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Glossary termPublished inWki

Incassomedewerker

Also known as Debt collection employee

What does "Incassomedewerker" mean in the Besluit kwaliteit incassodienstverlening?

persoon die belast is met het verrichten of aanbieden van buitengerechtelijke incassowerkzaamheden

Defined in / by

Last updated: 14 October 2026.

Training and yearly upkeep

An incassomedewerker needs training of at least level 3 of the European Qualifications Framework (Besluit kwaliteit incassodienstverlening, Article 2.2(1)). Every year the incassomedewerker takes one or more courses to keep knowledge and skills current, and attends a meeting on the social norms of collection work (Article 2.2(3)). Someone who has done collection work for less than six months is exempt from the yearly requirement (Article 2.2(4)).

What an incassomedewerker must know

The Regeling kwaliteit incassodienstverlening spells out the knowledge (Article 2(1)): the quality rules of the Wki and the Besluit; personal data and special categories of personal data; how out-of-court collection costs and statutory interest are calculated; municipal debt assistance and the debt restructuring scheme; collecting through the courts; limitation periods and how to interrupt them; and the limitation period for claims from a consumer sale. Added to that are conversation techniques, at least listening, summarising and asking further questions, and communicating in Dutch at level B1, adjusted to the person on the other end (Article 2(3)). The explanatory note expects an incassomedewerker to recognise which law a debtor's question touches and to refer harder questions to an operational leader.

Screening and the relaxed policy

An incassomedewerker who deals with debtors or creditors hands over a verklaring omtrent het gedrag no older than three months before starting (Article 12(1) Wki). The training requirement is the part the government relaxed. On 28 March 2025 the State Secretary announced a temporary, more lenient policy (Kamerstuk 35 733, nr. 18). As at 29 June 2026 it still covered staff active before 1 April 2024, did not cover trainees, and no decision on the diploma requirement had been taken (Kamerstuk 35 733, nr. 19).

Questions and answers

What training does a debt collection employee need in the Netherlands?

Training of at least level 3 of the European Qualifications Framework, under Article 2.2(1) of the Besluit kwaliteit incassodienstverlening, plus a yearly course and a yearly meeting on social norms. As at 29 June 2026 a temporary, more lenient policy applied to staff active before 1 April 2024, but not to trainees.

Does a new incassomedewerker have to take the yearly course in the first months?

No. Article 2.2(4) of the Besluit kwaliteit incassodienstverlening exempts an incassomedewerker who has done collection work for less than six months from the yearly course and the yearly meeting on social norms. The level 3 training requirement in Article 2.2(1) applies from the start.

Glossary

  • Schuldhulpverlening

    het ondersteunen bij het vinden van een adequate oplossing gericht op de aflossing van schulden indien redelijkerwijs is te voorzien dat een natuurlijke persoon niet zal kunnen voortgaan met het betalen van zijn schulden of indien hij in de toestand verkeert dat hij heeft opgehouden te betalen, alsmede de nazorg

  • Operationeel leidinggevende

    persoon die leiding geeft aan het verrichten of aanbieden van buitengerechtelijke incassowerkzaamheden

  • Incassodienstverlener

    degene die buitengerechtelijke incassowerkzaamheden als bedoeld in artikel 1 van de Wet kwaliteit incassodienstverlening verricht of aanbiedt

  • Verklaring omtrent het gedrag (VOG)

    een verklaring omtrent het gedrag, afgegeven volgens de Wet justitiële en strafvorderlijke gegevens of, voor zover van toepassing, een met deze verklaring overeenkomend document, afgegeven door het daartoe bevoegde gezag in de staat van herkomst

Regulations

  • Wet kwaliteit incassodienstverlening (Wki)

    The Wki (Wet kwaliteit incassodienstverlening) regulates out-of-court debt collection from consumers in the Netherlands. Collectors working for a third party or on bought claims must be in the Justis register. Since 1 October 2026 a debtor owes no collection costs or interest to an unregistered collector.

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