Sogedi

What Sogedi does

Sogedi SAS is a France-based financial mediation and civil investigation firm founded in 1994 and headquartered in Haute-Goulaine near Nantes. The company recovers unpaid receivables for institutional clients — banks, insurance and mutual organizations, water and energy utilities, telecommunications operators, and public-sector régies — through an amicable-to-judicial collection workflow (télérelance, amicable mediation, judicial recovery), backed by a CNAPS-authorized civil investigation unit that performs address searches, solvability assessments, and dormant-funds beneficiary research. Operations are organized across four proprietary digital platforms: Omega (enterprise client extranet for real-time case tracking), Sigma (debtor online payment and attestation portal), Recovry (a 2020 self-service portal for SMB and individual creditors), and SoLeg (2014 sub-brand focused on Loi Eckert dormant-account research for banks and insurers).

Revenue is generated primarily through success-based transaction fees proportional to amounts recovered, supplemented by professional-services fees for civil investigation and genealogy work; Recovry applies success fees only upon debtor payment or successful coordinate retrieval, with no case-file fees. The go-to-market is hybrid: direct enterprise sales with dedicated account management for ETIs and institutional clients, alongside PLG-style self-service on Recovry.fr for small-volume clients, and a debtor-facing Sigma portal. The firm holds CNAPS private-investigation authorizations and FIGEC federation membership, holds the Label Diversité certification, and is GDPR-compliant via an outsourced DPO relationship with Digitemis.

Ownership sits with SOGEFIB SARL (gérant M. Franck BERTAUD), with no disclosed external venture capital, private equity or public-market activity. Sogedi employs 170+ staff (91% women, 85% permanent contracts), manages approximately 1.4 million cumulative debts and 200,000 civil investigations annually, reached a disclosed €10M revenue milestone in 2021, and operates across metropolitan and overseas France with secondary offices in La Haye Fouassière.

Name

Sogedi

Legal name

Sogedi SAS

Website

https://sogedi.fr

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

51–100 employees

Short description

Sogedi SAS is a France-based financial mediation and civil investigation firm founded in 1994 that recovers unpaid receivables and locates debtors for institutional clients including banks, insurers, utilities, telecoms, and public régies. It operates four proprietary platforms (Omega, Sigma, Recovry, SoLeg) under success-fee economics.

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Collection Agencies (561440), Investigation and Personal Background Check Services (561611)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro industry

PRIMARYFSAKAJAD

Legal Collections & Litigation Support (Judgments, Garnishments)

Financial & Insurance/Lending & Consumer Finance/Debt Collection, Recovery & Servicing

SECONDARYBPAKAEAD

Fraud Investigations & Claims Support (Insurance/Financial)

Business & Public Services/Security & Investigations Services/Private Investigation & Background Screening

Keywords

• Debt collection services
• Civil investigations
• Financial mediation
• Accounts receivable management
• Dormant funds research

Headquarters

HQ city

Haute-goulaine

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Debt Collection Fees: Sogedi charges proportional fees based on amounts successfully recovered for clients. The company only charges when results are achieved, sharing economic interest with clients.
2. Digital Platform Services (Recovry): Recovry.fr platform charges a success fee rate when payment is received from debtor or when contact information is found. No case file fees applied.
3. Civil Investigation Services: Investigation and genealogy services for dormant accounts, address searches, and solvability assessments under SoLeg brand.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Sogedi provides professional debt collection services — preventive tele-relapsing, amicable financial mediation, and judicial recovery — alongside civil investigation services including debtor address lookup, solvability assessments, and dormant funds (Loi Eckert) beneficiary research. Services are delivered to institutional clients (banks, insurers, utilities, telecoms) and, via the Recovry digital platform, to small businesses and individuals on a success-fee basis. Civil investigations are conducted by CNAPS-authorized private investigators and genealogists with no outsourcing of core activities.

Product overview

Sogedi is a debt collection and civil investigation company offering a suite of services through its main brand and sub-brands. The core offering includes financial mediation (friendly and judicial) and civil investigation services. Key products include Sigma (debtor payment platform), Omega (client tracking extranet), Recovry (digital self-service for small volumes), and SoLeg (dormant funds/genealogy brand). The company operates primarily for institutional clients including insurance companies, banks, water/energy utilities, and telecommunications operators across metropolitan France and overseas territories.

