - and the headaches that can come with them. Some customers pay their invoices late - while others choose never to pay. This can be tough on your cash flow and the extra work involved in getting your money back.

In this article, we focus on whether you can avoid bad payers and how to minimize bad payers. At the same time, we look at what you can do if the worst happens.

If you're a business owner, bookkeeper, finance manager or otherwise involved in business finance, you've no doubt experienced the challenges of bad payers - and the headaches that can come with them. Some customers pay their invoices late - while others choose never to pay. This can be tough on your cash flow and the extra work involved in getting your money back.

In this article, we focus on whether you can avoid bad payers and how to minimize bad payers. At the same time, we look at what you can do if the worst happens.

Unfortunately, the short answer is probably 'no'. Bad payers come in many shapes and sizes, and the reasons for non-payment can be many. They can also be incredibly difficult to identify. Fortunately, there are many things you can do to minimize your financial risk and the number of customers who are unwilling to pay. A credit check of your company's finances or a credit report on a private customer can be a very effective part of this work.

Dårlige betalere kan desværre aldrig helt undgås – uanset hvor mange måleparametre der analyseres og hvor mange kreditvurderinger, der foretages på en kunde. En positiv kreditvurdering er ikke en 100% garanti for, at kunden har god betalingsvillighed i fremtiden. Dog er det et fremragende værktøj og indikator for, om det er en økonomiske risiko ved at handle med den pågældende virksomhed eller privatperson.

En kreditvurdering vil unægtelig minimere din risiko for dårlige betaler markant – alene på baggrund af, hvorvidt man kender en dårlig betaler fra et tidligere gældsforhold eller ej. Ved gældsforhold menes der ‘betalingsanmærkninger’ i gældsregister. Anmærkninger, som kreditorer indberetter til registeret over dårlige betalere.

Derudover anbefaler vi naturligvis også, at du kombinerer en kreditvurdering med almindelig sund fornuft, og generelle baggrundstjek af din kunde. Dette kunne eksempelvis omfatte kundens nøgletal / regnskabstal eller lignende, der kan afsløre særlige forhold om en kundes økonomiske forhold.

Det får du med Qatchr.

Whether or not you've done a credit check or other background analysis on a customer beforehand, there are many good opportunities to get your money back if the customer unexpectedly fails to pay their invoice or other debt.

The most effective way to get your money back is through debt collection - either from a debt collection company like Collectia - or from a lawyer specializing in debt collection, also known as a debt collection lawyer.

Whether you choose debt collection through a debt collection agency or a debt collection lawyer, you will typically receive professional, streamlined and efficient handling of your cases/claims. In the debt collection process, reminder letters, collection notices(demand letters) will be sent out and the customer will be contacted by phone or in person.

The debt collection process itself often proves to be very effective - after just a few contacts with the customer/debtor. However, occasionally you will find that the customer does not pay in the extrajudicial debt collection process. If this is the case, it will be possible to run a legal debt collection process with the help of the bailiff court.

In other words, debt collection is the professional solution if you are facing challenges with bad payers. If you choose to let a debt collection company or lawyer handle your debt collection, you also minimize the headache of having to spend time and resources on making phone calls, sending out reminder letters, debt collection notices, charging interest and reminder costs - your debt collection partner will do that for you.

Do you need debt collection? Get in touch with Collectia

Bedre sent end aldrig! Benyt dig af Qatchrs kredittjek til at identificere kunder og leverandører med dårlig betalingsevne, som potentielt kan skade din økonomi og din forretning.

Over 5000 danske virksomheder går årligt konkurs – små som store – og når det sker, er det sjældent, at du får dine penge tilbage, hvis du har ydet kredit til dem.. Dette skyldes som regel, at du ikke er den eneste virksomhed i køen, der har penge til gode. Som regel er der banker, realkreditinstitutter, kuratorer mv., som står først i køen. Derfor er det ofte begrænset, hvor meget der er tilbage, når det bliver din tur – da du som oftest har et simpelt krav.

Do you deal mostly with private customersyou can also look them up in Qatchr! This will tell you if the person has payment remarks and should therefore not be offered credit.

Should credit be given? Should a deposit be taken? Or should no credit be given at all? These are questions that all businesses should ask themselves and investigate thoroughly before engaging with a new customer or supplier. By carefully analyzing, determining and setting a credit policy for each individual credit relationship, businesses have a better chance of maintaining healthy cash flow and reducing losses on potential bad payers and bankruptcy riders.

When you apply for credit, you're essentially asking the creditor to trust your ability to pay. But how can you as a creditor know if you actually have a sound financial situation? This is done by performing a credit assessment, which may include an estimate of the credit maximum and a maximum number of credit days. The creditor will then inform you whether or not credit can be granted and how much can potentially be granted.

Start considering a credit rating on your potential customer, supplier etc. now, before making a price offer. This way, you as a creditor will save money in the long run, increase cash flow and save headaches and bad night's sleep in the future.

At Qatchr, we have a unique tool for companies that want financial insight into potential and current customers and suppliers. With our service, Credit Check, we give you the best conditions for a valid analysis. A credit check includes, among other things:

✅ Credit score
✅ Recommended credit maximum
✅ Recommended number of credit days that should be given
✅ Payment remarks in Qatchr
✅ Detailed observations (e.g. whether the company has foreign owners or has experienced a change of auditor)
✅ Last 5 years of accounts
✅ Development of key figures

The credit score is the cornerstone of our credit check. It indicates a company's ability to honor any loans and pay their debts or the likelihood of not being able to cover any major debts. The score ranges from 0-100 (high to low trade risk) and is calculated based on a wide range of parameters - including a person's bankruptcy history, key figures from recent financial statements, size, payment history and many more. Depending on what the credit check reveals, you can either decline to cooperate or take certain steps to protect yourself in a potential deal. For example, you can suggest a customer with a bad credit score (high risk) to make ongoing partial payments to protect your finances.

A private search in Qatchr will quickly reveal if your customer has a payment remark and is registered as a bad payer in our debt register, Debtor List.

✅ Detailed debtor info
✅ Payment remarks in debt register
✅ CPR validation and status
✅ Latest change of address
✅ Vehicle liens
✅ Housing conditions