Debt Collection & Compliance · AI Tool

Mizan — Compliant Debt-Collection Network

Compliant collection, while preserving the human touch.

One platform that brings creditor, collection agency and debtor together, from an outstanding invoice to a fitting, legally vetted solution. The law sits upstream in every step, intelligent analysis helps along the way, and the human decides.

Active Law built in, upstream · explainable payment score · beslagvrije voet safeguarded · the human decides

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Law built in, upstream in every action The human decides, always Sealed, traceable audit trail An EU AI Act dossier per function

Please note: all names, email addresses, amounts and case data in the screenshots on this page are fictitious and serve for illustration only. They cannot be traced to any existing person or organisation.

Logging in · How Mizan begins

Mizan—The debt-collection network for debtors

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Quality is our name, the law and the moat

The operational cockpit · everything at a glance

The operational cockpit: the health of the whole portfolio, the case files that need attention and the early signals

Act I · The problem you recognise

Debt collection is human work under pressure

An outstanding bill has to be collected, but within the law, and without needlessly damaging the relationship with the customer. In practice that often happens with disconnected systems, spreadsheets and manual work. It takes time, it is error-prone, and the person behind the debt easily slips out of view. A single misstep can render an entire claim unlawful.

Strict & shiftingthe fee scale, the beslagvrije voet, the veertiendagenbrief, the WKI: one misstep renders a claim unlawful

Fragmentedclaims, payments, contact moments and documents sit in disconnected systems, with no coherence

The person out of viewstandard letters take no account of who does want to pay, but simply cannot right now

After the factproving that work was done properly and by the rules is often manual work after the fact

Why disconnected tools and old approaches fall short

Disconnected systems do not talk to each other, so no one sees the whole picture. Compliance sits after the fact, in checks and reports, instead of upstream in every action. Intelligent analysis is missing, or is a black box no one can explain. And the three parties work past one another, even though they share the same interest: getting the bill resolved.

Mizan brings it together in one platform, with the law built into every step.

Act II · What is Mizan

One compliant debt-collection network, from invoice to solution

Mizan is one platform on which an outstanding claim travels its whole journey: from reminder and payment plan to, where it must, the judicial route, and where it is better, a humane pause. Creditor, collection agency and debtor work in the same environment, with shared, intelligent analysis and with the law built into every step. Regulators, municipalities and debt-counselling services can build on transparent, auditable case files.

What it gives you: faster, cleaner collection, less risk, and regard for the human touch.

The common thread: the platform does not decide

Mizan calculates, flags and proposes. A human always keeps control over the steps that truly matter. What Mizan deliberately is not: no blacklist and no shadow register, never postcode, neighbourhood, origin, gender or age as a predictor, no machine that decides for itself, and no revenue model on the back of the debtor. What the debtor pays remains exactly the statutory scale.

A fixed place for every function

On the left is the menu, ordered into logical groups: the Workbench (the overview, your case files and KAM), Intelligence & Compliance (the intelligent and legal modules), Oversight (the auditable case files) and Settings. This way you find every function in a fixed, predictable place, and never have to search.

What it gives you: an environment you understand at once, from day one.

The main menu, ordered from the daily workbench to oversight and settings

The law always in view

At the top you switch between organisations, search a case file, debtor or claim in an instant, and see on the left a continuous compliance indicator showing whether everything is within the law. On the right you find the theme, your notifications and your account. Compliance runs visibly alongside you, not as a check after the fact.

What it gives you: certainty that you are working within the lines, at every moment.

The top bar: organisation selector, search, the continuous compliance indicator, theme, notifications and account

Act III · KAM, the beating heart

KAM: your knowledge and analysis assistant

KAM stands for Knowledge and Analysis Module. It is the platform's assistant: a place where you can ask questions in plain language about your case files, about debt-collection law and about how Mizan works, down to button level. KAM understands your own situation and the platform itself, and in doing so looks only within your own organisation. KAM works with your own language-model key; as long as that is not yet connected, the system is honest about it and invents nothing.

