Fake emails, fake calls, fake documents: AI has made them all easier to create and harder to recognise. The defence is surprisingly low-tech. If an urgent request involves money, access or data, verify it through a second channel you already trust. Call back on a known number. Ask a colleague.
Onguard and Storecove sat down for a joint session on the e-invoicing mandates reshaping how European businesses get paid. The takeaway: this isn’t a future problem anymore. France’s mandate went live on 1 September. Germany, Poland, Spain and Slovakia are next, with the EU’s ViDA directive setting a 2030 ceiling for the rest.
Onguard announces a change in its Managing Director leadership, effective 1 August 2026. Adriaan Kom, who led Onguard for the past six years, has stepped down to take on a new opportunity in Rotterdam, his hometown. He has been succeeded by Dennis Kromhout van der Meer, proposed by parent group Norvato, who has taken on the role of Managing Director.
Onguard’s FinTech Barometer 2026 surveyed 336 CFOs, finance managers and credit management professionals in the Netherlands. The data shows that DSO isn’t a data problem, it’s an ownership problem: 81% of credit teams only explain DSO after the fact, 48% can plan incoming cash with confidence no more than two weeks ahead, and 1 in 9 organisations has no one to call when a DSO target is missed. For finance teams that want to lower DSO in 2026, fixing ownership matters more than adding another dashboard.
ERP systems record financial transactions. Credit management software helps credit teams act on them. While ERP platforms like SAP, Oracle or Microsoft Dynamics store invoices, payments and customer data, they are not designed to prioritise collections work.
“Late payments rarely appear suddenly. They start with signals in the invoice-to-cash process, signals that credit teams can spot earlier. Late payments are rarely the real problem. They are the result of something in the process breaking down,” explains Willand Brienen, Product Manager at Onguard and former credit manager.
Late payments increased again. Data became both the biggest opportunity and the biggest headache. AI moved from “a nice to have” to a daily reality. And Belgium decided to shake up invoicing rules just to keep everyone alert. If 2025 showed one thing clearly, it’s this: credit management is no longer just about collecting invoices. It’s about data, trust, and the systems behind it.
65% of CFOs plan to increase their gen-AI investment, according to McKinsey, but 95% of AI pilots fail to deliver meaningful financial impact. The Onguard Baropaper mirrors this disconnect: DSO rises sharply, invoice accuracy deteriorates, and data complexity continues to grow. With AI advancing faster than outcomes, what’s preventing finance and credit management teams from turning technology into cash-flow improvement?
You can’t see security. But you can feel it: in the peace of mind that your data is protected, your customers are safe, and your systems keep running no matter what. At Onguard, that sense of security doesn’t happen by accident. It’s built, tested, monitored and continuously improved by the people behind the screens, like Davey Heisen and Marc van Loon, the duo leading Onguard’s security operations.
It was a Friday afternoon in 2005 when he cold-called Onguard and landed a sales job position. He has showcased Onguard globally, from Brazil to Australia. He’s been working at Onguard for the past 20 years, but his story starts way before credit management software. This is Marco Bontje, Strategic Account Executive at Onguard!