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.
YOUR STAKES
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.
EVALUATE
Master your inter-company credit policy to sustain your business.
MONITOR
Analyze the financial health of your clients and partners to reduce your risks.
OUR SUPPORT
...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 :
STANDARD
An online solution (SAAs) to meet the operational needs of all companies.
TAILOR MADE
Specific solutions adapted to the business characteristics of companies.
Our offer
The advantages of our offer
225M
companies in 230 countries and territories for which information is available online.
+40K
decision-makers from SMEs, ETIs and large companies who use Ellisphere's solutions every day
SCORES
A measure of the risk of failure through artificial intelligence.
FINANCIAL INFORMATIONS
Dedicated data, ratios and indicators.
MONITORING
An accurate monitoring tool for 40 million companies.
INQUIERIES
Experts dedicated to the search for specific information about companies.
Our team
Dedicated experts to accompany you
Alain Luminel
Martine Bénier
Jean-Luc Boisnon
Patrice-Michel
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.
ELLIPRO
La plateforme d’information de référence sur les entreprises du monde entier
PRESTATIONS SUR-MESURE
Des solutions personnalisées pour optimiser la prise de décision
PRODUITS CO-ÉDITÉS
Les produits d’information sur les entreprises conçus avec nos partenaires
MODULE DE FORMATION
Tout connaître des fondamentaux de l’analyse crédit par les experts Ellisphere
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