What it gives you: an answer grounded in your own data, not in guesswork.

Four entry points, one assistant

KAM brings together the chat, a training module in which you add your own knowledge, a memory you manage and the network. Your own guidelines and working methods teach KAM to know your practice, and if the memory is still empty, KAM says so honestly instead of inventing an answer.

KAM, the knowledge and analysis assistant, with the entry points to the chat, the training module, the memory and the network

KAM from the inside

Three tools that together form the assistant: a chat grounded in your own data, a training module in which your knowledge forms the basis, and a memory you can export and import. Swipe through them, or tap a part.

The KAM chat: asking questions in plain language, with starter suggestions — Chat — Ask questions in plain language, with starter suggestions such as "what should a veertiendagenbrief contain?" or "how do I create a new case file?". Answers are grounded in your own data and in the platform.

The training module: adding your own knowledge as text or document, optionally with a validity date — Training module — Add your own knowledge, as text or document, optionally with a validity date. This way KAM learns from your own guidelines and working methods.

The memory: all stored knowledge in one place, honestly empty as long as nothing has been entered — Memory — All stored knowledge in one place, with export and import. If it is still empty, KAM says so honestly, instead of inventing an answer.

Act IV · The workbench: your case files

All your cases, in one overview

The case list brings all your cases together. You filter in an instant by phase (new, amicable, arrangement, judicial, enforcement or paid), search by debtor or reference, and see on each row the status, the risk, the payment likelihood and the outstanding amount. One click on a row opens the full case file.

What it gives you: seeing at once which case file needs attention, without searching.

The case list: filtering by phase, searching, and for each case file immediately the status, risk, payment likelihood and outstanding amount

Adding a case file, one by one or in bulk

You add a new case file manually, with reference, amount, debtor and due date, or you import an entire debtor list in one go via a CSV file. This way a single claim or a complete portfolio is ready in seconds.

What it gives you: from a single invoice to an entire debtor list, entered effortlessly.

Adding a case file: manually or via a CSV import of an entire list

A case file from the inside

Open a case file and you land on a workbench with tabs. Each tab tells part of the story of that one claim: from the overview with the explainable payment score to the cost engine, the communication, the judicial route and the immutable timeline. Swipe through the tabs below, or tap one. These are real screens; the data in them is fictitious.

The Overview tab: finances, an explainable payment score, the recommended next step, a feasible payment plan and the route to debt respite — Overview — One case file, everything together: the finances, an explainable payment score, the recommended next step, a feasible payment plan within their means and the humane route to debt respite.

The Costs and compliance tab: the cost engine calculates the statutory collection fees from the degressive scale; booking is possible only through the compliance gate — Costs & compliance — The cost engine calculates the statutory collection fees directly from current law and the degressive scale. You see exactly which amount is permitted and why. Booking costs is possible only through the compliance gate, and the mandatory veertiendagenbrief is safeguarded.

The Explanation and communication tab: explanation in plain language with source citation, multilingual communication, a B1 rewriter and a personal debt cockpit for the debtor — Explanation & communication — Every automated step is explained in plain language, with the source alongside. Compose a message in the debtor's native language, rewrite it automatically to language level B1, and give the debtor a secure link to their own debt cockpit, where they can propose an arrangement or contest it with reasons.

The Judicial and enforcement tab: litigation odds with caveats, a traceable production file, an attachment calculation within the beslagvrije voet and a co-pilot looking on — Judicial & enforcement — Where the amicable route does not suffice, this tab brings the judicial side into view: litigation odds with honest caveats, a production file traceable to the immutable case file, and an attachment calculation that never breaches the beslagvrije voet. The system calculates and proposes, the human decides and signs.

The Self-driving tab: autonomous handling per case file, through exactly the same legal gates as a member of staff — Self-driving — For each case file you can deploy autonomous handling for straightforward cases. The pipeline uses exactly the same legal gates as a member of staff; there is no shortcut. And the machine always stops when in doubt.

