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Fraude Trend report Benelux 2026

Companies increasingly consider fraud to be a growing risk

As a fraud expert, we have conducted an annual fraud survey among companies and organizations in the Netherlands and Belgium since 2022. This survey maps how fraud has evolved over the past year and compares the findings with those from previous editions.

By analyzing different types of fraud, the financial impact incurred, and the measures taken, the survey provides an up‑to‑date view of both the resilience and the vulnerabilities of businesses in the Benelux region. Thanks to its annual repetition, emerging and new fraud trends can be identified at an early stage. In addition, the survey offers insight into organizations’ needs to better protect themselves against fraud.

Fraud Research: trends, impact and business resilience in the Benelux

Fraud remains a widespread and growing risk. As many as 89% of organizations experienced attempted fraud over the past year. Internal fraud continues to be the most common form, while external fraud is rising sharply, with invoice fraud ranking as the number one threat. Email remains the primary fraud channel.

The impact is significant: for one in three organizations, fraud had a (very) substantial financial or operational impact, sometimes resulting in losses exceeding €500,000. At the same time, complexity is increasing due to espionage, sabotage and AI‑driven fraud, which has now been identified in two‑thirds of organizations.

While many companies believe they are becoming more resilient, actual preparedness is lagging behind. Investments in prevention are barely increasing and contingency plans are increasingly absent. This highlights the importance of awareness, robust controls and the timely recognition of fraud patterns — including within organizations’ own finance teams.

Protect your business against fraud

Did your company already face one or more fraud attempts? Not yet? Then, as you can read in the report, it's just a matter of time!

With our fraud insurance, you protect your company against financial losses due to internal and external fraud. You will probably also have to incur costs to limit further damage, such as the costs of legal proceedings. Good news! In addition to financial losses, these costs are also included in our fraud insurance.

So don't wait any longer and inquire about the possibilities for your company.
Learn more about fraud insurance
cyberaanvallen

Would you like to protect your company against all forms of fraud? Then be sure to take out Allianz’s cyber insurance as well!

Technological advances are making businesses increasingly vulnerable to cyberattacks. With the cyber insurance from our parent company Allianz, you can also protect your company against cyber threats.