Fraud in 2026: hype, threat, or a new reality?

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Annual Fraud Survey – Allianz Trade Benelux

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.

Download our Fraud Trend Report

Protect your business against fraud

Take out fraud insurance

With our fraud insurance, you protect your business against financial losses caused by internal and external fraud. In many cases, additional costs are also incurred to limit further damage, such as expenses related to legal proceedings. The good news? These costs are also covered by our fraud insurance, in addition to the financial losses.

Don’t wait any longer: find out about the options available for your business today.

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