The International tab: the cross-border navigator selects the right European procedure based on the actual regulations — International — If the debtor lives abroad, the cross-border navigator points to the right European route, from the European Payment Order to the Small Claims Procedure, based on the actual regulations.

The Timeline tab: the full, immutable history of the case file, which feeds the recommended next step — Timeline — The full, immutable history of the case file: every letter, every payment and every contact moment. Notes from contact moments are weighed into the recommended next step, so that a commitment or dispute is not lost.

The Current-account tab: all entries and the balance, with advice that is always traceable back to the case file — Current account — An ordered overview of all entries and the balance. Advice never arises without substantiation, and is always traceable back to the case file.

The Documents tab: evidence kept securely and separately per organisation, and recorded in the immutable chain — Documents — Documents and evidence are kept securely and separately per organisation, and every upload is recorded in the immutable chain. Once document recognition is connected, Mizan reads scans automatically and recognises, for example, signs of debt restructuring.

Act V · Mizan in practice

From an outstanding invoice to a feasible arrangement

Suppose a bill has been outstanding too long. On the overview the case file stands out as "attention needed", with a payment likelihood and a risk label. You open the case file. Mizan shows the finances, an explainable payment score and a recommended next step that fits the situation. At a low payment likelihood that is, for example, personal contact with a feasible arrangement, because that usually yields the most at the least harm. Every proposed letter is vetted in advance for plain language and for the law. You decide; Mizan carries it out neatly.

The journey of a claim, step by step

Outstanding invoice Your claim Payment score & risk Contact moments

Recommended next stepwithin the law, with regard for the debtor's means

Fitting solutiona feasible arrangement, payment, or humane debt respite

1. The recommended next step looks ahead

The recommended next step looks ahead to what yields the most in the long term, within the legal limits. At a low payment likelihood that is often personal contact with a feasible arrangement, because that usually yields the most at the least harm. Mizan proposes and never decides on its own.

The recommended next step looks ahead to what yields the most in the long term, within the legal limits, and never decides on its own

2. Pausing humanely on problem debt

Not every debt should be pushed through. Where Mizan recognises signs that someone is willing but unable, for instance when repayment is clearly out of proportion to what someone can bear, the platform offers the humane route: debt respite. It pauses collection, preserves the claim in full, and opens the warm handover to the municipality or debt counselling. The de-escalation co-pilot may only calm, inform, slow down and refer, and can technically never escalate.

The de-escalation co-pilot may only calm, inform, slow down and refer, and can technically never escalate

3. Looking ahead and simulating before you act

Before you release a strategy on your whole portfolio, you can first run the numbers. What does a softer or a stricter approach yield, and what does it cost in damaged relationships? You can also simply ask your portfolio a question in plain language. The simulation is entirely read-only: not a single case file is changed.

What it gives you: seeing the consequences before you act, without risk.

Analysis and simulation: run the numbers on a strategy before you execute it, without changing a case file, and see where the risks lie

Act VI · Responsible, secure and auditable

Trust is not a promise, but something you can verify

Mizan's intelligent functions calculate, flag and propose. They do not decide. Far-reaching steps remain human work, and every model is explainable: you see the reasoning, not a black box. Sensitive characteristics are never used as a predictor, and the system itself measures whether groups are treated fairly. Where a function is still waiting for an external approval or a connection, Mizan says so, instead of showing a false "green".

The compliance core enforces the law upstream

The fee scale, a plain-language test and the beslagvrije voet sit as a gate in every action. Not as a check after the fact, but as a precondition: an action that would breach the law simply cannot be taken.

What it gives you: unlawful steps are made impossible, not repaired after the fact.

The compliance core enforces the law upstream: the fee scale, a plain-language test and the beslagvrije voet sit as a gate in every action

EU AI Act: transparency and oversight as a designed core

For the EU AI Act, Mizan delivers a sealed dossier per function on the core articles. The promise is always the same: Mizan calculates and proposes, the human decides.

