{"product_id":"skuldeftergift-slutreglering-avtal-b2b-2027","title":"Debt Remission \u0026 Final Settlement B2B 2026\/2027 – Remission Agreement, Final Release \u0026 Excel | Word\/PDF","description":"\u003csection class=\"mb-product-content\"\u003e\n\u003ch2\u003eDebt forgiveness and final settlement agreement for companies – Word, PDF, and Excel\u003c\/h2\u003e\n\n\u003cp\u003eDo two companies need to document that an \u003cstrong\u003eidentified debt is being fully or partially forgiven\u003c\/strong\u003e, or that a debt shall be considered finally settled only after an agreed amount has actually been paid? This package provides separate templates for \u003cstrong\u003eimmediate debt forgiveness, conditional final settlement, claim appendix, final receipt, and audit log\u003c\/strong\u003e, with an Excel register for administrative amounts. Intended for individual Swedish B2B monetary claims.\u003c\/p\u003e\n\n\u003cdiv style=\"margin:19px 0;padding:18px 20px;border:2px solid #197887;border-radius:13px;background:#eaf6f7\"\u003e\n\n\u003ch3 style=\"margin:0 0 10px\"\u003e01. Package contents\u003c\/h3\u003e\n\n\u003cp style=\"margin:0\"\u003e\u003cstrong\u003e7 editable Word documents (DOCX), 7 corresponding searchable PDF files, and 1 Excel workbook (XLSX).\u003c\/strong\u003e A total of 15 files in ZIP format. Five Swedish working documents, one Swedish user guide, and one English user guide. 2027 edition, Swedish law.\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\n\u003cdiv style=\"margin:19px 0;padding:18px 20px;border:2px solid #b0cad6;border-radius:13px;background:#f4f8fb\"\u003e\n\n\u003ch3 style=\"margin:0 0 10px\"\u003e02. What the files contain\u003c\/h3\u003e\n\n\u003cp style=\"margin:0\"\u003eAgreements distinguishing between definitive forgiveness and conditional settlement, claim and balance specification, final receipt after verified completion, risk\/VAT\/tax audit, guides, and an Excel file with nine tabs. No documents automatically certify that a debt is time-barred or that a forgiveness has tax implications.\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\n\u003ch2\u003eAll files in the ZIP package\u003c\/h2\u003e\n\n\u003cdiv style=\"overflow-x:auto\"\u003e\u003ctable style=\"border-collapse:collapse;width:100%;font-size:.94em\"\u003e\n\n\u003cthead\u003e\u003ctr style=\"background:#e7f0f3\"\u003e\n\n\u003cth style=\"padding:10px\"\u003eNo\u003c\/th\u003e\n\n\u003cth\u003eDocument\u003c\/th\u003e\n\n\u003cth\u003ePurpose\u003c\/th\u003e\n\n\u003cth\u003eFormat\u003c\/th\u003e\n\n\n\u003c\/tr\u003e\u003c\/thead\u003e\n\n\u003ctbody\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003e01\u003c\/td\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003e\u003cstrong\u003eDebt forgiveness agreement – B2B\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003eImmediate forgiveness or explicitly conditional forgiveness of an identified debt.\u003c\/td\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003e02\u003c\/td\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003e\u003cstrong\u003eConditional final settlement agreement\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003eForgiveness takes effect only after verified payment and fulfillment of conditions.\u003c\/td\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003e03\u003c\/td\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003e\u003cstrong\u003eClaim appendix and balance specification\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003eSpecify principal, interest, credits, objections, and remaining amounts.\u003c\/td\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003e04\u003c\/td\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003e\u003cstrong\u003eForgiveness notice and final receipt\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003eConfirmation that conditions have been met and the specified claim is finally settled.\u003c\/td\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003e05\u003c\/td\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003e\u003cstrong\u003eAudit and risk assessment\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003eAuthorization, guarantees, collateral, VAT, tax, and documentation audits.\u003c\/td\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003e06\u003c\/td\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003e\u003cstrong\u003eSwedish user guide\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003eLegal limitations, instructions, and four fictional test cases.\u003c\/td\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003e07\u003c\/td\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003e\u003cstrong\u003eEnglish User Guide\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003eEnglish guidance for the Swedish templates. No English master template.