What Recouvrer.fr does

Recouvrer.fr SAS is a French online debt collection platform founded in 2021 by Hervé Gallet, a former Huissier de Justice with over a decade of enterprise collection experience, and headquartered in Aubusson, Creuse. The company is registered as a "société de recouvrement" with the Procureur de la République of Guéret and holds professional liability and financial risk insurance underwritten by Allianz, operating under Articles R.124-1 et seq. of the Code des Procédures Civiles d'Exécution. It serves French professionals — primarily SMEs, micro-enterprises, and auto-entrepreneurs — who need to recover unpaid B2B invoices, with additional sector-specific content for transport/logistics, ambulance/medical transport, and service providers/consultants.

The platform is a self-serve SaaS portal built around three tiers: Pack Autonome (free self-service with template letters and a guided collection scenario), Pack Express (40€ HT flat fee for a single bailiff-sent mise en demeure), and Pack Complet (full-service collection with a 12% HT success fee on recovered amounts, rising to 14.5% HT for invoices 120+ days past due). A judicial collection add-on extends the service into injonction de payer and asset seizure procedures at fixed fees of 340€ HT (debts under 5,000€) and 540€ HT (above). Behind the platform sits a nationwide partner network of Commissaires de Justice who execute formal collection actions, supported by referral partnerships with at least eleven accounting and advisory firms (CAPEC, Aliantis, Axiome, Pansard, Jegard Creatis, Sodarex, Cogest, GFE, GVA, BDL, FNA). All infrastructure is hosted in France via Celeonet, and the platform is GDPR-compliant.

The business model is outcome-based: the primary revenue stream is a 12–14.5% HT success fee on amounts actually recovered, with no upfront cost to clients. Recouvrer.fr publicly reports that in 2025 it enabled clients to recover more than €1.4 million of unpaid invoices, with an average 9-day reversal timeline to client accounts and a 40% collection rate on debts under €400. The company is privately held, founder-owned, has no external funding rounds on record, and operates a 1–10 person team.

Name

Recouvrer.fr

Legal name

RECOUVRER.FR

Website

https://recouvrer.fr

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Recouvrer.fr is a French online debt collection platform launched in 2021, enabling professionals to recover unpaid invoices through a tiered service model. The platform combines automated self-service tools with a nationwide bailiff network, charging success-based fees on recovered amounts.

Ownership category

akta.pro rank

Product category

Commercial Debt Collection Services

NAICS

Collection Agencies (56144), Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB)

akta.pro secondary industry

Collections, Recovery & Debt Management Platforms (FSAGAHAI)

Keywords

• Commercial debt collection
• Invoice recovery services
• Amicable debt recovery
• Judicial debt collection
• B2b debt recovery

Headquarters

HQ city

Nouvelle France

HQ country

Mauritius

HQ region

Africa

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Success-based collection fees (Complet pack): The primary revenue stream is a commission (success fee) taken only when debts are successfully recovered. For invoices under 120 days past due: 12% HT of recovered amounts. For invoices 120 days or more past due: 14.5% HT. This aligns company incentives with client outcomes and represents the core business model.
2. Fixed-fee express service: Fixed price service (40€ HT) for a single formal demand letter (mise en demeure) sent by a bailiff/huissier. This is a one-time service with no success component.
3. Autonomous platform access: Free self-service tier providing access to collection scenario tools, letter templates, and guidance. No direct revenue but drives conversions to paid tiers.
4. Judicial proceedings management fees: For judicial recovery, a flat fee proposal covering legal representation and court costs. Includes Recouvrer.fr management fees plus external costs (lawyers, court registry fees). Recovery is guaranteed for amounts below 5000 euros at 340€ HT.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Recouvrer.fr operates an online SaaS platform dedicated exclusively to professionals for amicable and judicial debt collection on unpaid commercial invoices. The platform offers three tiers — a free self-service Pack Autonome, a fixed-fee Pack Express (40€HT for a bailiff-sent mise en demeure), and a full-service Pack Complet (12%HT success fee on amounts recovered) — coordinated through a nationwide network of Commissaires de Justice (bailiffs) for formal and judicial recovery actions.

Product overview

Recouvrer.fr is a French online debt collection platform dedicated exclusively to professionals (B2B), offering three progressive service tiers built around a centralized SaaS portal. The core offering consists of Pack Autonome (free self-service with automated collection scenarios and template letters), Pack Express (40€HT flat-fee bailiff-sent mise en demeure), and Pack Complet (full-service collection with a 12%HT success fee, managed by Recouvrer.fr and its network of bailiff partners). An add-on judicial collection module extends the service to court-filing, injonction de payer procedures, and forced execution (seizure of wages, bank accounts, or property). All cases are managed through the Recouvrer.fr web platform, which provides real-time tracking, statistical dashboards, and automated multi-channel relances (email, SMS, phone, post). The platform centralizes management of collection dossiers across all of France, with a 9-day average reversal timeline and no upfront cost for the Autonome tier.