Art. 13 · Transparency	Every automated step is explained in plain language, with the source alongside, so that you and the debtor see how an assessment came about.
Art. 14 · Human oversight	Mizan calculates and proposes; the human decides and signs. Self-driving runs through the same legal gates as a member of staff and always stops when in doubt.
Art. 10 · Data quality & governance	Data minimisation, strict separation per organisation and encrypted storage of personal data.
Art. 15 · Accuracy & robustness	Models show their uncertainty and abstain when there is too little evidence. False-green prohibition: "compliant" is never true if a source is missing or a safeguard has been breached.
Fairness & non-discrimination	Sensitive characteristics are never used as a predictor, and the system itself measures whether groups are treated fairly. No blacklist.
Audit & traceability	A sealed, signed audit trail, independently verifiable with only the public key.

A sealed dossier per function

For the EU AI Act, Mizan delivers a sealed dossier per function on the core articles, with a prohibition on false "green". This way, for every intelligent function it is set out in black and white which article is engaged, how it is met, and where the limit lies.

What it gives you: compliance you can read off, not compliance you have to take on trust.

The EU AI Act dossier: a sealed dossier per function on the core articles, with a prohibition on false green

Auditable oversight, at one button

At one button, Mizan creates a complete, time-stamped quality dossier, including an honesty audit that simply names a problem instead of hiding it. And for the EU AI Act it delivers a sealed dossier per function on the core articles.

What it gives you: accountability that is ready and waiting, not accountability you have to reconstruct after the fact.

The oversight and ethics window: at one button a complete, sealed quality dossier, including an honesty audit that simply names a problem

You do not have to take Mizan at its word

The oversight cockpit is independently verifiable: each block carries a signature you can recompute yourself in the browser, with only the public key. If the signature checks out, the content is demonstrably unchanged since signing. Sealed and traceable, verifiable instead of merely promised.

The attestable oversight cockpit: each block is signed and independently verifiable, with only the public key

Why Mizan, an honest comparison

Feature	Mizan	Standalone collection system	Black-box AI
Law enforced upstream (scale, veertiendagenbrief, beslagvrije voet)	✓ Yes	⚠ After the fact	✗ No
Explainable advice with source	✓ Yes	⚠ Limited	✗ No
Beslagvrije voet never exceeded	✓ Yes	✗ Manual	✗ No
Humane route: debt respite & warm handover	✓ Yes	✗ No	✗ No
Sealed, independently verifiable audit trail	✓ Yes	⚠ Log file	✗ No
Three parties on one network (creditor, collection, debtor)	✓ Yes	✗ No	✗ No
No sensitive characteristics, no blacklist	✓ Yes	⚠ Variable	✗ Opaque
Human decides on far-reaching steps	✓ Yes	⚠ Partly	✗ No

Act VII · The platform in view

A tour of the remaining modules

Every screen is real and working; the data in them is fictitious. Where a module is still waiting for a connection or an external approval, the platform is honest about it. Swipe through the modules, or tap one.

The network effect

Network intelligence learns from every completed case; if a model is still insufficiently substantiated, the system shows that itself — Network intelligence — Learns from every completed case in the network. If a model is still insufficiently substantiated, the system shows that itself, instead of hiding it.

On the negotiation floor Mizan is the referee between parties, not a negotiator; an arrangement never becomes automatically binding — Negotiation floor — Mizan is the referee between the creditor's and debtor's agents, not a negotiating party. Mizan bounds arrangements to what is feasible and lawful; an arrangement never becomes automatically binding.

Marketplace — On the work-mandate marketplace agencies bid for work and compete on verified reputation, not on empty claims.

Autonomy — Self-driving for the whole portfolio, with hard limits: the machine always stops at a dispute, inability to pay, an ongoing arrangement or the route to court.

