Make smarter business decisions with Coface Business Information

By using our solutions, our customers have access to high-quality business information. Our data is enriched through multiple sources, some of which are collected locally, close to the companies, and sometimes confidential because they are directly linked to our long experience as a credit insurer. 

Companies that use our solutions have simple tools for analysing their business partners and assessing their financial health. By relying on our data, they optimise their decision-making in managing various risks: credit risk, commercial risk and financial risk. 

This exclusive and constantly updated information makes Coface Business Information a particularly reliable provider of information for risk assessment. 

Coface helps companies reduce credit risk by giving them access to solutions that enable them to anticipate and avoid potential commercial and financial problems with their business partners. 

By obtaining valuable information on the health of their trading partners (customers, prospects and suppliers), companies like yours can anticipate future defaults or payment failures. This means you have reliable information on which to base your decisions. 

Well-informed companies can, for example, adjust the maximum amount of credit they grant to each of their customers based on their risk appetite. 

They also have indicators to detect a supplier's financial difficulties and can therefore seek new partners to avoid disruptions that would impact on their supply chain and threaten their own financial stability. 

Coface collects a wide range of business data, including global, real-time, and enriched information from both public and alternative sources through partnerships with regional data providers.  

We obtain data on companies from publicly available financial information, but we go much further by integrating our own macroeconomic analyses (which take into account sector risk country risk, political risk, etc.), information on payment delays or defaults from our experience as a credit insurer, data on companies' profitability and solidity, and more. These analyses enable us to accurately assess and verify a company's financial health and help bring confidence to every risk management decision. 

The data is used to create credit risk profiles of clients and suppliers, incorporating insights on sectors, locations, and payment behaviours. Watch the 2-minute video here.   

The Coface Score, an indicator integrated into Coface Business Information solutions, is presented in the form of a score on a scale of 0 to 10. It provides a simple assessment of a company's health by giving visibility on its risk of default within 12 months. 

This score, which directly reflects a company's probability of default, is calculated by integrating various elements, including information on the company's management, its financial strength, its profitability and its history of any payment incidents. It also incorporates environmental factors related to sector, country and political risks. 

Coface has key data to assess a company's financial health. We do not limit ourselves to publicly available information but also have exclusive information directly from our experience in credit insurance. We have access to a company's payment behaviour, know how to assess its risk of payment default and therefore its risk of failure. Our business information tool, Urba360  enables you to anticipate the possible default of your business partners. 

We provide various types of information enabling you to assess the health of your business partners and their financial strength. 

With Urba360, you can launch searches in just a few clicks. Consult company profiles, access their financial accounts and ratios, indicators for assessing their profitability and solvency, personalised credit recommendations, and more. 

With this financial and commercial information on companies, you can easily assess their risk of default ahead of time and therefore identify the commercial risk associated with a partner. 

Our information is more comprehensive and of higher quality than publicly available information, and therefore significantly more reliable. Coface’s data is reliable because it is sourced globally in real time from both public and alternative channels, including partnerships with top regional information providers. Additionally, our 600 risk experts enrich and validate this data daily across 60 data centres, using advanced technologies and decades of expertise to produce predictive credit risk scores and insights on over 245 million companies.  Most importantly, Coface uses this same data to underwrite nearly ~€725 billion in trade credit insurance annually, demonstrating full confidence in the quality and accuracy of the information for its own business decisions.  

Our models and algorithms enable us to anticipate a company's solvency and the risk of default over a 12-month period. By accessing our information solutions and expertise, you benefit from the means to anticipate risks, detect weak signals and identify new trends. 

Our clients' ability to make the best decisions for their risk management stems from the access we give them to three levels of analysis (descriptive, predictive and prescriptive). 

Descriptive analysis: our financial information provides a detailed analysis of companies based on up-to-date data. This enables our customers to understand the financial situation of their business partners. 

Predictive analysis: data is used to detect weak signals and anticipate financial risks and the risk of default over a 12-month period (Coface score). 

Prescriptive analysis: based on data and our predictive analyses, our personalised credit recommendations help companies define the maximum amount of credit to grant to each of their customers. This reduces commercial risk. 

You can download information reports on a company. Two versions are available: the Summary Report, which is high level, and the Full Report, an in-depth product designed for managing your commercial risk. The information report contains basic information about the company, payment experience from third-party sources, comprehensive financial data, key figures, the Coface Score and credit opinions.

Coface covers a truly global scope, providing data and insights on over 245 million companies across 200 markets. Their reach is supported by partnerships with top information providers in each region, ensuring access to locally sourced data from countries all around the world. Coface has 53 data collection and analysis centres around the world, with more than 600 risk experts (underwriters, analysts, economists) collecting local information to enrich the database.

When you notice significant changes in the financial indicators of the trading partners you monitor through our alert systems, you can adjust your strategy to anticipate risks. 

For example, you can choose to review the maximum amount of your outstanding receivables or conduct research to identify new prospects if you fear that some of your customers or suppliers are at risk of default. 

Coface Business Information services enable purchasing and supply chain managers to keep their businesses running smoothly by avoiding potential supply chain disruptions. 

 Our business information solutions help you check the financial health of a company at any time and therefore assess the stability of all your trading partners. You can carry out research at any time to check the financial health of a company and assess the solidity of all your trading partners. Financial accounts and ratios, as well as indicators tracking payment defaults, provide valuable information for anticipating potential failures. 

To protect your business and secure your supply chain, you can then search for new suppliers with better financial strength.