The loan, end to end

Twelve weeks, door to door

A loan is measured, planned, packed, hung, reported on and taken down again. Nothing about it is a surprise, including the part where something gets damaged — that happens about nine times a year and the money is already decided.

LOAN 31 · SINT-PIETERSTRAATWALL6.40 × 3.10 mHANGABLE14.2 m²HUNG11.42 m² · 19 worksTIERHal · 8 weeksOUT12 Aug 09:14BACK14 Oct 16:02SIGNED AT THE DOOR
measureplan at 1:20hang daymid checktake-downweek 0week 2week 8week 12

Five things happen, in this order

The picture stays with you while the beats scroll. It is the same wall at five moments of one loan, photographed at Sint-Pieterstraat in October.

Framed works propped along a wall before they are measured and hungSint-Pieterstraat, hang 31 · 07:40, before the rail went up
Week 0 · 40 minutes

We measure the wall, not the room

Width, height, what the wall is made of, where the sun lands at 15:00, how far the nearest radiator is. We write down the usable area — the Sint-Pieterstraat wall is 6.40 × 3.10 m but only 14.2 m² of it is hangable once the door swing and the skirting are out.

Week 1 · the drawing

A plan at 1:20, before anything is reserved

Every work is drawn at its true size with its catalogue number under it. You get the plan as a PDF and you change it — most people move two or three things, and roughly one in five asks us to leave a whole section bare.

Week 2 · hang day

Two people, a rail, two hours

Hanging days are Tuesday and Thursday. If there is no picture rail we fit 3 m of anodised aluminium for €46 and leave the wall otherwise untouched; if you would rather have holes, we drill, and we fill them again at take-down.

Week 8 · 20 minutes

Mid-loan check, whether you want it or not

One of us walks the wall with the plan and a torch at raking light. Nine faults a year are found at this visit rather than at take-down, which is the whole reason it exists. Nothing is charged for and nothing is charged to you.

Week 12 · take-down

Out, reported, and the next hang booked

Everything is photographed at the four corners again, wrapped, and back in the racks the same afternoon. You see the condition sheets within three working days, and the next plan usually arrives before them.

Plate 2 · condition sheet CR-2411-083

What a condition report actually says

RECTO · W-0412 KALKBANK III · 1120 × 840 mm · raking light from the leftabrasion 8 mm · through the gouache to the ground · recorded 14 Oct, not repairedcockling 120 mm · upper edge · stable at 58% RHframe corner · 4 mm loss to the gilding · repaired at the depot, no chargeVERSO · stretcher, label, fixingsdepot labelW-0412 · 0.94 m²D-ring 1D-ring 2wire renewed 11 Sep · 36 kg ratedChecked out 12 Aug 09:14 by R. Steijns · checked in 14 Oct 16:02 by H. Vrancken · member not charged · artist informed 15 OctSheet 083 of 2411 · scale 1:4
Framefault · repaired
Glazingnone fitted
Surfacefault · recorded
Versosound
Fixingssound

Four corners at 1:1 before it goes out, four corners again when it comes back, and the two sets sit side by side in the file. Every member gets the whole sheet, including the parts that make us look careless.

If it breaks

Nobody is ever handed a bill for the value of a work.

That is the whole promise, and it is the reason the fee is what it is. Every work is insured at its declared value while it is with you, to €8 000 a work and €40 000 an address, and the premium is inside your monthly figure. You carry €75 of excess per claim and nothing else.

€18 400in the claims pool on 1 October, held against 1 184 m² out on loan

In 2026 we recorded 31 faults across 1 940 works. Twenty-two were absorbed by the depot at no charge. Six went to the conservator in Liège. Three were written off, the artists were paid their full declared value out of the pool, and all three members stayed.

What happenedYou pay2026
Frame knock, scuff, loose wire — under €150 to put rightnothing22
Tear, puncture, water mark — work withdrawn to the conservator€756
Beyond repair — artist paid the declared value from the pool€753
Theft with forced entry, reported within 48 hours€750
Third claim at one address inside two yearstier capped1

Tier capped means we keep lending to you, at 2 m², until a clean rotation goes by. It has happened once, to us, in nine years.

The questions we get on the doorstep

Before you ask

Can I keep a work past the twelve weeks?
Yes, twice, if nobody else has reserved it. After the third term it either comes back or you buy it. Four works have been renewed more than six times; one of them has been on the same wall in Wyck since 2019.
Can I buy something off my own wall?
You can, at the declared value, and up to six months of what you have already paid in fees comes off the price. The artist takes 62% of the sale. We do not mark a work up because you have lived with it.
Do you hang in rented flats?
Constantly. About a third of Kamer members rent. The aluminium rail is screwed into the top 40 mm of the wall and comes off with five screws; we fill and touch in at take-down, and we have never had a deposit withheld over it.
What happens if I move house mid-loan?
Tell us before you pack. The insurance covers the work at the address on the loan sheet and nowhere else, including the back of your car. We will collect, hold and re-hang at the new address for €90, or hold free for up to eight weeks.
Can I choose the works myself?
Half of them, in practice. You pick what you want from the racks and we fill the rest, because a wall chosen entirely by one person tends to be five versions of the same picture. If you hate what we added, say so and it goes.
How much notice to stop?
One rotation. Tell us any time before the next hang date and the current works come down on schedule with nothing further to pay. There is no joining fee and no minimum term, and we do not ask why.
A long painting carried on its edge down a corridor on hang day
Hang 31 arriving · 1340 × 1010 mm goes up the stairs on its side, never flat

Book the measure

Forty minutes, free, anywhere inside 35 km of the depot. We bring a tape, a light meter and six works out of the racks so you can see what the wall does to them.

Choose a membership
Look through the racks first