01
Debt collection
The debtor pays, sometimes through a third party, sometimes in instalments. Every payment is attached to a named origin.
Other people's money
passes through your office.
A judicial officer is an obliged entity. Debt collection, public auction, escrow: every time, funds that are not yours pass through your accounts. AML Company documents where they come from.
Check a party to the file
Parties identifiedSource of fundsCTIF reportAudit trail
Client account
Collection file · 2026-4187
PayerOrigin
- The debtorBank transfer1 250,00 €
- The debtorBank transfer1 250,00 €
- A third party to the fileTransfer from a third party4 800,00 €To be evidenced
7 300 €Collected on the fileDiligence verdictHigh
Where the money comes in
Three flows, three diligences
An office does not choose its debtors, but it answers for the funds it collects. Each of these three flows calls for a different check.
02
Public auction of movables
An unknown successful bidder, an immediate payment: identification happens at the fall of the hammer, not when the entry is booked.
03
Escrow and sequestration
The funds stay on the client account, sometimes for a long time. Their origin and their final recipient must stay documented until release.
A file, from start to finish
Diligence follows the file,
not the calendar.
A collection file wakes up months after it was opened, often through an unexpected payment. The platform picks the thread up where it was left.
Day 0File openedCreditor identified
Day 12Service on the debtorDebtor identified
Day 48First partial paymentTransfer from the debtor
Day 91Payment by a third party to the fileOrigin to be evidenced
Day 92Enhanced diligence triggeredTimestamped decision
Proportionate diligence
It is not the debt that weighs,
it is the way it is paid.
An ordinary payment and a suspicious one look alike on a statement. AML Company tells them apart by the payer, the channel and the consistency with the file.
Ordinary payment
Low- The debtor pays in person
- Transfer from an account in their name
- Amount matching the statement
Diligence
Simplified diligence
Payment to watch
Medium- Payment by a third party to the file
- Split payments close together
- Unexplained early settlement
Diligence
Standard diligence
Sensitive payment
High- Cash payment of an unusual amount
- Foreign or politically exposed payer (PEP)
- Overpayment claimed back to another account
Diligence
Enhanced due diligence (EDD)
Platform
Compliance,
at the volume of an office.
An office handles thousands of files. Every module is built so that diligence is not paid for in minutes per file.
Parties identified once
Creditor, debtor and principal are identified on the file then reused on the next ones, with their verification history.
Creditor · debtorReuseHistory
Creditor as a legal entity
When the principal is a company, its CBE record (legal form, registered office, directors, activity) feeds the file with no retyping.
CBEVAT · NACE
Tracking of payments received
Every payment carries its payer, its channel and its origin. A payment by a third party to the file surfaces immediately.
PayerSource of funds
Successful bidders at a public auction
Buyers at an auction of movables are identified at the fall of the hammer, screened and attached to the record of proceedings.
AwardSanctions · PEP
Support for the CTIF report
The elements of suspicion, the dates and the documents are gathered in a single note, retained with its audit trail.
CTIFTraceabilityTimestamping
Retention per file
Every file keeps its supporting documents and the history of its decisions, exportable in one click on the day of an inspection.
ArchivePDF exportAudit trail
A client account is not a neutral account. It stays yours.
The funds belong to the parties, the responsibility for their traceability stays with the office. AML Company documents who paid, through which channel, and why you accepted it.
What the law expects
Your duties,
kept up to date for you.
A judicial officer applies the full diligence baseline. AML Company turns it into guided steps, from opening the file to retention.
Legal basis: art. 5, §1, 27° of the Act of 18 September 2017
General information based on the Belgian framework; it is not legal advice.
- Identification and verification of the client's identity (KYC)
- Identification of the ultimate beneficial owners (UBO register)
- Assessment of money-laundering and terrorist-financing risks
- Ongoing diligence and monitoring of transactions
- Reporting suspicions to the CTIF
- Retention of the documents and appointment of an AMLCO
Frequently asked questions
Judicial officers
and anti-money laundering.
Are judicial officers obliged entities?
Yes. Judicial officers are among the obliged entities (art. 5, §1, 27° of the Act of 18 September 2017) and apply the whole set of identification, diligence and reporting duties.
Should the debtor or the creditor be identified?
Both, according to the role they play. The creditor is the office's principal; the debtor becomes a party whose payments pass through the client account. The platform tells them apart and retains both verifications.
Is a payment by a third party suspicious in itself?
No, but it deserves an explanation. A third party paying someone else's debt is a classic signal: it does not trigger a report, it triggers a question and a record of its answer.
How does a suspicious transaction report work?
The judicial officer files the report with the CTIF. The platform helps gather the elements, the dates and the supporting documents, and retains the history of decisions, which is essential in an inspection.
Get started
Bring your office into compliance.
Keep the proof.
Open a first file and watch the audit trail build itself as the funds come in. Setup and migration free for Belgian offices.