Discovering the new intuiz+
- Every detail on more than 22 million French companies.
- Verifying the legal existence of your business partner (customer, supplier, reseller, etc.)
- Collecting identity, financial and legal information
- Assessing risk (using the Altares failure score) and Paydex score (payment delay)
- Knowing the guarantee links of partners
- Have data updated daily+ [time-stamped data].
Introduction
intuiz +
Managing risks
Discover the new features of the latest intuiz+ release
FPIs, alerting to the frequency of late payments
Altares creates Frequency Payment Index (FPI) or frequency of delay alerts, which indicate the share of suppliers paid with a significant delay (+30 days) and those with a critical delay (+90 days).
- FPI 30+: proportion of suppliers paid more than 30 days late
- FPI 90+: proportion of suppliers paid more than 90 days late
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FPIs are complementary to PAYDEX and allow for an even finer prediction of the probability of payment incidents.Where to find the FPI in intuiz+?
FPIs are available in the “payment” widget, alongside PAYDEX.
You have a two-year history and can set alerts to easily identify an improvement or deterioration in the proportion of suppliers paid with more than 30 days and those with more than 90 days delay.
Balance sheets of non-commercial associations
Until now, only the balance sheets of registered associations (declared to the Trade Register) were available in the intuiz+ platform. As of 21 October, Altares has been enriching its database with 20,200 association balance sheets from the RNA database, the French National Register of Associations.
Collective Agreements
There are 1015 Collective Agreements (IDCC) in France.
Altares collects and improves the reliability of “Collective Agreement” data thanks to its knowledge of the successor SIRET.
2.1 million SIRETs with an IDCC entered in intuiz+.
Where to find franchise links in intuiz+?
Collective Agreements are available at no extra cost, in the “identity” widget, at the establishment level.
Improved user and group management
- Search for a user with their email
- Filter by a user’s role
- Filter by group
- Expand the tree of groups and subgroups
- Duplicate the settings of a group or subgroup
- Move a subgroup to another group
Discover the latest intuiz+ module
Pilotage module
Identify at a glance which third parties are most at risk and most in arrears
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 and prioritise your collection actions effectively.
CHALLENGES
Your challenges
Finance / Credit Management
Managing customer credit risk
- Credit risk assessment and solvency risk
- Award policy and adjustments to your payment terms
- Reducing the risk of non-payment
- Collection strategy and accelerating collections
Procurement
Managing supplier risk
- Assessing supplier risk
- Avoid supply chain disruptions
- Sourcing new French suppliers
Business Development
- Prospect intelligence and building client portfolios
- Onboarding: starting a relationship
- Validation of outstanding amounts
- Competitive intelligence
Compliance
- Fraud prevention
- Identity checks
- Final Beneficiary searches
Features
intuiz+ features
A powerful search system: find what you are looking for quickly
- Fast or advanced search
- Auto-completion
- Search in France (company name, SIREN, etc.) and internationally (company name, DUNS number etc.)
Altares default risk score
- Key indicators to help you assess the risk of default
- A history of the score over 12 or 24 months
- Comments to help you interpret the score and inform your decision
Paydex: analyse the payment habits of your third parties
- Average number of days overdue
- Advised course of action
- 12 or 24 month history
- Links to our DunTrade partnership
Consultation of company data and credit reports
- All data in one click
- Flash credit reports that are comprehensive and customised to your needs
Portfolio: keep an eye on your third parties at all times
- Keep track of your third parties by adding them to your intuiz+ Portfolio
- Easily organise your portfolio with filters
Alerts: set up an effective monitoring system
- Be informed at every key event in the life of the companies you monitor
- Customise how you receive alerts
- Filter your alerts by type of event, date, identity, to get the key information
Place your orders directly from your interface
- Ordering official documents in paper or digital format
- Surveillance of Privileges (URSSAF, Public Treasury, complementary organisations)
intuiz+ adapts to your needs
- Customisable interface, customisable data module access
API
- intuiz+ web service: intuiz+ data directly at the heart of your information system
Comprehensive and qualitative data sources
- Diversity of collection and verification sources (Bodacc, Balo, SHAL, Insee, RNCS, JO Associations) grouped together in a modelled database
- Use of indicators exclusive to Altares: Default Risk Score and Paydex
- Data Quality Management process that ensures data control and consistency.
intuiz+ modules
Identity
Check the identity of a company, whatever its legal form (craftsman, limited company, association, etc.) and immediately assess its reliability thanks to the activity and collective procedure indicators. You can also take advantage of the continuous and transparent monitoring of data by Altares thanks to displayed historical data and update and validation dates. Finally, you benefit from an additional international reference identifier, the DUNS Number.


Score
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.


Payment
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.


Collective proceedings
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.


Financial information
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.


Legal announcements
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


Directors
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.


Guarantee links
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.


My reports
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.





Specific orders
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.





Financial analysis
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.





Operational decision-makers
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.





Steering: An optional intuiz+ module
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.
Compliance
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.


You want to learn more about intuiz+?
Contact one of our risk management expert. We'll be happy to help you