AFAS and credit management software: Better together
AFAS Profit runs your business administration. Onguard handles what happens when customers don’t pay on time.
The reality of using AFAS profit for collections
AFAS Profit is built to run your entire organisation: HR, payroll, CRM, finance, all in one place. That breadth is its strength. It also means that collections is a small corner of a very broad platform.
AFAS Profit's built-in dunning functionality covers the basics: standard reminder letters and an ageing overview. For a small, stable debtor portfolio, that may be enough.
But when invoices start stacking up or your credit controller is juggling collections alongside four other responsibilities, there is a big gap between what AFAS records and what your team needs to act on.
Onguard connects to AFAS Profit and adds a dedicated collections layer. Your AFAS environment stays exactly as it is. Your team stops losing track.
What each ones handles
AFAS Profit vs credit management software:
This is not about replacing AFAS. It is about extending it where collections and cash flow management demand more than an ERP was ever designed to provide.
| Capability | AFAS Profit | Onguard credit management software |
|---|---|---|
| Stores invoices and payments | ✅ | ✅ |
| Standard dunning letters | ✅ (fixed templates limited flexibility) | ✅(fully automated, personalised per customer segment) |
| Ageing overview of overdue accounts | ✅ (static lists, manual to action) | ✅(dynamic, prioritised by actual collection risk) |
| Prioritises debtors by payment behaviour, not just DSO | ❌(AFAS ranks by ageing bukcet and amount) | ✅(ranked by your own collection policies) |
| Tracks disputes and promises-to-pay in one place |
❌ | ✅ |
| Involves all the required parties in a dispute resolutions | ❌(you have to manually loop in sales/ operations) | ✅(automatic, with full audit trail) |
| Sends the right message to the right contact at the right time | ❌ (same reminder goes to every overdue customer) | ✅(segmented by behaviour, relationship and risk) |
| One consolidated view across multiple entities | ❌(each entity managed separately in AFAS) | ✅ (one cockpit across all entities) |
| Real-time cash flow dashboards and collector performance insight | ❌ Reporting only | ✅ |
| AI-supported prioritisation of collections activities | ❌ | ✅ - Rolling out |
| Dedicated workflows for every exception (disputes, plans, escalations) | ❌ (all exceptions handled manually outside AFAS) | ✅ |
| Pay-now links sent directly to customers | ❌ | ✅ |
| Debtor layering (guarantors, parent/subsidiary links) | ❌ | ✅ |
| Third-party credit bureau data integrated into workflows | ❌ | ✅ |
The daily gap
What AFAS Profit doesn't tell your credit controller in the morning
AFAS shows you what is open and overdue. It does not tell you what to do about it, or in what order.
01. Which customers actually need a call today?
Onguard: Separates genuine risk from routine lateness. Payment history, previous promises-to-pay, and behavioural signals determine who gets priority (not just the size of the overdue amount.)
02. Why hasn't this invoice been paid, and who is dealing with it?
Onguard: Disputes are logged and tracked from the moment they are raised. The right people (finance, sales, operations) are involved automatically. Nothing stays stuck because it fell out of an inbox.
03. Did the customer actually follow through on what they promised?
Onguard: Every promise-to-pay is recorded, tracked, and followed up automatically if not honoured. No manual reminders. No slipping through the cracks.
For growing business
When your debtor portfolio grows faster than your team
Many AFAS Profit users run lean finance teams: one or two people handling credit alongside other responsibilities. That works until the customer base grows, payment behaviour becomes less predictable, or a few large overdue accounts start putting real pressure on cash flow.
At that point, the choice is usually: hire someone, or find a smarter way to work. Onguard is built for the second option. It automates the routine (reminders, follow-ups, escalations), so your credit controller spends time on the conversations that actually need a human, not on rebuilding an overdue list from an AFAS export every Monday morning.
Also: Some AFAS Profit users also operate across multiple legal entities (holding structures, subsidiaries, or businesses grown through acquisition). In those situations, AFAS manages each entity separately, with no consolidated view of total AR exposure or collections activity across the group. Onguard brings all of it together in one cockpit: one priority list, one dispute overview, one dashboard, regardless of how many entities sit underneath.
