Gestion Credit Expert

Increase your cash flow and reduce your credit risk

In an uncertain economic context,
quickly collect your debts thanks to our expertise and your unpaid debts personalized follow-up

Gestion credit expert 
A debt collection company serving businesses

A debt collection company serving businesses

100% French and independent

A debt collection company serving businesses , GESTION CREDIT EXPERT is 100% French and independent.


Our teams support and bring together the managers, Finance and Credit Management functions of VSEs, SMEs, Mid-caps and Large Groups, whatever their sector of activity, through its 3 business lines, Debt Collection, Credit Management Consulting, B2B and B2C Investigations, to improve their cash flow and reduce their customer credit risks.

The debt collection agency head office is in Toulouse, the group's 50 employees are spread over 7 French cities and rely on an international network of300 partenaires , which also enables them to intervene worldwide for collecting unpaid invoices. GESTION CREDIT EXPERT is ISO9001 certified and holder of the CSR label « ECOVADIS Gold ».


Together, let's preserve the financial health of your company thanks to a tailor-made approach and a results-oriented organization and customer satisfaction to reduce payment terms and the number of your unpaid debts.


Discover our solutions in our video


Civil investigations and commercial information in France and internationally

Acting in the field to find your debtors or validate commercial and financial information on your clients.

Our CNAPS accredited research agents conduct customised civil investigations to meet your requirements with a personal touch. Our specialist commercial information analysts enable you to anticipate and manage your client credit risks.

Everything you need to know about debt collection in France and abroad

What is a debt collection company?

A debt collection company mediates between suppliers and customers in case of unpaid invoices.

It is not only a question of collecting the sums which are due, it is a question of bringing back cash quickly while preserving and smoothing the commercial relations between the creditor and his debtor.

The debt collection firms activity like that of GCE-FRANCE CRÉANCES is an essential part of our economic system, especially in a context where payment delays are increasing.

At GCE- FRANCE CRÉANCES, we know how to listen and adapt to each situation to find an amicable solution in 80% of cases.

How does a debt collection company work?

As soon as there is a delay in payment, even for a single day, there is a legal default.

As soon as the debt collection company receives a mandate from the creditor to collect the amounts due, it immediately triggers a tailor-made treatment adapted to each type of debt, according to the activity sector, the unpaid invoice amount or age.

Collection actions follow strategies that include, among other things, written reminders, follow-up phone calls, emails and SMS, home visits, etc.

In short, specialized debt collection companies like GCE-FRANCE CRÉANCES function as economic and social facilitators, capable of streamlining commercial relations, negotiating and finding amicable solutions so that their clients are paid quickly while preserving their image.

How to proceed with a recovery?

There are 2 types of debt recovery procedures: amicable recovery and judicial recovery. These are legal remedies used by the creditor to show the debtor that he is determined to recover the money owed to him.

It is of course possible to proceed directly to a judicial debt collection; it is however recommended to start with the amicable debt collection.

Amicable debt collection: the first recourse

Amicable recovery operations consist of the debtor personalized recovery in strict compliance with the provisions of the Code of Civil Procedures for Execution (articles R.124-1 to R.124-7) and the ANCR Code of ethics.

Interventions with debtors are carried out by telephone, by letter (sending a formal notice) or by home visit.

Those of GCE-FRANCE CRÉANCES are planned, coherent, punctuated and monitored over time with the aim of quickly obtaining the settlement of an unpaid invoice from your client without resorting to legal proceedings.

Judicial debt collection: the last resort

Judicial or litigation recovery consists of entering the competent court in order to obtain the compulsory payment of your debt when all the amicable reminders and attempts at negotiations have failed.

The first step is to obtain an enforceable title against your debtor client. This legal document, which must be served by bailiff, will allow you to continue the enforcement of your claim.

There are several legal recovery procedures for unpaid debts such as an order to pay, summons to the fund or interim relief. To each situation corresponds an adapted legal procedure.

With its network of 300 correspondents made up of lawyers and bailiffs in France and abroad, GCE-FRANCE CRÉANCES allows you to avoid unnecessary costs through its perfect control of litigation collection.

Who pays the bailiff for the collection? 

When a court decision is rendered (judgment or order for payment) and it is not contested, the file is entrusted to a bailiff. The latter then sets up execution procedures (allocation entry, sale entry, etc.).

The costs of these procedures are the responsibility of your debtor client, unless the latter is insolvent.

What is the limitation period?

The prescription of a claim means the period beyond which legal action is no longer possible.

In general, the limitation periods in civil and commercial matters begin to run 30 days from the date of receipt of the goods or the performance of the provision of services. This period is reduced to 20 days when the invoice concerns certain products, such as perishable products.

It also sometimes happens that the seller sets different payment terms, within the limit of 60 days after the invoice date of issue. In this case, the period begins to run at the end of the 60 days.

Two types of prescriptions are to be distinguished, in B2B or B2C matters.

Commercial prescription occurs in relations between two companies. The creditor has 5 years to collect his unpaid invoice.

Civil prescription applies in the relationship between a business and a particular consumer. In this case, the debt limitation period is reduced to 2 years.

How do I collect my debt if my client is in insolvency proceedings? 

When a company files for bankruptcy, in more than 90% of cases the procedure ends in compulsory liquidation. The initiated insolvency proceedings thus deprive all creditors of the right to act individually against them.

To recover your unpaid debts, you then have the obligation to declare your debts to the legal representative. The declaration deadline for creditors domiciled in metropolitan France is 2 months from the publication of the opening judgment in BODACC.

If you have exceeded the legal deadline, you still have the option of asking the commissioner to be released from foreclosure under certain conditions.

GCE-FRANCE CRÉANCES supports you in the management of your files concerning debtors in safeguard, reorganization or liquidation.

How much does a debt collection procedure cost? 

At GCE-FRANCE CRÉANCES, we offer a win-win approach. Our fees are mainly due only in the event of success in collecting your debts from your debtors and are calculated according to the amount of each outstanding payment, the country of your debtor customer. In accordance with the regulations in force, these fees remain the responsibility of the creditor.