Blitz

What Blitz does

Blitz Business Service is a privately held French software editor and systems integrator founded in 1995 and headquartered in Villefontaine, France, with secondary offices in Lyon and Guilherand-Granges. The company specializes in credit granting (octroi) and debt collection (recouvrement) solutions for banks, financial institutions, and large enterprises. Its core product, Blitz Collection – MyGircPro, is an integrated debt collection management platform covering the full lifecycle from multi-credit case management and stakeholder handling through automated scenario workflows, ETL integrations, invoicing and accounting entry generation, judicial phase management, and debtor and client self-service portals. A complementary offering, branded as Blitz Octroi, provides real-time online subscription and credit decisioning, aggregating external information, calculating AI-based risk of non-payment or abandonment, automatically approving or refusing applications, generating digital contracts, and integrating with client CRMs and performance dashboards.

Underlying the applications is an in-house data science and machine learning capability that produces specialized models for real-time risk estimation, debt portfolio pricing, economic analysis, continuous scoring of debt stock, automatic orientation of collection flows, and optimal strategy determination. Blitz also operates as a regional implementation specialist for FICO's intelligent decisioning platform, with the most notable deployment being Vietnam Maritime Bank, where credit approval turnaround was reduced from 30 to 15 minutes across 260 branches. The company holds ISO 27001 certification and is a member of The Shift Project think tank.

Blitz monetizes through a mix of software licensing (typically enterprise subscription), integration and consulting engagements, managed services (hosting, support, evolutionary maintenance), and training delivered via its wholly-owned subsidiary Erival Ingénierie (Qualiopi-certified). The go-to-market combines direct enterprise sales in France with channel-led international expansion through FICO, and the named customer base spans retail (Carrefour, Auchan, Monoprix, Franprix), banking (BNP Paribas, MSB), transport (SNCF, Cabot), energy (Eni), and business services (Edenred, Konecta). The firm reports a headcount of 1–10 employees and operates primarily in France with a presence in Vietnam via the FICO partnership.

Name

Blitz

Legal name

Blitz Business Service

Website

https://blitzbs.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

1–10 employees

Short description

Blitz Business Service is a French software editor and systems integrator specializing in AI-enabled credit granting (octroi) and debt collection (recouvrement) solutions for banks, financial institutions, and large enterprises across France and select international markets via FICO.

Ownership category

akta.pro rank

Headquarters

HQ city

Villefontaine

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Software Licensing - Blitz Collection MyGircPro: Blitz licenses its proprietary collection management software platform to enterprise clients. The platform is a comprehensive integrated solution for managing the full debt collection lifecycle, suggesting a recurring licensing or subscription revenue model.
2. Granting Solution Integration: Blitz integrates real-time subscription and credit granting processes for clients, providing technology integration services for the credit lifecycle.
3. Consulting and Data Science Services: Blitz provides consulting services and data science/machine learning studies applied to credit granting and collection, including model development and strategy optimization.
4. Training Services (Erival): Blitz's subsidiary Erival offers fee-based training programs on its software platform (Blitz Collection MyGircPro) as well as third-party ERP systems (Divalto, Odoo, Easymag). Training is priced per program with clear fee structures (e.g., 3,000€ HT for 20 hours).
5. Application Hosting and Maintenance: Blitz offers hosting, operational monitoring, support, application maintenance, and evolutionary maintenance services as part of its complete service offering.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

Blitz Business Service develops and licenses proprietary AI-enabled software for credit granting (octroi) and debt collection (recouvrement). Its flagship platform Blitz Collection – MyGircPro is an integrated collection management solution covering multi-debt case handling, stakeholder management, payments, scenario automation, ETL integration, invoicing, accounting, judicial phase management, and debtor portals. The company also integrates real-time credit granting journeys with AI-based risk calculation and automatic approval, and provides consulting, data science services, hosting, support, and training through subsidiary Erival.

Product overview

Blitz Business Service offers a unified portfolio of credit granting and debt collection solutions. The core offerings consist of Blitz Collection - MyGircPro, an integrated debt collection management platform handling multi-credit cases, stakeholder coordination, payment processing, scenario automation, legal phase management, and debtor portals; and Blitz Octroi, a real-time online subscription and credit decisioning platform that aggregates external data, calculates AI-based risk scores, enables automatic approval workflows, and generates digital contracts. A third pillar is consulting and data science services applying machine learning to real-time risk estimation, debt portfolio pricing, and collection optimization. Erival, the training subsidiary, provides professional certification courses on Blitz software and partner platforms (Divalto, Easymag, Odoo). The portfolio is ISO 27001 certified.

