AFAIK, the only way to be able to be a legally-enforceable loan giver is to register with the Financial Regulator.
This costs EUR1000 a year.
What else do you have to do to be permitted to provide legally-enforceable credit?
Do you have to charge a certain minimum amount of interest over and above the ECB base?
Do you have to keep specific records of your clients and their repayments? (That's reasonable, though if the FR demands a certain format, that'd be good to know too)
Does the FR specify that you must keep X amount of money in your bad debt provision?
This costs EUR1000 a year.
What else do you have to do to be permitted to provide legally-enforceable credit?
Do you have to charge a certain minimum amount of interest over and above the ECB base?
Do you have to keep specific records of your clients and their repayments? (That's reasonable, though if the FR demands a certain format, that'd be good to know too)
Does the FR specify that you must keep X amount of money in your bad debt provision?