1. Costs – No Win No Fee!

Having long standing relationships with all our overseas partners we have agreements to provide these services on a NO WIN NO FEE basis charging the agreed commission rate against monies recovered only.

2. Coverage in Luxembourg

Luxembourg is divided into 3 districts which is further broken down into 12 cantons. Our local office is in Niederanven which is centrally located enabling us to locate debts throughout the country.

3. Local Experience

Unlike many of our competitors all cases are handled by the local office or partner. The reasons for this are they speak the debtors’ language, in the case of Luxembourg there are 3 official languages; Luxembourgish, French &, German. We understand the local cultures and know all the legal processes. These are reasons why Creditreform are the ideal people to help you in collecting debts from overseas.

4. Statute of Limitation in Luxembourg

10 years but there are many special exemptions so whatever the age please contact us and we will advise if we can assist with your claim

How to Instruct Us

We simply require the following details:

  • Full name & address of the debtor
  • All available contact details of the debtor i.e. contact name(s) / Tel / Mobile / Email(s)
  • Amount owed (Invoice(s) or Statement will help)


Or ask us to call you – just leave us your details:


    Luxembourg Debt Collection – No Win No Fee


    Creditreform operates a global specialist International debt collection service. We have local offices and fully approved expert international debt collection agency partners in every country worldwide. All our international offices and partners initiate the collection processes by sending the debtors a debt collection letter to introduce their involvement. Creditreform Luxembourg works very closely with our German head office and has an extensive database on Luxembourg companies which enables them to assess the financial situation of debtors before an instruction is given.

    Main reasons why a local country debt recovery agency is so important rather than trying to recover from a debt collection agency UK are as follows:

    The local International Debt collection Partners know:

    1. The local cultures
    2. The best methods of initiating debt recovery letters and processes
    3. The languages
    4. The laws
    5. Are in the same time zones

    Herewith details of our debt collection service Luxembourg:

    Location of debt recovery office in Luxembourg?

    Niederanven. All debt collection letters are sent by the local head office.

    Number of debt collection staff?

    10 staff in Luxembourg debt collection department. Each staff member is allocated a client and all their debt collection letters are personalised in order to effect the best response results from debtors.

    How long have you been operating a debt recovery service in Luxembourg?

    Since 1999

    What type of debt collection services do you provide? Do you do commercial debt recovery (B2B) and consumer debt recovery (B2C)?

    We handle both Business to Business debt recovery cases and Business to Consumer debt collections cases. There is different content for business to business debt collection letter templates and business to consumer debt collection letters templates.

    Statue of Limitation in Luxembourg?

    Most common limitation periods are: 10 years in B2B / 1 year in B2C / 30 years Enforcement orders or judgments. Limitation periods might need to be checked on a case to case basis, as they depend on the basis of the claim

    How many companies registries in Luxembourg for businesses (i.e. UK has just 1 central registry)?

    Luxembourg has 1 central company register (RCS/Registre de commerce et des sociétés)

    What is the debt collection process in Luxembourg?

    Stanadrd process initiated with a debt recovery letter (reminders sent per mail/e-mail/fax – phone calls…etc) The following research can be performed out-of-court (B2C) : address research and employer research

    Average length of time to collect a debt?

    Strongly depends on the case as well as the debtor’s solvency.

    –       Can late payment fees / interest be added to claims?
    Yes they can.

    Details on legal service / process in Luxembourg?

    According to the file, legal service is made in-house via a court order or by our lawyer

    As a Professional of the financial sector (Professionnel du Secteur Financier, PSF) Creditreform Luxembourg SA is subject to supervision by the Luxembourg Financial Supervisory Authority, the “Commission de Surveillance du Secteur Financier” (CSSF).

    Luxembourg Business Credit Reports

    Creditreform provides over 88 million international business credit reports throughout Europe and 200 million international business credit reports worldwide. The Luxembourg Trade and Companies Register has about 120,000 registered entities. These include:

    Sole traders

    Commercial companies

    Economic interest groups

    European economic interest groups

    Branches of foreign commercial companies

    Civil law companies

    Not for profit organizations


    Pension savings associations

    Agricultural associations

    Public institutions.

    Through our online databases you can download Luxembourg credit reports instantly. This can be done prior to trading to make sure the company you will be dealing with can meet the commitment or once the debt becomes overdue to ensure the debtor can meet the amount owed.

    Luxembourg Tracing Agents

    Creditreform’s debt collection company service also uses expert local Luxembourg tracing agent services to locate any absconded debtor. This debtor tracing service is provided on a No Find No Fee basis only charging for a successful trace.

    Specialist Debt Recovery Experts

    There are many unique requirements to recovering international debts in all countries including Luxembourg debt collection services which differ from the UK and therefore it is very important that cases are handled directly by our expert international debt collection agencies and not from debt collectors UK. This method of international debt collection sets Creditreform aside from the competition who in many cases try and recover international debts from a UK debt collector only. Using the local offices and partners enables us to achieve a far greater success rate and our No Win No Fee service together with competitive commission rates against monies recovered only ensures you get the best service.

    “We are pleased with the friendly and efficient service of Adrian Harding and staff at Creditreform in collecting outstanding overdue debts on our behalf. Some accounts, especially those located overseas have been difficult customers but we are pleased with the high rate of success. We also appreciate that they keep us informed and constantly updated on the progress of the collection”
    Bryan de Beer, Phoenix Fragrances
    “Within 48hrs of Creditreform being involved a resolution was agreed and within the week paid in full. The professionalism of the Creditreform team was second to none and I would and indeed do recommend them to colleagues in a similar difficult position This situation was the first time we have had to employ a company for debt recovery and it was good to feel that you have someone else ‘on your side’.”
    Dean Lake, Lake Contracts
    “We have been using Credit Reform for a number of years now and we have always been dealt with in a professional and friendly way. Over time, Creditreform have managed to achieve good results for us. Would definitely recommend.”
    Anna Zhakrova, Catering Hygiene Specialists Ltd
    “I have worked with Creditreform for many years and always received a first class service. Keep up the good work”
    Russell Hardwick, MSC Industrial