Differentiator

Problem solved

Functional benefit

Brands

• Blitz Collection - MyGircPro: Integrated debt collection management solution featuring multi-debt case management, stakeholder management, payment processing, scenario automation, mass actions, ETL integration, invoicing, accounting entry generation, legal phase management, and debtor/customer portals
• Erival
• Erival Ingénierie

Products and services

• Blitz Collection - MyGircPro Integrated debt collection management software covering multi-debt case handling, stakeholder management (debtors, co-debtors, guarantors, judicial commissioners, lawyers, courts, investigators), customer and contract management, payment capture and promise-to-pay plans, scenario and agenda management, mass action campaigns, ETL integration, invoicing and compensation, accounting entry generation, judicial phase management, rights management, and self-service debtor and customer portals. Built for financial institutions, credit companies, and businesses with debt portfolios.
• Blitz Octroi Real-time credit granting integration platform that aggregates external prospect information, calculates non-payment and abandonment risk via AI models, applies rule-based automatic approval or refusal scenarios, generates and digitally signs contracts, integrates with client CRM systems, and tracks performance indicators such as grant rate and abandonment rate. Designed for banks, credit institutions, and lenders seeking to digitize and accelerate lending decisions.
• Blitz Conseil et études (Data Science and Machine Learning Consulting) Consulting and applied data science services in which Blitz's team develops specialized AI and machine learning models for real-time risk estimation, debt portfolio pricing, economic analysis, continuous scoring of debt stock, automatic orientation of collection flows, and optimal strategy determination. Targeted at financial institutions and credit operators needing custom AI models for granting and collection.
• Erival Training Programs Qualiopi-certified professional training courses delivered by Blitz subsidiary Erival Ingénierie, covering Blitz Collection – MyGircPro software (Foundation, Advanced, Expert tiers), Divalto Commerce & Logistique, Divalto Production et fabrication, Divalto Affaires, and Odoo modules (Achats, CRM, Vente). Pricing is per program (e.g., 3,000€ HT for 20-hour Foundation training). Eligible for OPCO financing.

Quantifiable outcome

• 200% improvement in loan approval speed (from 30 to 15 minutes) at Vietnam Maritime Bank across 260 branches serving 8+ million retail customers and nearly 100,000 business clients
• +3 more outcomes

Named customers13 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature4 records

Partnerships

One partnership is on record.

• FICOcoreTechnology or IntegrationBlitz serves as a regional technology specialist and implementation partner for FICO's intelligent decisioning platform. In this capacity, Blitz implements FICO's AI and machine learning credit decisioning technology for financial institution clients. The partnership with FICO enabled the Vietnam Maritime Bank project, achieving 200% improvement in loan approval speed across 260 branches. Blitz is exploring extending the partnership into customer management and debt collection.

Scale indicators5 records

Recent moves4 records

Expansion highlights5 records

Broad incumbents

• Pega: Pega offers real-time AI decisioning, case management, and customer engagement for banking, collections, and financial services. Competes with Blitz's MyGircPro in collections case management and decision automation, but as a broader enterprise platform vendor.
• Experian: Experian is a global credit bureau and analytics provider offering credit decisioning, collections, and identity tools. Comparable to Blitz on the credit data, risk scoring, and collections workflow side, though at much broader scale and different primary business model.
• Sopra Banking Software: Sopra Banking Software provides lending, risk, and collections solutions to European banks, headquartered in France. Directly comparable geography and customer base to Blitz, though at a significantly larger scale and broader product portfolio.
• Temenos: Temenos is a major banking software platform covering core banking, lending, and risk analytics. Comparable to Blitz as a vendor serving European banks' credit decisioning and digital lending needs, though Temenos operates at a much broader platform scope.

Direct peers

• FICO: FICO is the global leader in credit decisioning analytics and the platform Blitz implements for its bank clients (e.g., MSB). They are simultaneously Blitz's strategic partner and the closest direct comparable in intelligent decisioning for credit and collections.
• ACTICO: ACTICO provides decisioning and rules-management software for credit lending, compliance, and collections workflows across European banks and insurers. Highly comparable to Blitz as a European-headquartered provider of credit and collections decision automation.

Emerging players

• Provenir: Provenir provides AI-powered risk analytics and decisioning for credit and fraud, similar to Blitz's specialized AI models for credit granting. Compares as a more pure-play fintech alternative targeting banks and lenders with AI risk decisioning.
• Yields.io: Yields.io provides AI model validation and decisioning analytics for banks, comparable to Blitz's data science and ML model development for credit risk. Smaller, more specialized competitor serving European banks on the analytics layer.
• CollectAI (Atruvia): CollectAI (now part of Atruvia) provides AI-driven collections software used by European banks and utilities. Closely comparable to Blitz Collection MyGircPro as a digital collections workflow and debtor-engagement platform in the European DACH/German market.
• Mambu: Mambu is a cloud-native lending and banking platform serving fintechs and banks with credit origination and account management. Comparable to Blitz's Octroi credit-granting platform, though Mambu focuses more on core loan origination rather than AI risk decisioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/blitz-b.s.

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

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 Blitz