Network dividend — Those who contribute to the shared model get it back as credit, solely in the billing and never at the debtor's expense.

The network benchmark compares your performance fairly with the network; it is built and tested, but deliberately waits for an external legal approval before any figures are released — Benchmark — Compares your performance fairly with the network. It is built and tested, but deliberately waits for an external legal approval before any figures are released.

Compliance, money & platform

Payments & third-party funds — Payments are carefully reconciled and the legally required separation of third-party funds is safeguarded; nothing is quietly misposted.

Billing and subscription; the revenue model never touches the debtor, who pays exactly the statutory scale — Billing — Billing and subscription. The revenue model never touches the debtor; they pay exactly the statutory scale.

Partner integrations — Compliant dunning as a service: partners can send reminders via a secure connection, through exactly the same legal gates as in the app.

Rules pipeline — Every case file is tested against today's law and against forthcoming law, with a demonstrable transition as soon as new rules take effect.

An audit office for social impact, measured against a control group; with too little data the engine abstains, instead of guessing — Social-impact P&L — An audit office for social impact, measured against a control group. With too little data the engine abstains, instead of guessing.

WIK/BIK standard — Mizan publishes a public, version-controlled test set for the cost calculation and demonstrably shows that it meets that standard itself.

One case, multiple legal orders; a corridor goes live only after a local lawyer has signed off the translation into local law — Corridors — One case, multiple legal orders. A cross-border corridor goes live only after a local lawyer has signed off the translation into local law.

3 partiescreditor, collection agency and debtor on one network

Law upstreamfee scale, veertiendagenbrief and beslagvrije voet as a gate in every action

Human decidesfar-reaching steps remain human work, every step traceable

EU AI Acta sealed, independently verifiable dossier per function

Who is Mizan for?

Creditors who want their invoices paid promptly and cleanly, while preserving the customer relationship. Collection agencies and bailiffs who want to work efficiently and demonstrably by the rules. Debtors, who receive clear, fair treatment and a feasible path to a solution. And regulators, municipalities and debt-counselling services, who can build on transparent, auditable case files.

Frequently asked questions

Does Mizan decide about people itself?

No. Mizan calculates, flags and proposes; the human decides. Far-reaching steps remain human work. Autonomous handling (self-driving) runs through exactly the same legal gates as a member of staff, has no shortcut, and always stops when in doubt.

How does everything stay within the law?

The law sits upstream as a gate in every action: the degressive fee scale, the mandatory veertiendagenbrief for consumers and the beslagvrije voet are enforced before a step can be taken. Booking costs is possible only through the compliance gate. An action that would breach the law simply cannot happen.

What happens with vulnerable debtors?

If Mizan recognises signs that someone is willing but unable, it offers the humane route: debt respite. It pauses collection, preserves the claim in full, and opens the warm handover to the municipality or debt counselling. The de-escalation co-pilot may only calm, inform, slow down and refer, and can technically never escalate.

Is the AI a black box?

No. Every model is explainable, with the source alongside. Mizan never uses postcode, neighbourhood, origin, gender or age as a predictor, and keeps no blacklist. Where a model is still insufficiently substantiated, the system shows that itself, instead of showing a false "green".

Can we verify the oversight?

Yes. At one button Mizan creates a complete, time-stamped quality dossier, and a sealed EU AI Act dossier per function. Each block carries a signature you can recompute yourself in the browser, with only the public key. If the signature checks out, the content is demonstrably unchanged.

What does it cost the debtor?

Exactly the statutory scale, no more. Mizan's revenue model never touches the debtor; it runs through the billing and subscription on the client's side.

Ready to collect compliantly, while preserving the human touch?

Mizan is not a promise for the future. It is a working platform that carries an outstanding claim along the law to a fitting solution, with you at the helm. We would be glad to show it to you for real, with your own practice as the starting point: a personal demonstration, an exploration of how it fits your current way of working, and a conversation about a careful, phased rollout.

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