Discovering the new intuiz+

This is a failure prediction score and provides a probability of entering into insolvency proceedings within one year; it is based on three complementary types of data: structural data, financial data and payment data. The added values:

• The score is modelled based on almost all French companies and assigns a score to all 7.7 million Siren numbers.
• Data precision: The integration of payment data, including payment experiences, is updated on a weekly basis.
• Fine analysis that takes into account differentiated risk according to legal categories and the 23 financial ratios used.
• A methodical display showing four different risk classes in the form of scores and an evaluation out of 20 or 100 to meet all existing standards.
• Decision support with detailed comments, sectoral comparisons and 24-month historical data.

Learn about your customers’ payment experiences. With the Dun Trade programme, which is powered by payment data from thousands of partner companies and an intuitive data visualisation tool, you can assess whether your customers are at risk when paying your invoices. With this module, you have access to:

• Regular monitoring: payment habits are updated weekly for greater responsiveness in your decisions.
• Identified trends: A history of payment experiences over the last 24 months for the client company in relation to its sector of activity is available to enable you to better assess their creditworthiness.
• Simplified display: payment experiences are displayed in number of days late/legal deadline.

This display mode allows you to compare your customers’ contracts and habits.

Be warned when a collective proceeding concerning one of your clients is underway. As soon as it is published in an official source, you are informed of any safeguard, recovery or judicial liquidation proceeding or amicable settlement of a partner of your company.
With this module you can:

• Enjoy optimal responsiveness: you are immediately informed of events as soon as they are published so that you can anticipate how to manage your foreclosure deadlines. This type of alert can also be configured on your email.
• Improve your legal processes: immediate notification of the official publication of the proceedings in the BODACC allows you to file your case with the competent agent.
• Targeting information: filter by event, source and date help to speed up and clarify your understanding of the course of a proceeding.

Rely on companies’ financial diagnostics to access information from more than 900,000 balance sheets collected each year by Altares. Use dynamic navigation designed to select the unit of measurement and the year of the balance sheet you wish to consult. The data available to you are as follows:

• A financial summary to assess results and cash flow
• A restated balance sheet to view the major asset/liability pools
• The income statement to recognise asset value
• Interim management balances to assess performance
• A set of ratios to measure profitability or structure criteria
• All complete balance sheets available
• The possibility of ordering company management reports

Thanks to the consolidated balance sheets available in intuiz+, you can analyse the financial health of a group as a whole. Consolidated accounts offer a more accurate financial view and are an essential tool for obtaining an overall view of the financial health of a group.

This feature allows you to access all announcements from legal publications (BALO, BODACC, JAL, etc.). A Company timeline helps you to visualise and understand the chronology of events that have marked the life of the company since its formation. You can choose your type of display (List or Timeline) to quickly distinguish the key events, their publication dates and of course, you can access the announcement itself. You have filters by events that make it easy to consult specific types of announcements. An Alert mode allows you to be kept informed of the publication of announcements concerning companies that interest you directly to your email. Finally, you can download the official documents filed with the authorities

intuiz+ gives you access to the complete background of a director through their legal mandates, which is a key source of information, particularly in the fight against fraud and corruption, but also in cases of conflicts of interest for directors who head several companies. Combined with the “Corporate Identity” feature, you have a panoramic view of companies across 4.4 million directors. To assist you in your queries, you have a powerful search engine that only takes into account results that match 100% on four criteria: surname, first name, date and place of birth.

You have access to the structure of more than 650 French groups, allowing you to identify links between several entities. This information is essential to find out whether a debtor or a person suspected of fraud has shares in one of the companies in a group, but also to guide your business development to avoid possible global dependence on a single group. This data is presented in the form of tables for shareholdings, direct and indirect holdings in which each link is indicated with its degree of ownership (majority, minority), its rate of ownership (%) and the date on which this information was updated.

