By signing the Agreement Framework Social Debt Collection, Bosveld confirms its commitment to a debt collection policy that is in line with the principles of social debt collection. Together with other participating parties, we are actively contributing to a future-proof debt collection landscape, in which the human dimension and early support are leading. The joint ambition is clear: debt collection in a way that is people-oriented, remains effective and creates social value.
What does this mean for Bosveld?
José Olde Olthof (CEO):
“This is not a change of course for us, but a confirmation of who we are and what we stand for. The debt problem affects people deeply and requires joint responsibility and cooperation throughout the chain. Although this social issue extends beyond the debt collection sector alone, we feel a responsibility to do so where we can make a difference. The Agreed Framework provides direction and reinforces the movement that is already underway: from debt collection to offering structural solutions. It is with conviction that we join this movement. It helps us and the sector to translate ambitions into daily action, with permanent attention to the human dimension.”
Why is this so important?
Johan Kramp (Operations Director):
“Ultimately, it’s about not getting people further into trouble, but helping them regain control and move forward. We see daily the impact of early and personal contact. By proactively facilitating appropriate payment arrangements or referring people to other agencies in a timely manner, we prevent escalation and unnecessary financial stress. Research shows that social debt collection generates hundreds of millions of euros in social value every year, clearly underlining the importance of this approach. It requires not letting go when things become complex, but rather providing guidance and perspective, with continued attention to the balance between people-centeredness and effectiveness.”
What do we want to achieve?
José:
“By signing the Agreed Framework, we continue to structurally align our debt collection policy with the principles of social debt collection. We want to show that this approach works, is scalable and can become the new norm. And with the introduction of the Bosveld Social Compass, we are further embedding this people-centered debt collection in our people, processes and communication. We also have the ambition to voluntarily report on our sustainability results in 2026 based on a VSME standard adapted for the debt collection industry. In this way, we not only take stock internally, but also demonstrate externally how we apply social debt collection in concrete terms.”
Johan:
“This is not an end point, but a starting point. We continue to invest in data, innovation and dialogue. Together with our partners, we are taking further steps towards a debt collection system that is more human, smarter and more sustainable.”
The Social Debt Collection Agreements Framework is a joint initiative developed under the leadership of SchuldenlabNL, in collaboration with the Social Debt Collection Steering Committee of the National Coalition for Financial Health (NCFG). The framework was signed by a broad group of public and private organizations to make social debt collection,an approach to debt collection that focuses on early personal contact, customized payment arrangements, low costs and referral to appropriate support, the new norm in the Netherlands.