\u003c\/td\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003eDOCX + PDF\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003e08\u003c\/td\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003e\u003cstrong\u003eExcel – Forgiveness register 2027\u003c\/strong\u003e\u003c\/td\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003eNine tabs for claims, forgiveness, actual payments, conditions, collateral, VAT audit, documentation, and dashboard.\u003c\/td\u003e\n\n\u003ctd style=\"padding:10px;border:1px solid #d8e2e8\"\u003eXLSX\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\n\u003c\/tbody\u003e\n\n\n\u003c\/table\u003e\u003c\/div\u003e\n\n\u003ch2\u003eImmediate debt forgiveness or conditional final settlement – what is the difference?\u003c\/h2\u003e\n\n\u003cp\u003eWith \u003cstrong\u003eimmediate debt forgiveness\u003c\/strong\u003e, the parties expressly agree that the creditor definitively waives a specified part of the identified claim. With \u003cstrong\u003econditional final settlement\u003c\/strong\u003e, forgiveness of the remaining amount shall only take effect if a specific payment has actually been received by the creditor and any other agreed conditions have been met. Therefore, a final receipt should not be issued before the payment is verified.\u003c\/p\u003e\n\n\u003cp\u003eAgreements must specify exactly which items are affected: principal, default interest, fees, objections, and any reservations. It is important not to accidentally write off other claims. The \u003cstrong\u003eContracts Act (1915:218)\u003c\/strong\u003e forms part of the general contractual legal basis. Under Section 36, unfair contractual terms may be adjusted or disregarded after individual assessment.\u003c\/p\u003e\n\n\u003ch2\u003eGuarantees, collateral, and third-party rights\u003c\/h2\u003e\n\n\u003cp\u003eA debt may be associated with, for example, a guarantee, pledge, or a claim assignment. It cannot be assumed that a bilateral forgiveness agreement automatically has a specific effect on a \u003cstrong\u003eguarantor's liability, pledge, or other third-party rights\u003c\/strong\u003e. Such issues must be assessed separately and relevant agreements and consents checked.\u003c\/p\u003e\n\n\u003ch2\u003eTax and VAT for debt forgiveness\u003c\/h2\u003e\n\n\u003cp\u003eA voluntary debt write-down is \u003cstrong\u003enot automatically a tax-exempt composition\u003c\/strong\u003e. The Swedish Tax Agency (Skatteverket) distinguishes between, among other things, private compositions, other voluntary forgiveness, and debt settlements within corporate reconstruction. Tax effects depend on actual circumstances, such as insolvency, the nature of the settlement, and applicable rules on losses. Let your accounting or tax officer assess both parties' treatment. \u003ca href=\"https:\/\/www4.skatteverket.se\/rattsligvagledning\/edition\/2025.7\/331675.html\"\u003eSwedish Tax Agency's guidance on compositions and debt settlements\u003c\/a\u003e.\u003c\/p\u003e\n\n\u003cp\u003eFor VAT, it is also crucial to distinguish between \u003cstrong\u003edetermined bad debt and price reduction after the fact\u003c\/strong\u003e, for example after a final debt settlement. There may be requirements for credit notes and corresponding adjustments. The package does not draw an automatic conclusion regarding VAT reduction. See \u003ca href=\"https:\/\/www4.skatteverket.se\/rattsligvagledning\/edition\/2026.12\/379696.html\"\u003eSwedish Tax Agency's guidance on VAT for bad debts and price reductions\u003c\/a\u003e.\u003c\/p\u003e\n\n\u003ch2\u003eExcel register with nine tabs\u003c\/h2\u003e\n\n\u003cp\u003eThe Excel file includes Dashboard, Claims, Forgiveness, Payments, Condition Audit, Collateral, VAT \u0026amp; Tax, Evidence Log, and Read Me. The register distinguishes between the original claim, \u003cstrong\u003eactually verified payments\u003c\/strong\u003e, and \u003cstrong\u003efinally realized forgiveness\u003c\/strong\u003e. A future or unconfirmed forgiveness should not be booked as definitive in the administrative residual balance. The formulas are arithmetic only and do not prove legal validity.\u003c\/p\u003e\n\n\u003ch2\u003eHow to use the templates\u003c\/h2\u003e\n\n\u003col\u003e\n\n\u003cli\u003eIdentify both companies, authorized signatories, and the original agreement.\u003c\/li\u003e\n\n\u003cli\u003eGather invoices, historical payments, interest, costs, and any objections.\u003c\/li\u003e\n\n\u003cli\u003eCheck collateral, previous assignments, and any third-party rights.\u003c\/li\u003e\n\n\u003cli\u003eSelect the document for immediate forgiveness or separate conditional final settlement.\u003c\/li\u003e\n\n\u003cli\u003eSpecify the exact amount forgiven, any reservations, and the relevant effective date.\u003c\/li\u003e\n\n\u003cli\u003eHave your finance or tax officer assess VAT, tax, and verification requirements.\u003c\/li\u003e\n\n\u003cli\u003eSign and document authorization and the agreed payment instruction.