Solid Score
The Solid Score© is a tool developed by Modero that assesses the financial capacity of customers. This quickly makes it clear who can pay, who needs guidance and which approach is proportional. Modero has been using this method since 2016, and has since refined it into a permanent practice in every recovery file. Since 1 October 2024, a prior solvency investigation has been mandatory for all Belgian bailiffs in the judicial phase of a recovery process. Because Modero has been using this approach since 2016, today we have extensive experience and a sophisticated methodology that we now apply in every phase of our operation.
What does the SOLID score solve?
Every customer is different. So does every claim. The trajectory of your file is determined depending on your assignment and the customer's profile. Everything starts with the unambiguous identification of the customer. Once we have the identity have determined, we are investigating the financial capacity or solvency. To this end, Modero developed the Solid score where, based on a thoughtful consideration of a large number of criteria, we consider payment behavior, which leads to an even better cost-efficiency. When we can proactively determine which group a particular customer belongs to, we can tailor our journey accordingly and find even faster, more personal solutions.
Before taking a new step in a certain process, the Solid score is determined again. This way, we ensure that we take the most appropriate action every time. The Solid score is also useful at the start of the chain when you or your client must decide whether or not to work with a party.
With this Solid score, we are able to better assess the recovery and payment options for your files, so that identity problems or other inabilities such as CSR or bankruptcy can be detected more quickly and the client's costs can be reduced.
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Mediation
At Modero, mediation is an essential part of our mission. The bailiff acts as a mediator and bridge builder between client and customer. If a customer is temporarily unable to pay, we will look for feasible solutions together. Repayment plans or deferrals give the debtor the opportunity to fulfill his obligations without escalating financial problems. For you as a client, this means greater security of full reimbursement within a reasonable period of time. We continuously invest in specialized teams and training in communication and conflict mediation. That pays off: 90% of the cases are resolved amicably, without unnecessary procedures, subpoenas or costs. We do not place the file, but the customer first and thus avoid unnecessary steps. In addition, Modero developed structurally anchored solutions to fill identified gaps in practice.
Digital power, made human
Modero's internal ICT service is the technological engine behind our operations. With self-developed, innovative software, we have laid the foundation for a progressive collection approach over the years. Thanks to innovative software and modern data synchronization, every file is always up to date, no matter which employee follows it up. All changes are registered centrally and can be viewed transparently via a web application, where you can view them online and request personalized reports. For clients with a large number of files, we ensure a quick, automated start-up. In addition, we advise on integrated customer management solutions, where smart automation and reliability are key. From invoice to reminder, from payment processing to amicable or judicial recovery: our system simplifies your administration and increases efficiency. This way, you always keep an overview, with one fixed point of contact and an efficient, cost-efficient process.
One integrated, end-to-end approach
Modero applies an end-to-end approach to all cases, where we monitor the entire file process integrally and in a targeted manner. From preventive communication and the first invitation to pay, to a reminder, mediation and guidance, facilitative solution, court notice of default or procedure — all steps take place within one integrated system, so that we avoid fragmentation and unnecessary costs and guarantee a faster turnaround time. Did your debtor move abroad or are geographical factors making recovery difficult? Discover how Modero International assists you in cross-border cases. In the event of bankruptcies or collective debt settlements, we ensure that your rights are optimally protected. We file a report with the trustee in time or work closely with the debt mediator to defend your claim. This way, you are assured of consistent follow-up, regardless of the situation.
Clear communication
At Modero, we want to understand why someone is unable or unwilling to pay and tailor our approach accordingly. That is why we consciously opt for a hybrid approach: We combine digital channels with personal contact: clear letters, texts and emails, extensive telephone accessibility and conversations at our more than 40 counters or during site visits. With this hybrid strategy — digital where possible, classic where necessary — we ensure that no one falls by the wayside and our services remain accessible to everyone. Discover Modero's innovative communication tools, such as KIWI or MEMO!
Legal expertise
At Modero, you can rely on more than 25 years of legal experience. That is why we approach each file in an integrated way, with an eye for the full context and taking into account the entire recovery process. This results in a uniform approach with unique cost efficiency: each subsequent step is carefully considered and supported by a solvency assessment. That is customization instead of band work.
Solid score
In 2015, Modero developed the Solid Score, a solvency assessment that assesses a customer's financial situation based on data and practical experience. This ensures an efficient and fair approach with the aim of avoiding unnecessary costs and procedures. The Solid score maps out your customer's financial capacity, from the start and at every possible next step in the process. This way, we get a realistic picture of the feasibility of your claim and develop a customized approach. Learn more about the Solid Score here.
How does the Solid Score work?
The calculation of the SOLID score is based on a combination of data knowledge and human practical experience and expertise.
- File data and official databases: Modero has an extensive network of files, which allows you to make a prediction of the customer's solvency based on previous recovery processes, payment behavior and similar files. In addition, access to official databases — provided they are properly titled — provides crucial information about ownership, family structure and ongoing measures, among other things.
- The practical experience of bailiffs, including site visits. This is the proverbial test to the sum that confirms or does not confirm the accuracy of the Solid score and thus allows you to make adjustments if necessary.
Two principles underpin the SOLID score
- Proportionality as a starting point: the chosen approach is tailored to both the customer's financial capacity and the amount that must be collected.
- Approach tailored to the situation: the Solid score guides the solution process. Those who have little or no repayment capacity, temporarily or structurally, must be helped in a different way than those who can repay. That is why, with each new step in a file, the score is also recalculated, so that the chosen approach always remains up to date, proportional and achievable.
Benefits of the Solid Score
- Time-efficient determination of the right process: payment, mediation or break.
- Avoiding pointless procedures and additional costs.
- Tailored approach.
- Protecting vulnerable customers
Related Questions and Answers
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Solid Score
The Solid Score© is a tool developed by Modero that assesses the financial capacity of customers.
