A Dutch court rejected a WSNP debt-relief request despite debts of almost €115,000. The applicant still met current costs and had increasing monthly payment capacity. The ruling shows that WSNP access depends on current and expected finances, not the debt total alone.
Why this matters
Founders often manage two sets of finances: company accounts and the household budget. A personal guarantee, director loan, private security, or cash put into the business can link them. A company may struggle while the founder can still pay private bills. Keep a current household record of income, rent, tax, essential costs, attachments, allowances, assets, and debt payments.
Example
The applicant listed debts of €114,950.47. More than €216,000 from a home sale had gone to the main creditor. An attachment remained on benefit income. Monthly payment capacity rose from €658 in March 2025 to €961 in June 2026. Lower housing costs and rent allowance helped. A creditor offered a six-year arrangement of €750 a month. On 20 August 2026, the court rejected the WSNP request. Current costs were being paid and further payments remained possible.
XTROVERSO tips
- Separate company and private debts. List each invoice, loan, tax debt, guarantee, and claim. Record who owes it and which assets or income could be used for payment.
- Build a monthly payment schedule. Keep the debt total separate from the monthly cash calculation. One shows what is owed. The other shows what can be paid each month.
- Refresh figures after every change. Update the record after a move, salary change, benefit decision, attachment, asset sale, or new repayment agreement.
- Record connected business risks. Match personal guarantees and director loans with the company financing file. Note which missed payment or event could trigger a private claim.
- Keep evidence with the calculation. Store creditor offers, bank records, allowance decisions, and payment receipts. Seek legal or debt-assistance advice before relying on a formal route.
Need a clear view of company debt and private exposure? We can help organize the records and questions before your next decision
The data, sourcing, and analysis behind this article were conducted by Paolo Maria Pavan. AI was not used to identify sources, build the factual basis, or produce the analytical judgment contained here. AI was used only as a drafting aid. The final English text was personally reviewed, edited, and approved by Paolo Maria Pavan before publication.
References
- Rechtbank Noord-Nederland 20 augustus 2026, ECLI:NL:RBNNE:2026:3575
- Wettenbank – Statutory WSNP admission threshold
- Rechtspraak – Comparable court signal: one debt and an affordable arrangement
- Rijksoverheid – WSNP duration versus private settlement duration
- Rijksoverheid – Rent allowance, attachment and monthly capacity
- Rijksoverheid – Debt settlement reform and creditor response pressure
- CBS – Latest national debt signal
- Rijksoverheid – Earlier intervention and municipal debt help
