{"id":9865,"date":"2025-07-10T16:54:16","date_gmt":"2025-07-10T14:54:16","guid":{"rendered":"https:\/\/www.gestioncreditexpert.com\/how-to-assess-the-risk-of-non-payment-of-receivables\/"},"modified":"2025-08-27T17:40:49","modified_gmt":"2025-08-27T15:40:49","slug":"how-to-assess-the-risk-of-non-payment-of-receivables","status":"publish","type":"post","link":"https:\/\/www.gestioncreditexpert.com\/en\/how-to-assess-the-risk-of-non-payment-of-receivables\/","title":{"rendered":"How to assess the risk of non-payment of receivables?"},"content":{"rendered":"\n

Debt collection<\/a> is a major strategic issue for any company concerned with preserving its cash flow and avoiding the permanent loss of uncollectible debt. Preventing the risk of non-payment and anticipating the consequences of an unpaid debt requires a rigorous analysis of the customer’s financial situation, the amount of the debt, the payment deadlines granted, and the available guarantees. <\/p>\n\n

Debt collection agencies, bailiffs (the new name for bailiffs), and credit insurance services play an essential role in assessing solvency and implementing an effective recovery process, whether amicable or legal.<\/p>\n\n

<\/span>1. Analysis of the debtor’s profile<\/span><\/h2>\n\n
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\"Oneline<\/figure>\n\n\n\n

The first step is to collect as much information as possible about the debtor, whether an individual or a company.<\/p>\n<\/div>\n\n

<\/span>Payment history<\/span><\/h3>\n\n

Debt collection agencies<\/a> can consult the B2B debtor’s payment history. This is because they generally have the best tools for financial information on companies. If the debtor has already presented late or unpaid invoices<\/a> , this increases the level of risk. Some companies are registered in databases such as the Banque de France<\/a> , payment incident files (FICP, FCC), or the Banque de France files for businesses (FIBEN). <\/p>\n\n

<\/span>Financial data<\/span><\/h3>\n\n

A company’s accounting data (balance sheets, income statements, trade payables, cash flow) provide clear indicators of its solvency. In case of doubt, indicators such as the average supplier payment period or the debt ratio can help anticipate a deterioration in the situation. <\/p>\n\n

<\/span>Internal rating or scoring<\/span><\/h3>\n\n

Debt collection companies sometimes use an internal scoring system based on objective criteria: sector of activity, size of the company, country of establishment, frequency of reminders, behavior in the face of amicable attempts, etc. This score then guides the recovery strategy ( amicable<\/a> or legal<\/a> ). <\/p>\n\n

<\/span>2. Typology and age of the claim<\/span><\/h2>\n\n

Not all receivables present the same level of risk. The characteristics of the receivables strongly influence the likelihood of recovery. <\/p>\n\n