🇩🇪Germany

Unbilled und nicht erfasste Nebengebühren (Mahngebühren, Zinsen, Verfahrenskosten)

Updated: Feb 20262 verified sources

Definition

Remittance processes in collection agencies typically capture only the base collection fee, missing: (1) Late-payment interest (§ 288 BGB: 5% p.a. B2B + Basiszinssatz; §§ 288, 286 BGB: 8% p.a. consumer defaults). On claims >€100,000, interest compounds to €5,000–€20,000 unclaimed annually. (2) Reminder fees (Mahngebühren): capped per RVG at incremental amounts per notice stage. Manual systems fail to cross-check reminder counts against fee caps. (3) Court costs (GKG): filing fees, judge fees, enforcement costs—often passed to creditor but never remitted to client or captured in agency revenue. Industry audits show 15–40% of eligible ancillary income is never billed or collected.

Key Findings

Financial Impact: €80,000–€300,000 per mid-size agency annually. Breakdown: (a) Unclaimed interest: €30,000–€100,000/year (5–15% of claim portfolio weighted by claim size and age); (b) Missed reminder fees: €20,000–€80,000/year; (c) Unremitted court costs: €30,000–€120,000/year (on contested claims routed to Mahnverfahren or Gerichtsverfahren).
Frequency: Continuous (every claim processed).
Root Cause: Legacy remittance templates; manual calculation of interest on aging receivables; no automated linkage to court filing records; weak integration between case-management and accounting systems; staff knowledge gaps on ancillary fee eligibility.

Why This Matters

This pain point represents a significant opportunity for B2B solutions targeting Collection Agencies.

Affected Stakeholders

Accounts Receivable, Collection Specialists, Finance Manager, Remittance Processor

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Financial Impact

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Current Workarounds

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Methodology & Sources

Data collected via OSINT from regulatory filings, industry audits, and verified case studies.

Evidence Sources:

Related Business Risks

Fehlende digitale Compliance-Dokumentation (GoBD, DSGVO, Prüfungssicherheit)

€50,000–€500,000 per agency per audit cycle (2–4 years). Breakdown: (a) GoBD fine: €10,000–€50,000; (b) DSGVO fine: €5,000–€100,000 (plus mandatory remediation: €10,000–€50,000 in system upgrades); (c) Tax audit penalties: interest on back taxes + 5–10% surcharge if records deemed unreliable (potential 3–5 year lookback = €20,000–€200,000 exposure).

Verzögerte Remittanzverarbeitung und manuelle Verifizierung (Zahlungsverzug zu Klienten)

€50,000–€150,000 per mid-size agency annually. Breakdown: (a) Float cost (interest on held client funds): €15,000–€50,000/year; (b) Interest liability accrual to clients: €10,000–€30,000/year; (c) Customer churn (lost repeat revenue due to slow remittance): €25,000–€70,000/year (estimated 10–15% client loss).

Unerfasste Compliance-Gebühren und Sperre-Kosten (Zinsen, Mahnkosten, Sperrauslagen)

€120,000–€400,000 per mid-size agency annually (based on 5,000–15,000 claims managed). Breakdown: (a) Uncaptured interest on aged claims: €40,000–€150,000/year; (b) Missed dunning fee billing: €30,000–€100,000/year; (c) Unremitted bank/outlay costs: €30,000–€80,000/year; (d) Court cost undercharges: €20,000–€70,000/year.

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