OPERATIONS
Four ways to get your money back. Calibrated by jurisdiction, scaled by urgency, delivered with the quiet confidence of people who have been doing this since 1999.
30+
jurisdictions
4
operation types
70%
amicable resolution
Est. 1999
Here is a number that should bother you: 47% of all B2B invoices in Western Europe are paid late. Not a few. Not an unlucky minority. Nearly half.
In Central and Eastern Europe, it is worse — 53% of B2B credit sales are overdue. In North America, 40% of invoices arrive late and 5% are written off entirely. Globally, three out of four companies experience late B2B payments. One major company files for insolvency every 20 hours. Business insolvencies have risen for five consecutive years and are now 24% above pre-pandemic levels.
Meanwhile, 30% of revenue remains uncollected after 90 days. Not because the money does not exist. Because nobody asked for it properly, in the right language, through the right legal system, with the right amount of professional insistence.
That is what we do.
InterStation operates four distinct collection methodologies — each designed for a specific stage of debtor behaviour, a specific level of resistance, and a specific set of jurisdictional requirements. Think of them as gears. You do not start in fourth. But you should know it is there.
0%
B2B invoices paid late in Western Europe
Atradius 2025
0 every 20h
A major company enters insolvency
Allianz Trade 2025
0.0M
Jobs at risk from rising insolvencies
Allianz Trade 2025
0%
Revenue uncollected after 90 days
Industry data
The conversation before the courthouse.
Most commercial debts do not require a lawyer. They require a well-structured demand, delivered in the debtor's language, referencing the debtor's local legal framework, with a credible escalation path visible behind it.
Amicable collection resolves 65–75% of early-placed claims in Northern Europe. Even in Southern European markets — where payment terms stretch to 60–90 days and late payment is culturally normalised — amicable resolution succeeds 40–55% of the time when claims are placed within 90 days.
The difference between a demand letter that generates payment and one that gets filed in the bin is not the font. It is whether the debtor believes the sender can actually do something about it.
First contact
Within 48 hours
Channels
Letter, email, phone, registered post
Escalation trigger
14–21 days non-response
Languages
20+
When the conversation is over.
Some debtors do not respond to amicable demands. Not because they cannot pay, but because they have calculated — correctly, in many cases — that the creditor will not follow through. Legal escalation corrects that calculation.
Every jurisdiction has its own accelerated procedure for undisputed commercial debts. Germany's Mahnverfahren processes millions of automated payment orders at €36 per filing. France's référé provision resolves undisputed claims in 2–4 weeks. Spain's proceso monitorio costs nothing to file.
We do not litigate for sport. We litigate because the debtor has made amicable collection impossible, and the numbers justify enforcement.
Cost-benefit assessment
Every case
Fast-track time
2–6 weeks
Zero-fee jurisdictions
Spain, Portugal +
Post-judgment
Asset tracing, bank freezing
The operation that makes Europe's 27 legal systems feel like one.
Cross-border B2B collection is where most agencies quietly fail. They send a demand letter in English to a debtor in Milan and call it international coverage. The debtor's lawyer sends back a one-line reply in Italian and the case goes quiet.
International collection requires genuine infrastructure: a local partner in the debtor's jurisdiction with native-language capability, direct court access, and cultural fluency. It also requires knowledge of the EU's cross-border enforcement toolkit — the European Payment Order (EPO), European Enforcement Order (EEO), European Account Preservation Order (EAPO), and Brussels I bis Regulation.
A creditor in Frankfurt can obtain judgment against a debtor in Rome, freeze the debtor's bank accounts in Barcelona, and enforce the judgment in Paris. Within one legal framework. We use it.
Active jurisdictions
30+
EU instruments
EPO, EEO, EAPO, Brussels I bis
Non-EU enforcement
Bilateral treaties, Hague, DIFC
Network model
Vetted local partners
B2B. Not B2C. The distinction matters more than you think.
Collecting a commercial debt from a company is fundamentally different from collecting a consumer debt from an individual. The debtor is a business entity with assets, bank accounts, trade relationships, and a reputation to protect.
Commercial debt collection operates on higher claim values, shorter optimal placement windows, and a wider range of enforcement tools — including asset preservation orders, director liability actions, and supply chain leverage. The debtor's incentive structure is not fear of a credit score impact. It is fear of losing a trading relationship, a bank facility, or a commercial reputation.
Our commercial operations focus on B2B claims from the manufacturing, technology, logistics, construction, wholesale, healthcare, energy, and professional services sectors.
Minimum claim
Typically €5,000+
Average claim
€15,000–€500,000+
Sector specialisation
9 industries
Fee structure
No collection = no fee
These four operations are not alternatives. They are stages.
AMICABLE
65–75% resolution
Structured demands & negotiation in debtor's language
LEGAL
Court procedures
Payment orders, injunctions & enforcement
INTERNATIONAL
30+ jurisdictions
EU cross-border instruments & local partners
COMMERCIAL
B2B focused
Asset tracing, director liability & enforcement
AMICABLE
65–75% resolution
Structured demands & negotiation in debtor's language
LEGAL
Court procedures
Payment orders, injunctions & enforcement
INTERNATIONAL
30+ jurisdictions
EU cross-border instruments & local partners
COMMERCIAL
B2B focused
Asset tracing, director liability & enforcement
Five jurisdictions. Five fast-track procedures. Compared.
Jurisdiction
Procedure
Cost
Timeline
Germany
Mahnverfahren
€36
France
Référé provision
Variable
Spain
Proceso monitorio
€0
Italy
Decreto ingiuntivo
Variable
UK
MCOL
£35–455
Every case begins with amicable collection — the fastest, cheapest, and least adversarial path to resolution. If the debtor responds, the case resolves without legal costs. If they do not, the case escalates to legal action in the debtor's jurisdiction — using the most efficient court procedure available.
If the claim is cross-border, our international collections infrastructure handles jurisdictional complexity, enforcement recognition, and asset tracing across borders. And all of it operates within a commercial debt collection framework designed specifically for B2B claims.
The creditors who collect the most are the ones who place claims early, with the right partner, in the debtor's jurisdiction.
The ones who collect the least are the ones who wait.