Recouvéo

What Recouvéo does

Recouvéo is a France-based B2B debt collection and accounts-receivable management firm headquartered in Marseille, operating since 2010 with regional offices in Chatou (Île-de-France) and Luriecq (Rhône-Alpes). The company serves SMBs (PME), mid-market and large enterprises (ETI), and companies with cross-border receivables, addressing a market problem in which a significant share of French insolvencies are attributed to late payments. Its service portfolio covers the full collections lifecycle: white-label reminder services (Relance en Marque Blanche), amicable B2B collection (Recouvrement Amiable) using multichannel outreach, judicial collection (Recouvrement Judiciaire) including injunctions to pay, and full outsourced accounts-receivable management (Gestion du Poste Client). Performance claims include 95% resolution on qualified receivables, 90% of collections within 2-4 weeks, and an 85% amicable resolution rate.

Underpinning the service layer is Véostack, a wholly-owned SaaS platform that automates up to 80% of collection tasks across risk assessment, multichannel action, and dispute management, with a client portal for real-time reporting and Monetico-CIC-integrated debtor self-service payments. Recouvéo also sells adjacent advisory and training services (Audit & Conseil, Formation), with a specialized offering for the Formation Professionnelle sector characterized by complex OPCO/multi-payer financing. The business operates on a pure contingency-fee model: clients pay only on successful collections, with no upfront, file, or administrative fees. Go-to-market combines direct enterprise sales with consultative strategy design, dedicated account managers, white-label deployment, and a self-serve SaaS route via Véostack. Demand generation relies primarily on SEO-driven content (blog, FAQ, sector guides) and LinkedIn. The firm is structured as a SASU with EUR 100,000 registered capital, co-led by co-founder Cédric Brun, with no disclosed institutional investors, funding rounds, or M&A activity.

Name

Recouvéo

Legal name

RECOUVEO

Website

https://recouveo.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Debt Collection and Accounts Receivable Management

NAICS

Collection Agencies (56144), Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Debt Recovery & Asset Recovery (Repossession Coordination, Collateral Recovery) (BPAAAEAE)

akta.pro secondary industries

Utilities/Telecom & Other Non-Financial Receivables Collections (FSAKAJAN), Accounts Receivable (Invoicing, Cash Application, Deductions) (BPAAAGAB), First-Party (In-House) Collections & Servicing (FSAKAJAA)

Keywords

• B2B debt collection
• Accounts receivable management
• Credit management services
• Judicial debt recovery
• Collection software

Headquarters

HQ city

Marseille

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Success-Based Collection Fees: Recouvéo's primary revenue model is contingency-based. The company charges exclusively on successful collections with no upfront fees, administrative charges, or file fees. Clients pay only when receivables are successfully recovered, ensuring alignment of interests and risk-sharing.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Recouvéo is a French B2B debt collection and accounts receivable management firm offering white-label reminder services, amicable and judicial collection, and full customer accounts management. The company operates on a contingency-based fee model, charging only on successful recoveries, and supports its services with Véostack, a proprietary SaaS platform that automates up to 80% of collection tasks for clients preferring to manage receivables internally.

Product overview

Recouvéo is a debt collection and accounts receivable management company offering an integrated portfolio of services. The core offerings include: Relance en Marque Blanche (white-label reminder service), Recouvrement Amiable (amicable B2B collection), Recouvrement Judiciaire (judicial collection), and Gestion du Poste Client (full AR management). The product ecosystem is complemented by Véostack, a SaaS software automating up to 80% of collection tasks, and supported by Audit & Conseil and Formation add-on services. The company operates a pre-contentious approach with strong legal expertise, serving clients across France with three offices (Marseille, Lyon, Paris) and international presence.

Differentiator

Problem solved

Functional benefit

Brands

• Véostack: SaaS software platform developed by Recouvéo for automating B2B debt collection and accounts-receivable management, enabling companies to automate up to 80% of reminder tasks.

Products and services

• Relance en Marque Blanche (White-Label Reminder Service) Externalized B2B client reminder service operated under the client's own brand identity, including emails, calls, letters, signature, and graphic charter. Designed for companies that want to accelerate cash collection while preserving commercial relationships, with debtors unaware that an external collection firm is intervening.
• Recouvrement Amiable (Amicable Debt Collection)
• Recouvrement Judiciaire (Judicial Debt Collection)
• Véostack SaaS Collection Software
• Gestion du Poste Client (Customer Accounts Management)
• Audit & Conseil (Credit Management Consulting) Strategic credit management and BFR (working capital requirement) optimization consulting services to help companies define and implement effective debt collection strategies.
• Formation (Training Programs) Customized training programs for credit management and debt collection professionals, delivering best practices tailored to specific sectors and objectives.

Quantifiable outcome

• 85% amicable collection success rate with 95% total resolution on qualified receivables
• +4 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• AvivaminorOthersAviva provides professional liability insurance (assurance responsabilité civile professionnelle) for Recouvéo's collection activities, as disclosed in the company's privacy policy.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Sidetrade: French-listed B2B Order-to-Cash and AR automation SaaS platform. Directly comparable to Recouvéo's Véostack as a SaaS play targeting B2B receivables management, with a much larger enterprise footprint.
• Upflow: Paris-based B2B accounts receivable management SaaS. Comparable to Véostack in targeting B2B AR workflows with software-led automation, though without Recouvéo's agency layer.
• EOS France: French subsidiary of EOS, a major European debt collection group. Directly competes with Recouvéo in B2B receivables collection in France, with substantially larger scale.
• Collecto (Recouvrement de créances): French B2B debt collection agency providing amicable and judicial recovery services. Closely comparable to Recouvéo in service scope, target customer, and France-centric operations.

Broad incumbents

• HighRadius: US-headquartered order-to-cash and treasury automation SaaS at much larger scale. Comparable to Véostack on AR automation but with much greater enterprise reach and capital backing.
• Intrum: Pan-European debt collection and credit management leader. Comparable as a broad incumbent operating in the same B2B receivables and collections category as Recouvéo, with much greater scale and geographic reach.
• Allianz Trade (Euler Hermes): Global trade credit insurance and receivables management provider. Comparable in the broader credit management and receivables recovery space Recouvéo addresses, with a global franchise and broader product set.
• Coface: French-headquartered credit insurance and credit management services firm. Comparable in the broader B2B credit management category where Recouvéo also operates, with much greater scale and product breadth.

Others

• Younited Credit: French consumer credit fintech with adjacent credit management capabilities. Connected thematically to Recouvéo's receivables and credit management domain but operates in consumer credit rather than B2B collections.
• Monetico CIC: Payment processing partner integrated into Recouvéo's client portal. Comparable as an adjacent ecosystem enabler in the French B2B receivables value chain rather than a competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/recouveo
• Xx.com/recouveo

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Recouvéo