How integrations works
Connecting Onguard to AFAS Profit: straightforward by design
The integration is designed to require no disruption to your existing AFAS setup. You keep your ERP exactly as it is. Onguard layers on top.
- Connect AFAS Profit: Invoice data, customer records, and payment history sync automatically from AFAS into Onguard. No manual exports. No disruption to how your team currently uses AFAS.
- Set up your collections workflows: Configure dunning sequences, escalation rules, and communication templates in Onguard, tailored to how your organisation actually works. No development work required.
- Enrich with external data:Add credit bureau information and external risk signals on top of what AFAS holds, to give your team a fuller picture of each debtor before they pick up the phone.
- Work from one cockpit:Your credit controller sees one prioritised list, with full context on every open account. Everything needed to act (communication history, dispute status, promises-to-pay) in one place.
What you gain
AFAS and credit management software: what it means in practice
Your credit team sees one prioritised work queue, with full context on every debtor. Real-time dashboards show cash flow, dispute status, and collector performance across every entity and country.
Less time on admin, more time on the right calls Routine reminders go out automatically. Your credit controller stops maintaining the list and starts working it.
Lower DSO Follow up on the accounts that actually move cash, identified by behaviour, not just ranked by overdue amount.
Cash flow you can predict: See which payments are at risk before the end of the month arrives and the gap becomes a problem.
Nothing falls through the cracks: Promises-to-pay are tracked. Disputes are owned. Every account has a clear next action, even when your credit controller is on holiday.
Communication that fits your customer: Different customers get different approaches without anyone manually managing the sequence.
No technical project required: Setup and configuration happen in Onguard, not in AFAS. Changes are made directly, without IT involvement or development work.red.
Who benefits most
AFAS Profit users who get the most from adding Onguard
Credit controllers managing collections solo: One person handling AR follow-up alongside other finance responsibilities — and losing time each week to manual list-building and chasing.
Growing businesses: Customer base and invoice volume expanding faster than the team - and adding a collections headcount is not the right next step.
Businesses where cash flow timing matters: Organisations where a handful of late payments create real pressure and better visibility would make planning significantly easier.
Teams where sales and finance need to work together: Disputes that live in sales inboxes, credit decisions made without shared context — businesses where collections is still a solo sport instead of a team effort.
Frequently asked questions
AFAS Profit and credit management software: common questions
Does AFAS Profit include credit management or collections functionality? AFAS Profit includes basic AR functionality — invoicing, payment tracking, and standard dunning letters. It is not designed as a dedicated collections tool. There is no behavioural prioritisation, no dispute tracking, no promises-to-pay management, and no collector work queue. For straightforward portfolios it may be sufficient. For growing businesses or teams under collections pressure, the gaps become visible quickly.
Does Onguard replace AFAS Profit? No. AFAS Profit remains your financial and business administration platform. Onguard adds a dedicated collections layer on top — prioritisation, automated workflows, dispute management, and dashboards. Your AFAS setup does not change.
How does Onguard connect to AFAS Profit technically? Onguard handles the integration. Invoice data, payment records, and customer information sync automatically from AFAS. No changes to your AFAS configuration. No IT project required on your side.
How does adding Onguard reduce DSO for AFAS users? By making sure the right customers are followed up at the right time — automatically. AFAS shows what is overdue. Onguard determines which accounts are genuinely at risk, triggers reminders before issues escalate, and tracks promises-to-pay so nothing is missed.
Is AFAS Profit enough if we only have a small debtor portfolio? For very small, stable portfolios with predictable payment behaviour, AFAS Profit's built-in functionality may cover the basics. Once volume grows, payment patterns become less predictable, or collections pressure increases, dedicated credit management software adds the structure and automation that AFAS was not built to provide.
See how AFAS and credit management software work together
If your team is spending more time managing the overdue list than working it:
Onguard connects to AFAS Profit and gives your credit controller one clear view of what needs to happen today.