A growing need for high added-value data and powerful key indicators to anticipate non-payments and master customer risk: who said that Business Information services were only for large companies? Sharing experience and use cases of Coface's Business Information solutions with Nicolas Brion, from Moine Recyclage, a French SME with that manages its commercial risks with Urba360.
Be informed to protect from unpaid debts and manage client risk
Before its independence in 2010, Moine Recyclage was part of a group that used trade credit insurance to protect its business from bad debts and to secure and develop its operations.
"We used it on a per-case basis, as we had only a few claims at entity level", explains Nicolas Brion, Operations Director of Moine Recyclage.
After splitting from the Group, the entity, which is now an SME with around 20 employees, adopted a different credit risk management strategy.
We turned to financial information to act upstream and anticipate non-payments, emphasises Nicolas Brion.
With the following approach: ‘Providing an internal safety margin to cover potential non-payments, while having an effective information system to provide alerts on the financial health of a prospect or partner’, he adds.
Since 2024, Moine Recyclage has been using Coface's Business Information services and Urba360 digital platform to manage its client risk and ensure the reliability of its business partners. Overall, Moine Recyclage's client portfolio includes 350 counterparties to be assessed.
"Urba360 gives us a comprehensive analysis of companies, based on a set of key indicators. This enables us to effectively monitor the solvency of our partners on a daily basis and to tailor our commercial management and payment terms accordingly, particularly the level of credit granted" explains Nicolas Brion.
“Complete confidence in Coface's rich data and unique insights”
The Operations Director, who has already gained experience in his previous positions using data from world leading information providers, now knows exactly what he needs in terms of financial information: qualified, enriched data, easily accessible in real time.
We mainly use the score, the credit opinion and the financial ratios to have a clear, fast and accurate overview of the level of commercial risk. The key difference is that Coface's data is enriched daily by their experts.
For cases requiring more detailed analysis, Moine Recyclage relies on additional indicators provided by Coface Business Information.
"Coface's explanation of its credit report and score allows us to better understand whether the bad assessment is due to a lack of information about the company or because the prospect is a bad debtor."
“An invaluable business decision-making solution for an SME like us”
As part of the development of its operations, Coface Business Information services help Moine Recyclage navigate a more complex and uncertain business environment, where polycrises have become the new norm.
For an SME like us, this commercial decision-making solution is even more invaluable than for large companies, which have easier access to information and have financial and human resources dedicated to credit risk management.
emphasises Nicolas Brion.
Through the email alert system and update notifications in particular, the Urba360 platform and the responsiveness of the teams facilitate the daily management of the accounts receivable:
"The updated credit reports give us a much clearer view of our portfolio and save us a lot of time and make us much more efficient in our daily monitoring.
The Urba360 platform offers us a high degree of autonomy and customisation: we can manage on a case-by-case basis, and when a prospect has not yet been assessed, the teams are responsive in obtaining additional information", he adds.
By partnering with Coface, Moine Recyclage benefits from insights that go beyond the strict scope of financial information and help it in its routine management.
As a global expert in trade credit insurance and debt collection, Coface provides us with unique information on commercial risk. I have complete confidence in Coface's enriched data: as soon as there is a downward change, I adapt the payment conditions with my partners, such as payment in advance, for example.We can manage client risk in a more flexible way with regard to our commercial partners.
says Nicolas Brion.
About Moine Recyclage
Founded in 2010, Moine Recyclage develops and distributes high-quality, high-performance products for sports, recreational and decorative flooring: playgrounds, athletics tracks, multisports pitches, tennis courts, etc. Established on the French market, as well as in Belgium, Switzerland and Luxembourg, this SME with around twenty employees offers a wide range of elastomers and polyurethanes for professionals in the sector.
