What are the risks involved?

Inter-business credit in France is of the order of €660 billion (8.5% of assets). Trade receivables generally represent 30% of the total 'assets on companies' balance sheets.
A company is therefore running a significant risk - the one of an unpaid debt, on both the domestic and export markets. This non-payment on the due date is the cause of one business failure out of four - known as the domino effect.
In order to offset this loss, the company will have to do make additional commercial efforts in terms of sales revenue.

It is therefore imperative to secure your trade receivables : credit insurance will protect you against the trade risk (non-payment or insolvency of the debtor), the political risk (event of a political nature which may generate losses) and will enable you to smooth out your losses over time.

What are the credit insurance levers?

Regardless of your company's size and activity, the credit insurer offers:

  • 1) An upstream evaluation en amont de la solidité financière des clients et des prospects en France et à l'étranger, ce qui permettra le développement du Chiffre d'affaires en toute sécurité.
  • 2) L'externalisation du recouvrement auprès d'un partenaire expérimenté.
  • 3) En cas d'impayé définitif, l'indemnisation viendra préserver la marge et la trésorerie.

L'assurance-crédit permet d'optimiser le besoin en fonds de roulement et accessoirement de sécuriser les partenaires bancaires.

Diot Credit's role
  •  To analyse and identify your bad debts in order to develop suitable and tailor-made solutions.
  • To negotiate the terms of your contract with the best credit insurer identified, and then to implement them.
  • To evaluate your management requirements and to assist you on a day-to-day basis, using our dedicated teams and our tools.
  • To regularly measure and manage the solution implemented with the help of reportings and dashboards, in order to verify its relevance and to improve it.
Diot Credit's strong points
  • A broker with a strong entrepreneurial spirit, backed up by a solid group.
  • A broker/adviser constantly seeking innovation and added value.
  • Second-largest French player in the specialised brokerage market within ten years, hence an excellent knowledge of the market and significant weight amongst its players.
  • An international network - Astreos.
  • A team of 48 experts originating from the fields of credit insurance, credit management and financing.
  • Day-to-day management of credit-insurance with a team of 11 persons who perform appeals to the insurance companies.
  • Proprietary and exclusive tools to best serve our clients.