Risk Management

Anticipating the insolvency of my business partners

A model of payment terms suited to the financial capabilities of your customers and a rigorous dunning process are the two keys to managing DSO which Altares-D&B can help you with.

With Altares, a member of the Dun & Bradstreet network, you gain access to the largest database of corporate payment information in the world. You define payment terms and conditions according to the profile of your prospects and customers, benchmark your collection performance and set new collection priorities for your collection teams.

Do you know the payment habits of your business partners?

Anticipating the insolvency of your French business partners

1.5% of the turnover of French companies becomes irrecoverable, i.e. more than €56 billion per year. Late payments are the first sign of financial difficulties for a company. It is therefore strategic for companies to anticipate the insolvency of their business partners. With Altares, learn about the payment habits of 100% of French SMEs and ETIs, allowing you to better define your payment terms and conditions according to the payer’s profile.

Anticipating the insolvency of your international business partners

In an unstable and highly regulated international environment, businesses must have complete confidence in their partners or risk default or fraud. Late payments must be kept under control, especially as payment habits differ significantly from one country to another. In 2019, 86% of Danish companies paid on time, compared with only 18.5% in Israel and 49% in Mexico. The COVID-19 crisis has further increased the risk to these international business relationships and the need to prevent the possible insolvency of your business partners.

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The largest BtoB database in the world

440M

OF COMPANIES IN THE WORLD

231M

OF EXECUTIVES

11M

OF FRENCH COMPANIES

100M

OF CORPORATE LINKAGES

160M

BENEFICIAL OWNERS IN THE WORLD

4.5M

BENEFICIAL OWNERS IN FRANCE

Altares-D&B’s expertise in reducing your DSO

Implementing a rigorous dunning process is the key to managing DSO. The human resources allocated to cash collection are often insufficient to process the entire portfolio.Altares has developed an expertise based on the processing of more than 120 million invoices per year, which allows us to define a payment profile for more than 1 million companies in France and abroad.With Altares, you have a risk management tool that integrates algorithms prioritising collection actions and allowing you to compare your performance indicators with those of your peers.

Altares-D&B’s data helps anticipate the insolvency of your partners

The Altares Score

The Failure Score corresponds to a risk rate, i.e. the probability of entering into collective proceedings (safeguarding, receivership and judicial liquidation) within a 12-month period.

Updated daily, the Altares score is a central piece of data concerning the risk associated with French companies, as it allows you to assess third parties, whether they’re prospects, suppliers or customers.

More than 35,000 companies use the Altares score daily in their credit decisions, through our platforms.

The D&B® Rating

The D&B® Rating combines the size of a company and its balance sheet information (the company's assets, liabilities and equity) and uses them to create a global rating of the creditworthiness of companies internationally.

The DunTrade and Paydex programme

The DunTrade ® programme is a factual observation of the reality of payments in which the members of the worldwide D&B network participate, through an exclusive collection and analysis programme for late payments (invoices).

Collecting this data allows us to establish a payment score, the Paydex®. The Paydex® and the FPI (Frequency Payment Index) allow you to evaluate the payment habits of a company or a public body to help you in your decision making regarding entering into a relationship or continuing with a third party, both in France and internationally.

D&B network data

Dun & Bradstreet's Data Cloud provides the world's most comprehensive financial data and analytics to address key issues across all business functions.

With our solutions and risk analyses, we support financial departments in their policies for payments and third-party insolvency. Finally, the technology teams can create a unified view of third parties across all systems and provide cash collection teams with all available D&B data directly from their systems.

Our risk management solutions

Altares supports its customers in managing credit risk in France regardless of the desired delivery method

Platforms

Intuiz+

The credit risk intelligence solution for French companies.
Make the right credit & investment decisions quickly and reduce your DSO.

Platforms

D&B Credit

Benefit from exclusive access to information and analysis on over 440 million businesses worldwide. Check the financial situation of your customers and suppliers. Protect yourself from the risks of financial fragility or payment difficulties. With 220 countries in the portfolio being monitored, D&B Credit is the most powerful risk management solution in the world.

Platforms

D&B Country Risk

Get a clear vision of your international markets. Setting up, investing or doing business internationally is not something you can improvise. D&B Country Risk provides you with detailed reports on your potential partners as well as analyses of the commercial, economic and political environments in which they operate.

Platforms

Payment Performance Insights / DunTrade

Partner with DunTrade®, and gain access to your partners' payment behaviour information. Secure your credit decisions with a rich database of over 175 million payment experiences.

File/batch delivery

Global Financials

A consistent and standardised view of corporate financial data

The Risk management solutions we offer

Altares supports its clients in managing credit risk in France, regardless of the desired delivery method

The strategic credit risk monitoring solution for French companies.
Make the right credit & investment decisions quickly and reduce your DSO.

Learn more

Take advantage of information and analysis on over 440 million companies worldwide. Check the financial situation of your customers and suppliers. Protect yourself from the risks of fragility or payment difficulties. With 220 countries in the portfolio, D&B Credit is the most powerful risk management solution in the world.

Learn more

Have a clear vision of your international markets. Setting up, investing or doing business internationally cannot be improvised. D&B Country Risk provides you with detailed reports on your potential partners as well as analyses of the business, economic and political environments in which they operate. Learn more
Become a DunTrade® program partner, and gain access to your partners’ payment behavior information. Secure your credit decisions with a rich database of over 175 million payment experiences. Learn more
A consistent and standardized view of corporate financial data Learn more

How can we help you?

In France, 2,000 companies are created every day, which is as many opportunities to develop your business. But, every year, 3 out of 100 business enterprises also file for bankruptcy. Verifying the legal existence of a company and detecting the risks carried by this partner is essential to ensure the sustainability of your business.

The export volume is realized by only 125 000 French companies. But for 60% of them, the first obstacle mentioned is the lack of quality information on the target market, and for 40% the difficulties in finding the right partner.

A payment terms model adapted to the financial capabilities of your customers and a rigorous dunning process are the two keys to a controlled DSO for which Altares-D&B can help you, whether in a local or international context.

Our decision-making tools, provided through platforms dedicated to international risk, via the integration of Altares-D&B data directly into your information system, or the enrichment of your third-party files, give you the information you need to ensure your growth is sustainable and reliable.

The classification and prioritization of data are the keys to ensuring the overall consistency of your information system. Altares allows you to create, clean and maintain your business partners’ data repository on a daily basis.

Anticipating the insolvency of my business partners