Credit and Fraud Prevention: Protect Yourself from Forgery and False Documents
Using forged or falsified documents to obtain credit is not only risky, it is a serious criminal offense. Discover how Belgian law treats forgery and fraud, how credit brokers verify your file, and what solutions exist if you are facing financial difficulties in 2026.
Choosing transparency with a trusted broker protects you from legal consequences, protects your financial future and increases your chances of obtaining responsible and sustainable financing.
Why honesty is essential for your credit
Credit brokers are legally required to verify all documents you provide. Any attempt at forgery or fraud can:
- Block your credit application and prevent any disbursement of funds.
- Lead to legal proceedings before the criminal court.
- Compromise your access to future financing and impact your financial reputation.
Understanding Forgery, Use of Forgery and Fraud in Belgian Criminal Law
In practice, the people who produce false documents to obtain credit are often already over-indebted or in a worrying financial situation. They know that, based on their real situation, their application will likely be refused and may therefore be tempted to alter certain supporting documents. However, this behavior considerably aggravates their situation and exposes them to heavy criminal sanctions.
Criminal risks in case of forgery
- Blocking of your credit contract.
- No transfer of funds to your bank account.
- Transmission of your file to the Public Prosecutor’s Office.
- Summons before the criminal court of your judicial district.
The Credit Application: Which Documents Are Verified?
When you submit a credit application, your broker is required to collect and verify a series of official documents before any funds are released. This rigorous process protects both the lender and the borrower and ensures that the credit granted is compatible with your real financial situation.
How brokers detect false documents
Experienced brokers quickly identify inconsistencies thanks to their expertise and the cross-checking of information from multiple sources. Among the most frequent forgeries encountered are: