When should I send a payment reminder?
Usually a few days after the agreed payment term has expired, once you have checked the invoice and client details.
Payment guide for freelancers in the Netherlands
Payment reminder for an overdue invoice in the Netherlands: a ZZP guide
An overdue invoice does not always mean you need debt collection immediately. Start by checking the facts and sending a clear, professional reminder.
All guidesCheck the invoice and contact first
Confirm the invoice number, amount, due date, client details and payment information. A short call or message can reveal whether the issue is an invoice error, an approval process or a temporary delay on the client side.
- Invoice number, amount and original due date.
- Client name and the right contact person.
- The delivered service or product.
- Current IBAN and payment details.
Send a friendly payment reminder after the due date
Keep the reminder factual and professional. Identify the invoice, outstanding amount and due date, then make the payment method easy to find. Ask the client to confirm if the payment has already been scheduled.
Keep a copy of the reminder and the client's response. A documented sequence means that later follow-up stays connected to the original invoice.
- A clear subject line, such as a reminder for invoice payment.
- Invoice number, outstanding amount and due date.
- A specific new date or a request for payment status.
- Your IBAN or another secure payment method where relevant.
Business clients and consumers have different rules
For a business client, follow the payment and collection process in your contract or terms. For a consumer, a free formal 14-day notice is required before collection costs can be charged.
Rules for statutory interest and collection costs depend on the customer type, your agreement and the circumstances. Do not rely on a remembered rate: check current guidance or obtain advice for an individual case.
If the invoice remains unpaid
First establish whether a short delay is realistic. If you agree a payment arrangement or a new deadline, record it in writing. For a dispute, a significant amount or further enforcement, speak with an accountant or legal adviser.
SmartWerk helps keep the invoice, client information and reminders organized. It does not replace legal advice or a debt collection service.
Frequently asked questions
Can I charge collection costs immediately?
That depends on the customer type and legal basis. A consumer must first receive a free formal notice with a 14-day payment period.
Does SmartWerk collect unpaid invoices?
No. SmartWerk helps you prepare and document reminders; legal or collection action requires the appropriate adviser or provider.
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Send reminders without losing the invoice history
Keep client details, the invoice and each follow-up reminder in one organized workflow.
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