\u003c\/li\u003e\n\n\u003cli\u003eIssue a final receipt only after required conditions are met and payment has been verified.\u003c\/li\u003e\n\n\n\u003c\/ol\u003e\n\n\u003ch2\u003eFrequently asked questions\u003c\/h2\u003e\n\n\u003ch3\u003eWhat does debt forgiveness mean?\u003c\/h3\u003e\n\n\u003cp\u003eThat a creditor waives an identified claim or part of it. The agreement's wording and validity determine what is actually covered and when the forgiveness takes effect.\u003c\/p\u003e\n\n\u003ch3\u003eIs debt forgiveness the same as a composition?\u003c\/h3\u003e\n\n\u003cp\u003eNo, not always. A composition has specific economic and tax implications. A standard voluntary forgiveness does not automatically lead to the same tax treatment.\u003c\/p\u003e\n\n\u003ch3\u003eDoes the debtor receive a final receipt immediately when the agreement is signed?\u003c\/h3\u003e\n\n\u003cp\u003eNot if the forgiveness is conditional upon payment or other performance. A final receipt should be issued only after documented completion.\u003c\/p\u003e\n\n\u003ch3\u003eCan the company automatically deduct VAT or the entire claim as a bad debt?\u003c\/h3\u003e\n\n\u003cp\u003eNo. This issue requires a separate assessment of the transaction and any credit note. Swedish Tax Agency rules on bad debt and price reductions may lead to different accounting treatments.\u003c\/p\u003e\n\n\u003ch3\u003eDoes the Excel file calculate when a debt is legally gone?\u003c\/h3\u003e\n\n\u003cp\u003eNo. The Excel file provides an administrative calculation based on actually entered principal, verified payments, and manually confirmed final forgiveness.\u003c\/p\u003e\n\n\u003ch3\u003eAre English agreements included?\u003c\/h3\u003e\n\n\u003cp\u003eNo, the five working templates are in Swedish. An English user guide is included.\u003c\/p\u003e\n\n\u003ch2\u003eRelated templates\u003c\/h2\u003e\n\n\u003cul\u003e\n\n\u003cli\u003e\u003ca href=\"\/en\/products\/avbetalningsavtal-betalningsplan-b2b-mall-2027\"\u003eInstallment agreement and payment plan B2B\u003c\/a\u003e\u003c\/li\u003e\n\n\u003cli\u003e\u003ca href=\"\/en\/products\/preskriptionsavbrott-fordringsbevakning-mall-2027\"\u003eInterruption of limitation and claim monitoring\u003c\/a\u003e\u003c\/li\u003e\n\n\u003cli\u003e\u003ca href=\"\/en\/products\/fordringsoverlatelse-denuntiation-avtal-mall-2027\"\u003eAssignment of claims and denunciation\u003c\/a\u003e\u003c\/li\u003e\n\n\u003cli\u003e\u003ca href=\"\/en\/products\/enkelt-skuldebrev-mall-juridiskt-bindande\"\u003eSimple promissory note\u003c\/a\u003e\u003c\/li\u003e\n\n\n\u003c\/ul\u003e\n\n\u003ch2\u003eOfficial legal sources\u003c\/h2\u003e\n\n\u003cul\u003e\n\n\u003cli\u003e\u003ca href=\"https:\/\/www.riksdagen.se\/sv\/dokument-och-lagar\/dokument\/svensk-forfattningssamling\/lag-1915218-om-avtal-och-andra-rattshandlingar_sfs-1915-218\/\"\u003eContracts Act (1915:218)\u003c\/a\u003e\u003c\/li\u003e\n\n\u003cli\u003e\u003ca href=\"https:\/\/data.riksdagen.se\/dokument\/sfs-1981-130.html\"\u003eLimitation Act (1981:130), including Sections 5–6\u003c\/a\u003e\u003c\/li\u003e\n\n\u003cli\u003e\u003ca href=\"https:\/\/www4.skatteverket.se\/rattsligvagledning\/edition\/2025.7\/331675.html\"\u003eSwedish Tax Agency – compositions, debt settlements, and taxation\u003c\/a\u003e\u003c\/li\u003e\n\n\u003cli\u003e\u003ca href=\"https:\/\/www4.skatteverket.se\/rattsligvagledning\/edition\/2026.12\/379696.html\"\u003eSwedish Tax Agency – VAT, bad debts, and price reductions\u003c\/a\u003e\u003c\/li\u003e\n\n\n\u003c\/ul\u003e\n\n\u003cp\u003e\u003csmall\u003e2027 edition. Internal AI-assisted source and document check performed October 20, 2026; no external legal, audit, or tax advisor review has been conducted. Intended for defined B2B claims, not consumer credits, bankruptcy proceedings, or formal corporate reconstruction.\u003c\/small\u003e\u003c\/p\u003e\n\n\u003c\/section\u003e\u003csection class=\"mb-related-kvittning\" style=\"margin:22px 0\"\u003e\u003ch3\u003eRelated template: offsetting of claims between companies\u003c\/h3\u003e\n\n\u003cp\u003eOffsetting (set-off) is not the same as debt forgiveness. If two companies have mutual claims and wish to offset them, a separate offsetting agreement may be relevant. \u003ca href=\"\/en\/products\/kvittningsavtal-kvittningsforklaring-b2b-2027\"\u003eOffsetting agreement \u0026amp; offsetting declaration B2B 2027 – Word\/PDF\/Excel\u003c\/a\u003e.\u003c\/p\u003e\u003c\/section\u003e","brand":"Svenska Dokumentmallar","offers":[{"title":"Default Title","offer_id":55898849313110,"sku":"EFTERGIFT-B2B-2027","price":79.0,"currency_code":"SEK","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0827\/2373\/3846\/files\/skuldeftergift-slutreglering-2027-huvudbild.webp?v=1792475899","url":"https:\/\/mallbutiken.se\/en\/products\/skuldeftergift-slutreglering-avtal-b2b-2027","provider":"Mallbutiken","version":"1.0","type":"link"}