CM October 2023
THE CICM MAGAZINE FOR CONSUMER AND COMMERCIAL CREDIT PROFESSIONALS
THE CICM MAGAZINE FOR CONSUMER AND COMMERCIAL CREDIT PROFESSIONALS
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CI<strong>CM</strong> GOVERNANCE<br />
President: Stephen Baister FCI<strong>CM</strong><br />
Chief Executive: Sue Chapple FCI<strong>CM</strong><br />
Executive Board: Chair Debbie Nolan FCI<strong>CM</strong>(Grad)<br />
Vice Chair: Phil Rice FCI<strong>CM</strong> / Treasurer: Glen Bullivant FCI<strong>CM</strong><br />
Larry Coltman FCI<strong>CM</strong> /Neil Jinks FCI<strong>CM</strong> / Allan Poole MCI<strong>CM</strong><br />
12<br />
FOLLOW MY<br />
LEADER<br />
34<br />
COUNTRY FOCUS<br />
Belgium is highly<br />
exposed to the<br />
performance of its<br />
main trading partners.<br />
Advisory Council: Caroline Asquith-Turnbull FCI<strong>CM</strong><br />
Laurie Beagle FCI<strong>CM</strong> / Glen Bullivant FCI<strong>CM</strong><br />
Brendan Clarkson FCI<strong>CM</strong> / Larry Coltman FCI<strong>CM</strong><br />
Peter Gent FCI<strong>CM</strong>(Grad) / Victoria Herd FCI<strong>CM</strong>(Grad)<br />
Andrew Hignett MCI<strong>CM</strong>(Grad) / Laural Jefferies FCI<strong>CM</strong><br />
Neil Jinks FCI<strong>CM</strong>/ Martin Kirby FCI<strong>CM</strong><br />
Charles Mayhew FCI<strong>CM</strong> / Hans Meijer FCI<strong>CM</strong><br />
Debbie Nolan FCI<strong>CM</strong>(Grad) / Amanda Phelan MCI<strong>CM</strong>(Grad)<br />
Allan Poole MCI<strong>CM</strong> / Phil Rice FCI<strong>CM</strong> / Phil Roberts FCI<strong>CM</strong><br />
Chris Sanders FCI<strong>CM</strong> / Paula Swain FCI<strong>CM</strong><br />
Jamie Thornton MCI<strong>CM</strong> / Mark Taylor MCI<strong>CM</strong><br />
Atul Vadher FCI<strong>CM</strong>(Grad)<br />
View our digital version online at www.cicm.com.<br />
Log on to the Members’ area, and click on the<br />
tab labelled ‘Credit Management magazine.’<br />
Credit Management is distributed to the entire<br />
UK and international CI<strong>CM</strong> membership, as well<br />
as additional subscribers.<br />
Publisher<br />
Chartered Institute of Credit Management<br />
1 Accent Park, Bakewell Road, Orton Southgate,<br />
Peterborough PE2 6XS<br />
Telephone: 01780 722900<br />
Email: editorial@cicm.com<br />
Website: www.cicm.com<br />
<strong>CM</strong>M: www.creditmanagement.org.uk<br />
Managing Editor: Sean Feast FCI<strong>CM</strong><br />
Deputy Editor: Iona Yadallee<br />
Art Editor: Andrew Morris<br />
Telephone: 01780 722910<br />
Email: andrew.morris@cicm.com<br />
Editorial Team<br />
Joe Clarkson, Rob Howard, Roshika Perera,<br />
Melanie York and Mona Yazdanparast<br />
Advertising<br />
Paul Heitzman<br />
Telephone: 01727 739 196<br />
Email: paul@centuryone.uk<br />
Printers<br />
Stephens & George Print Group<br />
<strong>2023</strong> subscriptions<br />
UK: £129 per annum<br />
International: £160 per annum<br />
Single copies: £13.00<br />
ISSN 0265-2099<br />
Reproduction in whole or part is forbidden without specific permission.<br />
Opinions expressed in this magazine do not, unless stated, reflect those<br />
of the Chartered Institute of Credit Management. The Editor reserves<br />
the right to abbreviate letters if necessary. The Institute is registered as a<br />
charity. The mark ‘Credit Management’ is a registered trade mark of the<br />
Chartered Institute of Credit Management.<br />
Any articles published relating to English law will differ from laws in Scotland and Wales.<br />
Brave | Curious | Resilient / www.cicm.com / <strong>October</strong> <strong>2023</strong> / PAGE 5
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