Ethics and Deontology

Ethical debt collection: with respect for everyone

At TCM Belgium, we believe that true success begins with mutual respect and clear, honest communication — not only towards our clients, but also towards the debtors we approach.

We are fully committed to an ethical and human approach, striving for a balance between financial reality and social responsibility.

In line with societal recommendations

Our way of working is aligned with the recommendations from the report “Poverty and Justice (2022)” by the FPS Justice and the PPS Social Integration.

The report advocates, among other things, for a more empathetic and thoughtful approach to amicable debt collection — and questions the role of the bailiff in this process.

Quality and integrity: certified and supervised

We are members of several organizations that strictly monitor the ethical quality and execution of debt collection services:

ABR-BVI (Belgische Vereniging van Incassobedrijven)

TCM Belgium has been a member for over 20 years and strictly adheres to the code of ethics. This code includes, among other things, rules on privacy protection, aligned with European GDPR legislation.

FENCA (Federatie van Europese Incasso-organisaties)

The ABR-BVI is affiliated with FENCA, which oversees the ethical conduct of debt collection companies throughout Europe.

ACA (The Association of Credit and Collection Professionals)

TCM Belgium is also a member of the ACA, the American equivalent of ABR-BVI and FENCA.

TCM Group

TCM Belgium is also a member of the ACA, the American equivalent of ABR-BVI and FENCA.

A question or comment?

Do you have a question or would you like to raise a concern about how we operate?

Mail ons via compliance@tcm.be of vul ons contactformulier in.

Be sure to include your TCM file reference (“xxx/xxxx/xxxxx”) for smooth follow-up.

We are always open to feedback and strive for a transparent collaboration — with respect for everyone’s position.

testimonials

Don't take our word for it. Read what our customers say about us.

Klanten van scholen worden met respect benaderd

We note that, in addition to the relatively modest cost charged by TCM, this sensitive matter is handled in a serious manner, the clients of our schools are treated with great respect, and the method followed leads to a high degree of success.

Aartsbisdom Mechelen-Brussel

De outsourcing van onbetaalde facturen gebeurt automatisch

“Just as we take on the entire payroll of our customers, TCM Belgium does the same regarding unpaid invoices. We don’t have to pressure our customers ourselves, and the unpaid invoices automatically go from the bookkeeper to TCM. And this outsourcing ensures that we have a very efficient collaboration with TCM, especially since our unpaid invoices often involve small amounts. Also the possibility of having amicable visits, where the debtor can pay via the payment terminal, are definitely an added value.”

Johny

LWB

TCM werkt duidelijk, innovatief en gebruiksvriendelijk

“We are very satisfied. It’s also very convenient that we can choose which clients we send to you; we’re not obliged to forward everything. TCM accepts the clients we want to pass on, and of course, you receive the most difficult cases. But well, every service has its price, and I believe we’re getting value for money by working with you. That’s why we’ve already recommended your services to the people around us.”

Hugues Dhaeyer

Powerdale