This is the credit that companies implicitly agree with each other through the payment deadlines made by a company to its customers. The payment deadlines that companies agree with each other constitute an element of the fluidity of economic trade.

However, they can also become a source of risk, insofar as any non-cash payment carries a probability of unpaid by the customer. In 2020, the inter-firm credit represents €672 billion in France.


Delays and defaults remain numerous; they are detrimental to the profitability of companies and negatively impact their cash flow, competitiveness. In the worst cases, they can fragilize the existence of the most vulnerable enterprises.

Since 2009, the loi LME (Economic Modernization Act) strictly limits inter-firm contractual payment deadlines.These deadlines must not exceed 60 days from the date of the invoice, or 45 days end of months (article L. 441-10 of the Commercial Code).

Each year in France, it is estimated that these jobs will be paid by 56 billion euros in defaults.


The score, also referred to by the Anglo-Saxons as “scoring”, or “credit scoring”, is determined by an automatic and statistical calculation model.It is based on a algorithm, and the exploitation of data, without any human intervention.

When a company encounters difficulties, no longer able to meet its commitments, it can be subject to judicial reorganization or direct judicial liquidation. In this case, it is called business failure. Thanks to artificial intelligence, Ellisphere’s default score allows to calculate the probability of this event, in a more efficient way, with various horizons (1, 2, 3 or 5 years) and to manage the risk accordingly.



Making your business relationships more reliable...

Is my client solvent ? Is my supplier strong ? Managing the risks associated with your business relationship is essential to maximizing the profitability and performance of your business.


Master your inter-company credit policy to sustain your business.


Analyze the financial health of your clients and partners to reduce your risks.


...thanks to a dedicated approach.

In order to meet the challenges facing economic operators, Ellisphere provides its business expertise and business information repositories around the world through two types of support :


An online solution (SAAs) to meet the operational needs of all companies.


Specific solutions adapted to the business characteristics of companies.

Our offer

The advantages of our offer


companies in 230 countries and territories for which information is available online.


decision-makers from SMEs, ETIs and large companies who use Ellisphere's solutions every day


A measure of the risk of failure through artificial intelligence.


Dedicated data, ratios and indicators.


An accurate monitoring tool for 40 million companies.


Experts dedicated to the search for specific information about companies.

Our team

Dedicated experts to accompany you

Our solutions

To ensure the performance and control the profitability of your business, Ellisphere supports you in your inter-company credit policy.

Discover all our solutions dedicated to customer and supplier risk management.


La plateforme d’information de référence sur les entreprises du monde entier

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Des solutions personnalisées pour optimiser la prise de décision

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Les produits d’information sur les entreprises conçus avec nos partenaires

Discover our co-edited products


Tout connaître des fondamentaux de l’analyse crédit par les experts Ellisphere

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