Differentiator

Problem solved

Functional benefit

Brands

• Recovry: 100% digital self-service platform for small-volume debt collection and civil investigation, launched in 2020 for TPE, PME, and individuals. Offers dossier deposit, tracking, and payment-only-upon-result billing.
• SoLeg

Products and services

• Financial Mediation (Médiation financière) — amicable debt collection Amicable debt collection service that uses telephone and written reminders to contact debtors, negotiates payment arrangements, and resolves outstanding receivables without judicial proceedings. Delivered for institutional clients (banks, insurers, utilities, telecoms) and via Recovry for SMBs.
• Judicial Mediation / Judicial Collection (Médiation judiciaire) Judicial recovery procedures such as payment injunctions, conducted through a network of Commissaires de Justice when amicable mediation fails to resolve the debt. Engaged as a contracted service for creditors requiring escalation beyond amicable phase.
• Télérelance (Preventive telephone reminder) Preventive telephone reminder service for businesses to contact customers approaching payment deadlines, optimizing cash flow before debts become overdue. Aimed at creditors seeking to reduce delinquency upstream of formal collection.
• Civil Investigation (Enquête civile) Private investigation services including debtor address lookup, solvability assessments, beneficiary research for dormant funds, and document collection, conducted by CNAPS-licensed investigators. Used both to support internal debt collection cases and as a standalone service for banks and insurers.
• SoLeg — Dormant Funds Research (Loi Eckert) Dedicated sub-brand offering civil investigation and genealogy services for banks and insurance companies to locate beneficiaries of inactive bank accounts and unclaimed life insurance policies under the French Eckert Law (2014). Includes a secure online beneficiary portal (SoLeg platform) for document exchange and investigation status. CNAPS-authorized.
• Recovry — Self-service digital debt collection platform 100% digital self-service platform for small-volume debt collection and address lookup, enabling TPE, PME, and individual clients to deposit dossiers, track progress online, and access services with no case-file fees and success-only pricing.

Quantifiable outcome

• 94% investigation resolution rate for SoLeg civil investigations
• +3 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• FIGEC (Fédération Nationale de l'Information d'Entreprise, de la Gestion des Créances et de l'Enquête Civile)coreOthersActive member of the national federation for debt collection and civil investigation industry. FIGEC provides industry representation, professional standards, and networking for member companies.
• CNAPS (Conseil National des Activités Privées de Sécurité)coreOthersRegulatory body that issues professional licenses for private investigation activities. Sogedi's civil investigation operations are authorized under CNAPS licenses AUT-044-2112-08-25-20130344301 and AUT-044-2116-09-01-20170616885.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Intrum: Sweden-headquartered European leader in debt collection and credit management services, with extensive French operations. Directly comparable as an amicable and judicial recovery provider serving large enterprise clients across multiple verticals.
• EOS (Otto Group): German-based international debt collection and receivables management group with a French subsidiary. Competes directly with Sogedi across amicable recovery, judicial collection, and civil investigation services for institutional clients.
• Hoist Finance: Swedish debt purchaser and servicer operating across multiple European markets. Directly comparable as a pan-European debt collection specialist with similar amicable and judicial recovery capabilities for institutional clients.
• Kruk: Poland's largest debt management firm with operations across several European countries including France-adjacent markets. Comparable as a mid-to-large scale collection agency using proprietary technology platforms and a horizontal segmentation strategy.
• PRA Group: US-headquartered global purchaser and servicer of nonperforming loans with European operations. Comparable on the receivables management and recovery services side, though PRA's debt-purchase model differs from Sogedi's contingency-fee agency model.
• Lowell: Leading European credit management company headquartered in the UK, operating across multiple European markets. Directly comparable as a debt purchase and collection services provider serving banks, telecoms, and utilities.

Broad incumbents

• Coface: French global leader in trade credit insurance and credit management, including debt collection as part of a broader B2B credit-risk portfolio. Comparable on the receivables-management and corporate client base, though credit insurance is the core product.
• Allianz Trade (formerly Euler Hermes): Global trade credit insurance leader and part of Allianz Group, offering debt collection as part of a broader credit management portfolio. Comparable on the institutional client base (banks, insurers, large enterprises) and French market presence.

Emerging players

• Kroll: Global investigations, risk consulting and intelligence firm with significant civil investigation capabilities relevant to Sogedi's SoLeg line of business. Comparable on the licensed investigator / due diligence dimension rather than debt collection.

Others

• Boursorama (Société Générale group): French online bank part of Société Générale group; indirectly comparable as a financial institution that generates the types of receivable and dormant-account workflow that Sogedi's SoLeg and debt collection services address.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCW55XFN_gz-UO1_mfSu5uhw
• Facebookfacebook.com/Sogedi-114343063320689
• LinkedInfr.linkedin.com/company/sogedinantes?original_referer=
• Xx.com/sogedinantes

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sogedi