Risk Management

Managing international credit risk

Your knowledge of the soundness and reliability of your overseas clients is essential to anticipate credit risk and thereby grow in complete security.

Managing credit risk overseas: essential to your growth

Export volumes are achieved 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.

With the COVID-19 crisis, the international environment has never been so uncertain. Companies need complete confidence in their business partners or risk default or fraud. By reducing the time it takes to review files, you increase your ability to manage a diverse portfolio of clients, helping your company to grow in the long term.

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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 facilitates your credit decisions, anywhere in the world

To do this, Altares will help you make the right decisions with exclusive indicators such as failure score, Paydex (payment habits indicator) and the identity, financial and capital information of several million companies. We also offer you the benefit of verified and reliable information on the country risk that may affect your decisions to enter into business relationships.

These decision-making tools can be provided to you through platforms dedicated to risk internationally, by integrating Altares-D&B data directly into your information system, or by enriching your third-party files.

Altares- D&B data for your credit risk management

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, which provides a Paydex indicator, is a factual observation of the reality of payments in which the members of the worldwide D&B network participate, through an exclusive programme for collecting (invoices) and analysing late payments.

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. This programme has been in existence for more than 40 years worldwide, and for 30 years in France.

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, particularly credit risk management.

With our solutions and risk analyses, we support financial departments in their credit policies and cash management. Finally, the technology teams can create a unified view of third parties across all systems and provide credit managers 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 ?

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.

Managing international credit risk