The Complete Guide to Danish Rykkerprocedure under Renteloven

Danish Renteloven §9a regulates the rykkergebyr (reminder fee). You may charge a maximum of DKK 100 per reminder, up to 3 paid reminders per invoice, with at least 10 days between each. Renteloven §9b regulates morarente (late interest) — calculated as Nationalbanken's lending rate plus 8 percentage points, distributed daily from the due date. For B2B invoices, the EU Late Payment Directive (implemented via §9a stk. 3) grants a fixed kompensationsbeløb of DKK 310 per overdue invoice, applied once. These limits are hardcoded by law — you cannot charge more, even if your customer agrees in writing. Sitenyx enforces all three caps automatically in every rykker and fee calculation.

A standard Danish reminder procedure follows 3 paid rykkere. Day 15 after due date: send the 1st rykker with DKK 100 fee and morarente accrual. Day 25: send the 2nd rykker with another DKK 100 fee. Day 35: send the 3rd rykker with the final DKK 100 fee. You may send a 'friendly reminder' before day 15 with no fee — this is a good practice to preserve the customer relationship. After the 3rd rykker, the next step is the legally mandatory inkassovarsel — NOT another rykker. Sitenyx workflows handle this escalation automatically and block attempts to exceed the 3-reminder limit.

For every overdue B2B invoice, you can add a fixed compensation fee of DKK 310, regardless of invoice size. This is NOT a rykkergebyr — it's separate and stacks on top. To claim it, the customer must be a registered business (verified via CVR number), and the fee applies once per invoice even if multiple rykkere are sent. Sitenyx requires a valid CVR on the debtor record before the fee can be applied, which prevents accidental application to a private person. For B2C (consumer) invoices, kompensationsbeløb is explicitly prohibited.

Many Danish businesses get morarente wrong. The correct rate is Nationalbanken's lending rate + 8 percentage points per year, but it's calculated DAILY, not monthly. The formula: Remainder × (UDL + 8%) / 365 per day, starting from the due date. If the lending rate changes mid-period, you apply the new rate from the effective date. Sitenyx fetches the Nationalbanken rate daily via an official API and creates one FeeEntry per day, per overdue invoice, so the accumulated interest is always exact and auditable.

Before forwarding a case to inkasso, Inkassoloven §10 requires you to send a formal inkassovarsel with a minimum 10-day payment deadline. The notice must contain 10 mandatory fields: creditor name/address, debtor name/address, invoice reference, amount owed, due date, legal basis, payment instructions, consequences of non-payment, a statement that the case will be sent to inkasso, and the exact deadline. If even one field is missing, the inkassovarsel is legally invalid and inkasso cannot proceed. Sitenyx generates the notice with holiday-adjusted deadlines (weekends and Danish public holidays extend the deadline) and stores a full audit trail.