Umbrellabelle The Belle Standard
Consultation Draft v0.1 · First published June 2026 · Open for industry comment

The Belle
Standard

The bellwether framework for global workforce compliance.

Free to read, cite, and implement. No membership required. The Belle Standard is published as a market reference — not a regulatory instrument. Providers are assessed against it in the Umbrellabelle directory.

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BELLE
STANDARD
First issued
June 2026

Why this standard exists

The UK umbrella company market has FCSA — the Freelancer & Contractor Services Association, founded in 2004 as a self-regulatory initiative by providers who wanted to differentiate themselves from fraudulent operators. HMRC now references FCSA membership in its guidance. The mark is the de facto signal of quality in a market of 900+ providers.

No equivalent exists for Employer of Record or Agent of Record providers. The EOR market is growing from $6.8bn toward $14bn by 2030. Providers range from platforms with owned legal entities in 180+ countries to brokers with a website and a partner network they do not control. Clients cannot reliably distinguish one from the other. No body audits them. No mark signals quality.

This is not a niche gap. EOR platforms process payroll for tens of thousands of workers across hundreds of jurisdictions. When they fail — and some do — workers go unpaid, companies face unexpected tax liabilities, data is mishandled, and workers in other countries have no recourse. The industry is maturing faster than its governance.

The Belle Standard is published by Umbrellabelle as a starting point: an open, public framework that any provider can implement, any client can reference, and any assessor can apply. It is the document that should have existed already.

$14bn
Projected EOR market size by 2030
0
Existing accreditation bodies for EOR/AOR providers
6
Categories assessed under this standard
Scope
This standard applies to any entity marketing itself as an Employer of Record (EOR) or Agent of Record (AOR) to UK-registered businesses.

The Framework

Six categories. Sixty-two criteria.

Every criterion is binary (met / not met) or tiered (full / partial / not met). Total score determines Belle directory status.

Category 1 Critical

Entity Ownership

30pts
of 100 total

The single most important quality signal in EOR. A provider that owns legal entities in-country employs workers directly and carries the full compliance burden. A broker that uses uncontrolled third-party partners transfers undisclosed risk to the client.

Owned legal entity
Provider holds an in-country legal entity in each market it covers and directly employs workers in that jurisdiction. Full credit (30pts)
~
Controlled partnership
Long-term exclusive agreement with a local PEO, with defined SLAs, audit rights, and contractual liability retained by the EOR. Partial credit (15pts)
Spot brokerage
Third-party engagement on an ad-hoc basis with no formal agreement, audit right, or liability chain. Not eligible (0pts)
Coverage disclosure
Provider publishes a country-by-country list explicitly distinguishing owned entities from partner coverage. Clients must be able to identify this before signing.
Category 2 Critical

Financial Robustness

20pts
of 100 total

EOR providers process payroll on behalf of their clients. A provider that cannot demonstrate financial soundness puts every worker's salary at risk if a client defaults or the provider fails.

Client money protection
Worker payroll funds held in accounts segregated from operational funds. Documented and evidenced to assessor.
Audited accounts
Independently audited financial statements available to assessor for last two complete financial years.
Professional indemnity insurance
PI insurance in place and sufficient to cover claims arising from compliance failures across all active markets.
Employer's liability — per jurisdiction
Employer's liability or workers' compensation insurance in place in each country where workers are employed, at or above statutory minimum.
Category 3 Core

Compliance Infrastructure

20pts
of 100 total

EOR providers handle sensitive employment and payroll data across multiple jurisdictions. This category assesses whether the compliance infrastructure matches the global footprint.

SOC 2 Type II or ISO 27001
Current certification from an accredited body. Scope must cover the core platform and payroll processing systems.
GDPR Article 28 DPA
Data Processing Agreement available as standard in client contracts. DPA must address sub-processor disclosure, data subject rights, and breach notification.
Cross-border transfer mechanism
Standard Contractual Clauses (SCCs) or equivalent in place for all data transfers between EU/UK and non-adequate third countries.
Named Data Protection Officer (or equivalent)
Designated DPO or privacy lead accessible to clients. Contact details published or available on request.
Local employment law monitoring
Documented process for monitoring legislative changes (minimum wage, statutory leave, termination rules) in each active market, with client notification procedure.
Category 4 Core

Client Protection

15pts
of 100 total

The EOR becomes the legal employer, but the commercial relationship is with the client. These criteria protect clients from the contractual risks that arise from that structure.