The tree view gives you access to two types of graphical representations:

• A vertical group tree that allows you to identify the entity being viewed within its group and to view the parent company. For each entity on the tree, you access key information such as the SIREN number, the company name, the percentage of ownership, the city, the department, the country as well as the level of default risk.
• With the exploratory view, you can unfold the entire group tree and explore the shareholder base as well as direct and indirect holdings.

Modular reports: choose the information you are interested in depending on the person. Quick create: quickly select, customise and save. Save reports: access to all your customised reports at any time, printable in one click.
You have the option to create two types of reports:

• Flash report: you want to know how much outstanding you can grant to your client? Do you want to verify a piece of information you heard about your supplier? Is the targeted prospect really reliable? The flash report, a real decision-making tool, allows you to know the identity and financial elements of your partner at a glance. Sole traders, limited companies, liberal professions but also limited companies, all legal forms are available in the flash report. The database of nine million active companies in France is updated daily via official sources and corrected by expert teams.
• Full report: you need funds to grow your business and have to present a full report of your company to your bank? You want to participate in a financing operation to acquire shares and need to know the company and its history in detail? You want to go into partnership with a company, but is it reliable? Are there any events in its financial or management history that you need to know about? The full report is a real tool for analysis and business management. It is a professional and complete financial audit, similar to those carried out by auditing firms, which takes into account the current situation but also the history of the company. The comprehensive reports are available for all companies regardless of their status, size or turnover. The reports are updated daily via official sources (INSEE, RCS, courts) and all data is aggregated by Altares experts.
  

You can choose between three types of documents: Official documents: deeds and articles of association, management reports, auditors’ reports, digital balance sheets, with a choice between the most relevant decision aid from these documents.

Specific investigations: solvency investigation or in-depth investigation where you can choose the study format as well as the depth of history of your choice. Our team of professional analysts will help you understand the issues and risks associated with the companies you have selected.

Privileges: the registration of a lien at the Registry of the Commercial Court gives a creditor preference over others, on all the assets (movable or immovable) of its debtor, or on some of them only. Liens and pledges constitute what is known as the debt situation of companies: they include debts to the State and securities declared by banks and financial institutions. To check the financial health of a company, you can ask the Registry of the Commercial Court for a statement of indebtedness, which summarises lien and pledge registrations, as well as registrations made to reveal the existence of a right of ownership (leasing operations, rental contracts, reservation of ownership clauses) or that of an unpaid loan.

This widget provides you with a textual and pedagogical analysis of the items on the balance sheet. The comments displayed help you save time in your decision making. This feature ideally complements the Score and Financial Information features. The added values:

• The richness of the comments help with interpretation and understanding of the balance sheet figures: they specify a context and explain the causal links between the various financial ratios.
• Relevant analysis tools such as sector comparison elements, annual growth and factual argumentation validate your decisions and enrich your reporting.
• An innovative Artificial Intelligence technology for optimal accuracy coupled with strict consistency checks by Altares financial analysts. Almost two hours of financial analysis reduced to a few clicks.

In addition to statutory directors who are not always operational, intuiz+ provides you with the identity of the main operational decision-makers, responsible for the key functions in the company. Six operational departments are taken into account: Finance, Human Resources, Purchasing, IT, Sales and Marketing. Thanks to this widget, you have access to more than 320,000 decision-makers with an overview of the company’s organisational charts, which reinforces the effectiveness of your commercial prospection actions.

The intuiz+ Pilotage (steering) module helps you identify the risks related to your customer portfolio. By cross-referencing your ageing balance data with the Altares default score and our payment behaviour index (Paydex), Pilotage delivers an enhanced view of your portfolio and allows you to identify at a glance the most at-risk and overdue third parties. You can therefore make quick and strategic risk management decisions, update your credit limits and prioritise your collection actions effectively.

The Compliance widget gives you access to information on the beneficial owners of the company consulted. The beneficial owner is defined as the natural person(s) who owns or controls the reporting company, directly or indirectly. For companies for which we have the beneficial owner in the database, you can access the identity of the individual, their address and their direct and indirect shareholding.