Write a formal notice

A letter from creditor to debtor for an unpaid sum, the step before court. With the rules for consumers (Book XIX Code of Economic Law), businesses (Late Payment Act of 2 August 2002) and general civil law. Everything stays in your browser.

Who is the debtor?

A consumer (you are a business)Book XIX CEL: first a free reminder with at least 14 days.A business (and so are you)Act of 2 August 2002: interest by law from the due date, plus €40.Someone else (no special law)E.g. a private loan: the formal notice starts the legal interest.

Creditor (you)NameAddress

DebtorNameAddress

Street and number, postcode and town, each on a line

The claimUnpaid amount (€)

Invoice numberInvoice date

Due date

Between businesses without agreement: 30 days after receipt of the invoice (art. 4 Act of 2 August 2002).

PaymentPayment period (days)

At least 1 days.

Sent by

Registered letterE-mail

Account number (IBAN)

BIC (optional)

Interest and costsClaim interestLate-payment interest (reference rate + 8 points), from the day after the due date to today (art. 5 Act of 2 August 2002).Own rate (% a year, optional)

Leave empty for belgica's rate (10,5 % on the letter's date).

Fixed compensation of €40 (art. 6 Act of 2 August 2002)

The letterLanguage of the letter

PlaceDate of the letter and of sending

Remember in this browserKept on this device only (localStorage), never on a server. Unticking erases it.

Last day to pay

Mon, 9 November 2026

Total claimed

€40.00

Principal €0.00 + interest €0.00 + compensation €40.00

…

…, 25 oktober 2026 Aangetekend Betreft: Ingebrekestelling – factuur … van …

Geachte heer, mevrouw,

Op … verviel de betalingstermijn van onze factuur … van … voor een bedrag van € 0,00. Tot op vandaag hebben wij geen betaling ontvangen.

Wij stellen u hierbij formeel in gebreke.

Daarnaast is overeenkomstig artikel 6 van dezelfde wet een forfaitaire vergoeding voor invorderingskosten van € 40,00 verschuldigd.

Wij verzoeken u het totale bedrag van € 40,00 te betalen uiterlijk op 9 november 2026 op rekening … met vermelding van factuur …. De interest blijft lopen tot de volledige betaling.

Indien wij uw betaling niet tijdig ontvangen, zullen wij zonder verdere verwittiging gerechtelijke stappen ondernemen om de invordering te verzekeren. De kosten daarvan komen voor uw rekening.

Heeft u intussen betaald, dan mag u deze brief als zonder voorwerp beschouwen.

Met vriendelijke groeten, …

Send the letter by registered post (e.g. bpost, or a registered e-mail with receipt): you can then prove when it was sent. Keep a copy and the proof of sending.

A template, not legal advice: check the letter, the amounts and the rules for your case before sending it.

Write a formal notice

Preview of the letter