Transparent pricing
Published fee structure. No hidden charges, setup fees, or currency conversion margins that are not disclosed at point of contract.
IP ownership clause
Client's intellectual property remains with the client regardless of EOR employer status. IP assignment provisions standard in employment contracts.
Termination handling procedure
Documented offboarding process that complies with local notice and severance obligations. Clients advised of country-specific requirements before hiring.
Complaint resolution SLA
Documented complaints process with published resolution target of no more than 10 business days for standard issues. Escalation path to senior management defined.
Category 5 Core

Worker Protection

10pts
of 100 total

The EOR is the legal employer of the worker. These criteria ensure that relationship is substantive — not a legal fiction that leaves workers without meaningful recourse.

Statutory minimum benefits met in all markets
Local statutory benefits (annual leave, sick pay, pension contributions, maternity/paternity) met or exceeded in every jurisdiction. Salary alone is not sufficient.
Direct worker contact
Workers have a named EOR contact and a direct channel to the EOR — separate from their day-to-day contact with the client. EOR cannot be invisible to the worker.
Payslip transparency
Payslips itemise gross pay, net pay, all deductions, employer contributions, and applicable currency. No opaque deductions.
Benefits portability
Worker employment data transferable if client moves to a different EOR provider. No lock-in that disadvantages the worker.
Category 6 Transparency

Operational Transparency

5pts
of 100 total

Markets work better when participants publish what they do. These criteria require EOR providers to make their operational conduct visible — not just to assessors, but to the market.

Incident reporting — 24hr client notification
Data breaches, payroll failures, and regulatory investigations notified to affected clients within 24 hours of discovery.
Annual compliance summary
Published annual summary covering: number of workers employed, markets active, incidents reported, and complaints received (aggregate, not client-specific).
Sub-processor disclosure
Complete list of sub-processors (payroll systems, HRIS, data providers) published or available on request. Changes notified to clients with 30 days notice.

Scoring Model

What your score means in the directory

All six categories are weighted and totalled out of 100. Category 1 (Entity Ownership) and Category 2 (Financial Robustness) carry the heaviest weighting. A provider that fails either critical category cannot achieve Belle Verified status regardless of total score.

Providers who decline to participate in assessment are listed as Unassessed in the Umbrellabelle directory. This status is publicly visible. The market interprets it accordingly.

90–100 Belle Verified ✓
Mark licensed. Featured in directory. Assessment renewed annually.
75–89 Belle Listed
Listed in directory with specific improvements flagged publicly.
50–74 Listed with caveats
Listed with compliance gaps noted for each relevant criterion.
< 50 Not listed
Provider notified. Reassessment available after 6 months.
Declined Unassessed
Publicly noted as having declined assessment. No score assigned.

For Providers

Apply for Belle Standard assessment

Assessment is currently in its founding cohort phase. The first eight providers to complete assessment will hold founding Belle Verified status — recognised in all future Belle Standard publications as part of the original cohort.

  • 1 Submit expression of interest below — no commitment required at this stage
  • 2 Belle team schedules a 30-minute scoping call to confirm eligibility
  • 3 Evidence submission across all six categories — document-based, no site visits required
  • 4 Score published in Umbrellabelle directory. Belle Verified mark licensed if 90+ achieved

Assessment fee: founding cohort rate applies to the first 8 providers. Contact us for details.

Expression of interest

No commitment. We respond within 3 business days.

Consultation

This standard is a first draft. Improve it.

The Belle Standard v0.1 is open for comment from providers, clients, trade bodies, and employment lawyers. Substantive improvements will be incorporated into v0.2, with contributors acknowledged.

🏢

EOR / AOR Providers

Criteria you believe are unworkable, missing, or incorrectly weighted. Send your technical response to the assessment team.

⚖️

Employment Lawyers

Jurisdictions where our criteria conflict with local law, or where the standard creates unintended liability. We want to know before v0.2.

🏛️

Trade Bodies & HMRC

If you represent an industry body or government department with an interest in EOR/AOR regulation, we would welcome a conversation about alignment.

Send comments, corrections, or requests for alignment meetings to:

standard@umbrellabelle.com

All substantive responses will be acknowledged. The standard is better for having more eyes on it.