Reduce your customer risk

Avoid non-payment and secure your cash flow by checking your customers' solvency.

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Manage your customer risks and protect your cash flow

In an ever-changing economic environment, customer risks pose a significant challenge for any business. They can weaken liquidity and endanger the company's survival.

These risks can be divided into three main dimensions:

  • Payment default risk: a customer is financially unable to settle outstanding invoices.
  • Late payment risk: outstanding receivables are settled by the customer only after excessive delays.
  • Insolvency risk: the customer is legally unable to meet their financial obligations.

Anticipating and effectively managing these risks is essential to secure your transactions and maintain sustainable growth.

To achieve this, access to up-to-date and detailed business information is crucial. Coface supports you by collecting and analyzing data from companies worldwide, helping you optimally manage your customer risks.

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Make better decisions with high-quality data

As a leading credit insurer, Coface provides you with exclusive data and indicators, in-depth analyses, and expert recommendations—helping you assess the creditworthiness of your current and potential customers more effectively.

Our tools, such as URBA 360, Credit Opinion, and the DRA Score, enable you to make optimal decisions in managing customer risks, tailor your strategy to your risk tolerance, and secure your transactions.

  • Anticipate payment default risks with the DRA (Debtor Risk Assessment), a credit rating scale from 0 to 10, allowing you to assess whether your business partners will meet their financial obligations within 12 months.
  • Access real-time data via the Late Payment Index in URBA 360, sourced from our international network of experts, to better understand your customers' and prospects' payment behavior.
  • Use Credit Opinion to receive personalized credit recommendations, helping you define precise customer credit limits and make financial decisions aligned with your business goals.

Optimize your risk management with exclusive data

Coface enhances its data with insights gathered and analyzed by our experts, assessors, and financial analysts in 195 countries. These insights go far beyond public and governmental sources, providing you with a reliable and up-to-date risk assessment.

You receive this data through clear, easy-to-understand indicators presented in our intuitive tools, assisting you in proactive risk management and comprehensive control of your business transactions.

With a built-in alert system, you will be notified of significant developments, allowing you to respond to negative signals before they impact your business.

For GEODIS, it makes all the difference:

The quality of data at an international level, with harmonization across countries, is crucial for a corporation like ours that aims to centralize and structure its operations.

URBA360, the all-in-one solution for strategic decisions

With URBA360, you gain access to a high-quality and easy-to-use information solution. Assess the credit risks of all your customers and gain valuable insights for quick and informed decisions.

  • An overview of the 6 key indicators

    Credit score, maximum credit recommendation, industry & country assessments, payment behavior monitoring, and financial ratios (if available). Access easily readable indicators to confidently assess a company’s financial health and secure your cash flow.

  • Insights from 700 risk management experts

    Our international network of 700 experts regularly publishes macroeconomic analyses, country risk assessments, sectoral evaluations, and thematic reports.

  • Access to data used by our internal specialists

    We make over 10,000 credit decisions daily based on this data and manage an exposure of €685 billion.

  • Data on 195 Million companies in 200 markets

    Access exclusive data from our global network, covering over 195 million companies across 200 countries, to evaluate your credit risks worldwide.

Unlocking Success: Dassault Systèmes Thrives with Business Information Solutions

Dassault Systèmes' partnership with Coface is a very good exemple of the effectiveness of Coface's Business Information solutions.

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Discover what URBA360 can do for you.

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Our solutions for protecting against existing customer risks

If a customer risk is identified, Coface offers tailored solutions to secure your receivables and protect your liquidity.

  • A trade credit insurance: if some of your customers are experiencing payment difficulties, our credit insurance protects you against non-payment by guaranteeing your trade receivables, ensuring financial stability and predictability.
  • Debt Collection: in case of late payments or defaults, we offer an efficient collection service to help you recover your money quickly, optimize your liquidity, and maintain business relationships.

Frequently asked questions