DECOL Secures €50 Million Unsecured B2B Debt Portfolio Mandate

The €50 million portfolio consists exclusively of unsecured B2B claims — receivables without collateral, personal guarantees or registered security — placed by a corporate creditor with exposure across multiple industries and jurisdictions. Files range from recently overdue invoices to accounts previously written off internally after standard credit-control efforts.

DECOL was selected following a competitive evaluation of recovery rate benchmarks, jurisdictional coverage, technology infrastructure and compliance posture (ISO 9001, ISO 27001, ISO 22301, ISO 18295-1). The mandate combines amicable pre-legal recovery, structured settlement negotiation and, where appropriate, escalation to legal proceedings and enforcement through DECOL's international partner network.

Case onboarding has already begun. All files are being ingested, validated and segmented through Decol24, DECOL's proprietary debt collection platform, before being routed to the appropriate regional recovery team.

Unsecured receivables are among the most challenging categories of commercial debt. Without collateral or a registered security interest, the creditor competes with every other unsecured creditor in the event of insolvency, and the recovery outcome depends heavily on the debtor's willingness and ability to pay, the strength of the underlying documentation and the enforcement environment in each jurisdiction.

On ageing portfolios, additional factors compound the difficulty: statute-of-limitations risk, outdated debtor contact information, disputed balances, currency and transfer restrictions, and, in some markets, procedural delays in enforcement. A generic collection approach applied uniformly across such a portfolio typically produces poor results.

DECOL's approach is to segment the portfolio by debtor jurisdiction, claim age, invoice value, dispute status and enforceability, then apply a differentiated recovery strategy to each segment — from high-touch negotiation on large single accounts to volume-based digital workflows on smaller balances.

Every file is validated through Decol24 for documentation completeness, statute-of-limitations status, debtor identification and contact quality. Where debtor contact data is incomplete, DECOL's skip-tracing workflows are used to locate updated business addresses, registered representatives and finance contacts through compliant sources.

Amicable recovery is prioritised. Multilingual case handlers issue jurisdiction-specific demand letters, negotiate structured settlements, arrange partial payments and manage disputes. All communication is logged in Decol24 and made available to the creditor in real time through the client portal.

Where amicable recovery is exhausted, DECOL escalates to legal recovery through its international partner network of law firms and enforcement agents. Legal action is only initiated with prior client approval and after a cost-benefit assessment of the specific claim, jurisdiction and debtor profile.

Performance is tracked through KPIs including contact rate, promise-to-pay conversion, cash recovered, days-to-first-payment and net recovery rate by segment. The creditor receives portfolio-level reporting on a defined cadence, with drill-down access to individual case status at any time.

Large mandates of this type are typically awarded to full-service international agencies capable of combining technology, multilingual operations and legal escalation in a single workflow. The appointment reinforces DECOL's positioning as an independent, cross-border alternative to the traditional consortium-model collectors in Europe and the GCC.

For corporate creditors, banks, alternative lenders and receivables buyers, the mandate demonstrates that ageing unsecured portfolios — often treated as low-recovery — can produce meaningful cash outcomes when handled with proper segmentation, jurisdictional expertise and technology-enabled case management.

DECOL continues to accept both single-case placements and portfolio mandates across all commercial sectors, on a no-recovery, no-fee basis for amicable pre-legal collections.