Differentiator

Problem solved

Functional benefit

Products and services

• Pack Autonome Free self-service debt collection package allowing professionals to manage their own collection process using an automated scenario, with pre-written letter templates, phone-call scripts, and a secure dashboard for real-time tracking. Designed for micro-enterprises and SMEs wanting to attempt recovery themselves.
• Pack Express For a flat fee of 40€HT, a partner Commissaire de Justice (bailiff) sends a formal mise en demeure (payment demand letter) by registered mail to the debtor. One-time fixed fee with no success component.
• Pack Complet Full-service debt collection where Recouvrer.fr and its nationwide network of bailiffs handle the entire process from initial relances through multi-channel outreach to payment recovery. Pricing is success-based at 12%HT of recovered amounts for invoices under 120 days past due and 14.5%HT for invoices 120+ days past due, with full reversal of collected amounts to the client and no upfront cost.
• Recouvrement judiciaire (Judicial Debt Collection) Judicial collection service guiding clients through court proceedings including injonction de payer (payment order), asset seizure procedures (wages, bank accounts, property), and execution of court orders. Flat-fee pricing of 340€HT for debts between €1,200 and €5,000 and 540€HT for debts above €5,000, covering formal demand letter, court filing, judgment notification, and registry fees.
• Recouvrer.fr Platform Centralized online SaaS portal that underpins all service tiers: clients file and track debt collection cases, access real-time case status, generate template letters, view statistical dashboards, and manage encaissements through a secure user dashboard.

Quantifiable outcome

• 1.4M€+ in unpaid invoices recovered for clients in 2025
• +5 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

14 partnerships are on record, tiered core and minor.

• Allianz InsurancecoreOthers · 4 January 2021Allianz provides professional liability insurance and financial risk coverage for Recouvrer.fr. Insurance coverage is mandatory for registered debt collection companies in France and protects client funds held by the company. Policy held at Allianz, 1 Cours Michelet, 92076 Paris La Défense.
• Network of Commissaires de Justice (Bailiffs)coreStrategic or Co-development PartnerRecouvrer.fr partners with multiple Commissaires de Justice (formerly Huissiers de Justice) studies across France to execute formal collection actions. Partners are selected for competence and effectiveness and operate under negotiated rate agreements. They handle formal demand letters, court filings for injunctions-to-pay, judgment notifications, and asset seizure procedures.
• CAPECminorGTM or Marketing PartnerProfessional accounting firm featured as a partner/referral relationship for debt collection services.
• AliantisminorGTM or Marketing PartnerAccounting and financial advisory firm partner.
• AxiomeminorGTM or Marketing PartnerFinancial services partner firm.
• PansardminorGTM or Marketing PartnerAccounting and business advisory partner.
• Jegard CreatisminorGTM or Marketing PartnerFinancial advisory partner.
• SodarexminorGTM or Marketing PartnerFinancial services partner.
• CogestminorGTM or Marketing PartnerBusiness management consulting partner.
• GFEminorGTM or Marketing PartnerFinancial expert partner.
• GVAminorGTM or Marketing PartnerReal estate and business valuation partner.
• BDLminorGTM or Marketing PartnerBusiness advisory partner.
• FNAminorGTM or Marketing PartnerNational accounting federation partner.
• Legal Auxiliary Partners (Avocats/Huissiers)coreStrategic or Co-development PartnerRecouvrer.fr works with auxiliary legal professionals including lawyers (Avocats) and Commissaires de Justice for judicial recovery proceedings. These partners provide courtroom representation and enforcement actions when amicable collection fails. Partners are disclosed transparently to clients.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Intrum: Europe's largest credit management and debt collection group, serving both consumer and commercial portfolios across dozens of markets. Comparable to Recouvrer.fr in collections service line, but operates at vastly larger scale, across geographies, and serves enterprise creditors rather than SMEs.
• EOS Group: Global debt collection and receivables management firm headquartered in Germany. Comparable as a broad incumbent in the same industry, but focuses on enterprise and B2C accounts receivable management at much larger scale than Recouvrer.fr's SMB self-serve platform.
• Coface: French-headquartered credit insurance and B2B receivables management provider. Directly comparable as a French debt-related services incumbent offering trade credit management and debt collection, but with insurance-led economics and a much larger customer base of mid-market and enterprise clients.
• Hoist Finance: European specialist in non-performing loans and debt portfolios, with operations across multiple countries. Comparable as a broad debt industry incumbent, but operates at portfolio-purchase scale rather than Recouvrer.fr's transactional per-case collection model.
• Septeo: French legaltech group serving legal professionals and adjacent SMB segments with software solutions. Comparable as a French legaltech incumbent with broader scope; overlaps with Recouvrer.fr through legal and collections-adjacent workflows.

Emerging players

• Captain Contrat: French legaltech platform offering SMBs access to legal services including contract drafting, business formalities, and recovery-related documents. Comparable as a digital-first French legaltech serving the same SME/auto-entrepreneur segment as Recouvrer.fr, with overlapping distribution and content-led acquisition.
• Legalstart: French online legal services platform for entrepreneurs and SMEs, covering company formation, contracts, and dispute-related matters. Comparable as a French SMB-facing legaltech; tangentially overlaps in the debt recovery workflow rather than competing head-to-head.
• Dougs: French SaaS accounting platform for freelancers, auto-entrepreneurs, and small businesses. Comparable in serving the same SME/auto-entrepreneur segment in France with adjacent financial-administration workflows that intersect with receivables and cash-flow management.

Direct peers

• Kenny: French B2B fintech offering receivables management and payment solutions tailored to SMEs and freelancers. Direct peer in addressing unpaid invoice pain for French professionals, with comparable SMB target segment and digital-first delivery.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCtEpfnGJhfoHwj2e9tHEVLg
• Facebookfacebook.com/recouvrer
• LinkedInlinkedin.com/company/recouvrer-fr
• Instagraminstagram.com/recouvrer.fr

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Recouvrer.fr