Insights & Trends in credit managmenent

Explore our collection of articles designed to help finance professionals streamline their order-to-cash process. From ERP integration tips to the latest industry trends, get the knowledge you need to turn data into action

Fintech Barometer 2026:

Measuring everything. Managing nothing.

For the ninth consecutive year, the Onguard FinTech Barometer surveyed 336 CFOs, finance managers and credit management professionals in the Netherlands. The picture that emerges is consistent and confronting. In 2026, cash flow has become a boardroom topic, but it's still being managed as if it belongs in the back office.

Measuring everything. Managing nothing.

Overview

migration to Azure

Security, Scalability, Sustainability: CreditManager migrated to Microsoft Azure 

Imagine you log in to CreditManager, expecting your usual routine. But something’s different: even faster response times and drastically reduced import times. You didn’t change anything, but behind the scenes, a major shift has taken place!

April 30, 2025
working at onguard

Working at Onguard: Meet Christine

She’s an Olympian, a record-breaker, a marathon runner, and, believe it or not, a medical biology graduate. But that’s not all. Christine Toonstra is also a technical Consultant at Onguard!

April 8, 2025
Women's Day 2025 - Blog

Women in fintech: 8 Onguardians share their voices

If you were just about to start your career in a traditionally male-dominated sector, what advice would you give yourself? Women currently make up only 28% of the global tech workforce. So, on this International Women’s Day, 7 Onguardians, the real women in fintech, share their voices as an inspiration for new generations of women in the sector. 

March 7, 2025
working at onguard

Working at Onguard: Meet Stijn 

Persistent, motivating, and passionate: these are the words his friends use to describe him. He is one of the main actors in the success of CreditY, he has a passion for politics and, in his free time, he teaches children about the importance of financial independence. Meet Stijn Horlings, Customer Success Manager at Onguard! 

February 18, 2025
AI in finance

AI in finance: 71% of organisations are already onboard

A total of 71% of organisations are already leveraging AI to enhance their financial operations, with adoption set to reach nearly universal levels within the next three years, latest KPMG research shows. Financial accounting and reporting account for the biggest AI use in finance, but the AI use is spreading across more finance areas. 

January 30, 2025
working at Onguard

Working at Onguard: Meet Natascha 

She has been working at Onguard for 24 years, she loves philosophy and art, and she is Onguard’s go-to person for sustainability, a former active member of the work council, the organisation’s Unicef project team member, and a gender diversity advocate. Meet Natascha Umans, Senior Account Manager at Onguard! 

January 14, 2025
trends in credit management

A look back at 2024: 5 trends in credit management from the past year

The trends of today are shaping the trends of tomorrow. How has 2024 unfolded and what is expected for 2025? As this year has come to an end, we gathered a list of the top themes that caught our attention through the past year.

December 18, 2024
AI voor strategische beslissingen

AI to influence 50% of strategic decision-making in finance by 2029

While fewer than 20% of strategic decisions currently leverage AI in the Dutch finance sector, this figure is projected to surge to nearly 50% within the next five years. This is according to the latest Deloitte CFO Survey, based on a sample of over 130 Dutch CFOs from various sectors.

December 5, 2024
ONG University1

Strategic Credit Management: The way to positive cash flow

Relatively little has changed over the past 25 years in the credit management profession. Yes, we now send e-mails and text messages instead of faxes and letters. Moreover, we have “fancy” systems and AI. However, in essence, outstanding receivables have not declined structurally within organisations, said Meri Nasole, at the first Onguard University event.

October 29, 2024
Payment links

Adriaan Kom on VCMB: “There is no digitalisation without security”

Digitalisation and vulnerability are two sides of the same coin. When we lock our doors leaving the house but skip the 2FA setup to secure our digital assets, it’s time to “act the other way around” and start learning from the younger, said Adriaan Kom, Managing Director, Onguard, in an article posted on VCMB.

October 15, 2024
Credit Health Scan
Your receivables are costing you.
Do you want to know how much?
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What is the annual revenue of your organization?

What are your standard payment terms with customers?

How many FTEs are in your credit management department?

How many invoices does your organization send annually?

How many days on average do your customers pay past your payment terms?

Which system do you primarily use for accounts receivable management?

What percentage of your invoices is paid after the due date?

How does your reminder process for outstanding invoices work?

How quickly do you have insight into your total accounts receivable position?

How do you assess the credit risk of new customers prior to delivery?

How are payment agreements with customers recorded in your organization?

How do you forecast your expected cash flow for the next four to eight weeks?

What percentage of your annual revenue do you write off as bad debt on average?

How do you handle invoice disputes and payment discrepancies?

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