Your issues
Optimizing credit management policy, a vital issue for companies
Reduction of default risk
By assessing the creditworthiness of potential customers, monitoring their payment behavior and taking preventive measures to minimize the risk of non-payment.
Optimization of cash flow
By managing incoming and outgoing cash flows, anticipating working capital requirements and reducing payment delays.
Effective credit risk management
Using scoring and data analysis tools to assess credit risk and implementing appropriate policies and procedures to mitigate risk.
Faced with these challenges, Ellisphere is your ally for efficient cash flow management and sustainable growth of your company.
Our support
Expertise, services and tools dedicated to credit management
Ellisphere is a key player in the field of credit management thanks to its expertise in data analysis and credit risk assessment. Our expertise allows you to benefit from essential added values:
- A comprehensive, real-time database that allows you to accurately assess the creditworthiness of your business partners and detect the risk of default.
- Sophisticated statistical models to assess the credit risk of companies, taking into account various factors such as the financial situation, payment history, capital structure, etc. of your business relationships.
- Customized solutions to help you effectively manage your credit risk, based on your specific profile and needs.
- A team of technical and regulatory experts who keep a constant watch on developments in credit management.
It is the credit that companies grant each other implicitly through the payment terms granted by a company to its customers. The payment terms that companies grant each other are an element of the fluidity of economic exchanges.
However, the payment terms granted can also become a source of difficulty, insofar as any non-cash payment carries a risk of of non-payment. In 2020, business-to-business credit will represent 672 billion euros in France.
Late payments and payment defaults remain numerous. They are detrimental to the profitability of companies and negatively impact their cash flow and competitiveness. In the worst case, they can weaken the existence of the most vulnerable companies.
Since 2009, the LME law (Law on the modernization of the economy) has strictly limited the contractual payment terms between companies. These terms must not exceed 60 days from the date of the invoice, or 45 days end of month (Article L. 441-10 of the Commercial Code).
Every year in France, an estimated 56 billion euros in receivables remain unpaid. 25% of business failures are due to late payment and/or default. These business disappearances would affect more than 300,000 salaried jobs.
The scoreThe score, also called "credit scoring", is determined by an automatic and statistical calculation model. It is based on an algorithm and the use of data, without any human intervention .
When a company encounters difficulties and can no longer meet its commitments, it may be subject to receivership or direct judicial liquidation. In this case, we speak of a business failure. Thanks to artificial intelligence, Ellisphere's business failure score makes it possible to calculate the probability of this event, in a more efficient manner, for various time horizons (1, 2, 3 or 5 years) and thus to optimize risk management.
Our offer
Our offer benefits
225M
of companies in 230 countries and territories for which information is available online
+40K
decision-makers from SMEs, ETIs and large companies who use Ellisphere solutions every day
ANALYSIS
An in-depth analysis of economic and financial data
SCORE
Powerful scoring tools adapted to your specific needs.
SURVEILLANCE
Up-to-date and configurable monitoring of your entire portfolio.
Our products
Solutions adapted to your needs
Our team
Dedicated experts to support you
Sandrine Chardenon
Marie-Noëlle Thomas
Géraud Zeller
Stephen Lord
Edouard Hélie
Valentin Cassagnes
They trust us
Contact
Would you like to benefit from Ellisphere's expertise?
In accordance with the French Data Protection Act of January 6, 1978, as amended, you have the right to access, rectify, oppose, limit, withdraw your consent (if given), erase your data for legitimate reasons, and have your data ported. To exercise this right, please contact us by post at Ellisphere's head office at the following address: Tour Franklin - 100-101 Terrasse Boieldieu - 92042 Paris La Défense Cedex, or by e-mail at hotline@ellisphere.com. You may also lodge a complaint with the CNIL. For further information, please refer to our data protection policy.
