En debitorvurdering er en proces, hvor en virksomhed vurderer en kundes økonomiske situation for at beslutte, om – og hvordan – der skal ydes kredit. Det kan være i forbindelse med køb på faktura, afdragsordninger eller længerevarende samarbejder, hvor betalingsforpligtelser opstår over tid.
Why is it important to assess debtors?
When you extend credit, you take on a financial risk. A debtor assessment helps you to:
- Identify financially unstable customers
- Prevent losses due to non-payment
- Set appropriate terms such as credit maximums and payment deadlines
- Build a safe and effective credit policy
A data-driven approach makes it possible to act proactively - before problems arise.
What is included in a debtor assessment?
A debtor assessment can be put together in many ways depending on your needs and industry. Typically, it will include:
- Check debt registers (e.g. RKI / Experian or Debitorlisten)
- Master data and address verification
- Payment history or previous transactions
- Public accounting figures and ratios (for business customers)
- Information about assets such as property or car (if available)
- Internal assessment or manual information collected from the customer
The more comprehensive the data base, the better the decision-making.
How is a debtor assessment done?
There are several ways to conduct a debtor assessment:
- Manual: The company collects relevant information itself through the CVR register, searches or direct dialog with the customer.
- Digital: Use platforms like Qatchr to access credit data, financial statements and master data in one place.
- Combination: Many choose to supplement automated assessments with their own experience and internal requirements.
Ved vurdering af virksomheder anvendes typisk CVR-nummer, mens private debitorer identificeres med navn, adresse og evt. CPR-nummer (hvor det er lovligt og relevant).
When should you do a debtor assessment?
Debtor assessment should be done when:
- A new customer relationship is established
- Credit, installment plan or financing is offered
- Customer changes behavior or makes major purchases
- Continuous monitoring of existing customer relationships is desired
Some companies perform assessments on an ongoing basis - for example, every time a customer makes a purchase - while others do periodic checks. It depends on your business model and risk tolerance.
Use Qatchr for smarter debtor assessment
With Qatchr, you get access to tools that simplify and improve your assessment of customers - both individuals and businesses. Qatchr combines credit data, master data and recommendations for:
- Credit maximum and maturity
- Insight into debt registrations
- Warnings for changes in credit status
- Automated assessments based on objective criteria
This ensures an efficient and data-driven credit policy - without unnecessary manual administration.
