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Insolvency register

According to the Financial Supervision Act, also known as the Wft, financial institutions are obligated to check whether an employee has ever been declared bankrupt. The Central Insolvency Register provides insight into this data.

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Assess the reliability of financial workers

Section 4:11 of the Wft stipulates that the reliability of financial employees must be tested. The insolvency check involves a current registration in the insolvency register. If the insolvency/bankruptcy is terminated, then the person remains on it for another 6 months. After this, the registration disappears.

If a person fails to pay their bills, the court may declare them bankrupt. This happens thousands of times each year. These bankruptcies are all recorded in the public Central Insolvency Register, and this data is publicly available.

The Central Insolvency Register contains the data of all bankruptcies, suspensions of payment, and debt reorganizations of natural persons held by various courts. Via Rechtspraak.nl you can find the most recent publications of bankruptcies declared by the court.

If there has been a bankruptcy, a financial institution will have to consider whether the bankruptcy history leads to doubts about the reliability of the employee. The following issues come into play here:

  • The culpability of the bankruptcy;
  • The number of years since the bankruptcy was declared;
  • Other circumstances of the bankruptcy; and
  • The powers within the position of customer employee.

If an insolvency publication can be traced back to a candidate, a point of attention is placed in the screening report. In addition, the details of the publication(s) from the Central Insolvency Register can be read in the screening report. If there is a point of attention in the screening report, we always recommend discussing it with the (potential) employee or tenant.

 

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Why not choose to screen employees?

Too expensive

By screening your employees, you will immediately save your HR department time. Additionally, you save costs in the long run. Hiring a mis-hire involves significant costs and other risks. By knowing who you are hiring, you minimise the risks. At the end of the day, you’ll spend less money.

Creates distrust

Screening employees can actually contribute to a sense of security and trust within an organisation. When your employees know that colleagues have gone through the same screening process, you immediately create a safer and more trustworthy working environment.

Takes too long

Through our automated screening process, you will receive the screening report within five working days, and you can view the interim screening report 24/7. Thanks to our software, data partners, and integration partners, such as AFAS software, this process is streamlined and efficiently organised.

Why check the insolvency registry via DISA?

 

  • Complies with laws and regulations: To comply with the Wft as a financial institution, you need to check the reliability of your staff. Through a check of the insolvency register, you can be sure that there is no bankruptcy history that gives reason for doubt.
  • DISA takes care of it: After you have registered a (potential) employee and chosen a matching screening profile, DISA takes the work off your hands. You can then read the results back in the screening report.
  • DISA is a specialist in personnel screening: DISA is a specialist in employment screening. Through our years of experience, we offer a fast and efficient screening process that complies with current (privacy) laws and regulations.
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Screen employees with DISA

The success of an organisation depends on having the right employees. Consequently, it is important to make sure you know who you are recruiting and retaining. DISA has created different screening profiles for each sector that can be supplemented as desired. In addition to the insolvency register, there are numerous other screening checks to choose from.

View all background checks