Leasing without BKR listing
The BKR helps companies determine whether you are entering into a financial obligation that is too heavy that could get you and the company into trouble. Almost all lease companies register you with the BKR when entering into a lease agreement. This can affect your ability to take out new credit, for example taking out a loan, mortgage or telephone subscription. The lease contract is seen as a kind of personal loan. We do things differently at Bedrijfswagenleasing. When you conclude a lease, you are not registered with the BKR.
Which commercial vehicle do you choose?
Discover the wide range of Commercial Vehicle Leasing per lease form:
What is a BKR registration?
A BKR registration keeps track of how many loans you have and whether you have paid on time. If you want to take out a new loan, companies can request this information from the BKR. Many fellow leasing companies carry out a financial check before they conclude the lease contract with you. When you have a negative BKR registration, you often do not get through the check.
Benefits of Operational Lease without BKR registration
✔️ No impact on creditworthiness: Because there is no BKR registration, your credit profile remains free of lease listings. This can be useful if you want to apply for a loan or mortgage in the future.
✔️ Fixed costs and no unexpected expenses: Operational leasing offers all-in monthly payments (including maintenance, insurance and road tax), which ensures financial predictability without unexpected costs.
✔️ No balance weighting: The car remains the property of the leasing company, so it does not appear on your balance sheet. This can improve your financial ratios and strengthen your creditworthiness.
✔️ End of lease period without sales risk: Because the car is not your property, you do not bear any residual value risk. The leasing company takes the car back at the end of the contract, which provides extra convenience.
✔️ Quick and easy application: Without a BKR check, the application process is often quicker and easier, which means that you have faster access to your lease car.
Benefits of Financial Lease without BKR registration
✔️ No limitation on loan space: you retain full scope for future loans or credit options without a lease contract affecting your creditworthiness.
✔️ Ownership of the car: With financial lease you become the owner of the car at the end of the lease period. This means that you can still invest in a car that you own without affecting your BKR.
✔️ Tax benefits: Monthly interest costs and depreciation are often tax deductible, and you may be able to take advantage of investment deductions such as the Small-Scale Investment Deduction (KIA).
✔️ Retention of the car's value: Because you become the owner, you retain the residual value of the car at the end of the lease period, which can be advantageous if you want to continue using the car or sell it.
✔️ Flexible adaptation to business needs: Financial lease without BKR registration can often be flexibly tailored to your specific business situation, with options for different terms and repayment structures.
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Why is no BKR registration done?
At Commercial Vehicle Leasing, we assess you on the basis of confidence in your company. We believe that you as an entrepreneur can properly assess whether you can meet your payment obligations. Together with you, we look at the possibilities of concluding a lease contract, because after all you cannot do business without a company car. Our advisers therefore look at the most attractive option for each situation.
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How does a BKR registration work?
A BKR registration keeps track of how many loans you have and whether you have paid on time. If you want to take out a new loan, companies can request this information from the BKR. This helps companies determine if you are making an overly heavy financial commitment that could put you and the company in trouble. If you always meet your agreements, the BKR registration is positive. If you have not fulfilled your financial obligations for a longer period, a negative registration with the BKR may follow. In a number of cases, this negative registration can have an impact on your ability to take out new loans. Consider, for example, taking out a mortgage.