New research into the use of installment plans in Belgium
The demand for installment plans continues to increase. Whether it's energy bills, hospital bills or fines — staggered payments are gaining popularity among Belgian consumers. A good thing for those who are temporarily short on cash, but for companies, managing those plans is often a logistical and administrative challenge.
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How do Belgian organizations deal with today installment plans? What do they run into? And how can technology help make this process more efficient and more customer-friendly?
In February 2025, POM carried out an extensive market research out to organizations from various sectors, including energy companies, water companies, telecom providers, hospitals, insurers and governments. The results speak volumes.
Some remarkable insights
- 62% saw an increase in the number of installment plans
Energy and water companies in particular are experiencing this firsthand: they are currently processing tens of thousands of plans per year. The energy crisis and inflation are leaving their mark. - High costs per plan due to manual follow-up
For 1 in 5 organizations, the cost per plan rises to more than €100. The biggest pain points? Administrative burden and staff deployment. - Low collection rate at many organizations
Only one third achieves a success rate above 75%. Especially when it comes to manual follow-up, many plans go awry.
But the report also shows how things can be better — with automation, smart monitoring and a customer-focused approach.
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