Coface
Coface is a Paris-headquartered global trade credit insurer and business information provider, founded in 1946, serving roughly 100,000 customers across approximately 200 markets with €725 billion in insured exposure across four product lines: trade credit insurance, business information, political and credit risk insurance, and B2B debt collection.
- Company typePrivate
- Founded1946
- HeadquartersBratislava
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Coface does
Coface is a global trade credit insurance and business information provider, founded in 1946 and headquartered in Paris, France. The company insures businesses against the risk of unpaid invoices (buyer default and protracted default) and supplies credit intelligence on commercial counterparties across approximately 200 international markets. Its core product lines are Trade Credit Insurance, Business Information (via the proprietary Urba360 platform), Political and Credit Risk Insurance for complex cross-border projects, and B2B Debt Collection services. Coface's technology stack rests on a proprietary global database of business and credit information accumulated over more than 80 years, which underpins both its underwriting models and its information products. Customer-facing digital surfaces include CofaNet (customer portal), the Broker Portal, the API Portal (developers.coface.com), and the Business Information Portal; the May 2025 integration of LSEG Risk Intelligence's World-Check One compliance screening into Urba360 extends the platform into adjacent regulatory compliance workflows.
Coface generates revenue primarily through recurring insurance premiums on trade credit policies (subscription/exposure-based pricing), supplemented by subscription fees for its business information services, premiums from specialized political and credit risk coverages, and professional-services fees for B2B debt collection. The company targets a horizontal segmentation of customers by turnover size: small businesses (<€10M), medium-sized businesses (€5–10M), large and mid-large corporations (€10–100M), and multinational enterprises; each tier is sold through dedicated sales motions. Distribution is multi-channel: enterprise field sales and inside sales handle complex accounts, a broker/intermediary network serves mid-market segments via the Broker Portal, and self-serve digital channels (CofaNet, API Portal) handle policy administration, monitoring, and embedded integrations. Coface serves approximately 100,000 customers, insures €725 billion of exposure, and maintains a wholly-owned subsidiary network spanning roughly 50 countries; it carries top-tier financial strength ratings (Fitch AA/Stable, Moody's A1/Stable, AM Best A+/Stable). Top-of-funnel demand generation is driven by content marketing — economic reports, the Country & Sector Risks Handbook, and the Trade Talk podcast — distributed across LinkedIn, X/Twitter, and YouTube.
Coface firmographics
Firmographics- Name
- Coface
- Legal name
- Coface
- Website
- https://coface.sk
- Company type
- Private
- Founded year
- 1946
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Coface is a Paris-headquartered global trade credit insurer and business information provider, founded in 1946, serving roughly 100,000 customers across approximately 200 markets with €725 billion in insured exposure across four product lines: trade credit insurance, business information, political and credit risk insurance, and B2B debt collection.
- Ownership category
- akta.pro rank
Coface industry classification
Industry- Product category
- Trade Credit Insurance
- NAICS
- Insurance Carriers and Related Activities (524)
- SIC
- Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Trade Credit Insurance Brokerage (FSAEADAL)
Keywords
Where Coface is headquartered
LocationHeadquarters
- HQ city
- Bratislava
Offices1 record
Markets served
Coface business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Trade Credit / Receivables Insurance: Coface's primary revenue stream is trade credit insurance (poistenie pohľadávok), which protects businesses from losses caused by unpaid invoices. Companies pay premiums—typically subscription or exposure-based—to insure their trade receivables against buyer default or protracted default.
- Business Information Services: Coface generates revenue by providing business information and credit risk data through its Urba360 platform and related services. Companies pay for access to company credit assessments, monitoring, and due diligence reports to support trade decisions.
- Political and Credit Risk Insurance: Specialized insurance products covering political risk and credit risk for complex projects, including custom and irrevocable coverage for transactions in high-risk markets.
- Debt Collection / Receivables Recovery: Coface offers B2B debt collection services, charging fees for the recovery of unpaid invoices in domestic and international contexts.
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
Coface product offering
Product offeringCore offering
Coface fundamentally provides trade credit insurance that protects businesses against losses from unpaid invoices, underwritten using its proprietary global business and credit information database. Around this core it sells business information and credit risk data (URBA360 platform), political and credit risk insurance for complex international projects, and B2B debt collection services. These offerings are delivered through dedicated digital portals (CofaNet, Broker Portal, API Portal, Business Information Portal) and a global network of country subsidiaries.
Product overview
Coface operates as a trade credit insurance and business information services provider offering a platform-plus-modules architecture. The core portfolio consists of four main product lines: Trade Credit Insurance (Poistenie pohľadávok) protecting businesses from unpaid receivables; Business Information services providing company insights and risk analysis; Political and Credit Risk insurance for complex international projects; and B2B Debt Collection services. These core offerings are supported by digital platforms including the URBA360 business information platform, CofaNet customer portal, Broker Portal, API Portal, and Business Information portal. The company serves approximately 100,000 customers across 200 countries with €725 billion in exposure, and publishes the Country & Sector Risks handbook and Trade Talk podcast as supplementary resources. Coface maintains strong financial ratings: AA-Stable (Fitch), A1-Stable (Moody's), and A+-Stable (AM Best).
Differentiator
Problem solved
Functional benefit
Brands
- Urba360: Business information platform for assessing financial health of business partners and identifying market opportunities
- CofaNet
- Trade Talk
- URBA360
Products and services
- Trade Credit Insurance (Poistenie pohľadávok)
Quantifiable outcome
- 80% of businesses face receivables collection problems, and 25% of unpaid debts lead to bankruptcy — Coface insurance mitigates this risk.
- +4 more outcomes
Companies that use Coface
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles4 records
Coface technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature5 records
Coface partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- LSEG Risk IntelligencecoreCoface partnered with LSEG Risk Intelligence to integrate World-Check One compliance screening into the Urba360 business information platform. This integration allows companies to access both regulatory compliance (KYC/AML) tools and Coface credit risk data through a single interface, enhancing due diligence and decision-making for trade partners.
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
Coface competitors and assessment
Company assessmentDirect peers
- Atradius: A direct competitor in trade credit insurance, debt collection, and business information. Atradius is owned by Grupo Catalana Occidente and serves overlapping customer segments across Europe, the Americas, and Asia Pacific.
- Allianz Trade (formerly Euler Hermes): The global market leader in trade credit insurance and Coface's primary direct competitor. Both companies underwrite trade credit risk, provide business information, and operate globally with similar customer segments ranging from SMEs to multinationals.
Broad incumbents
- Aon: A global insurance brokerage and advisory firm that distributes trade credit insurance and adjacent risk management solutions. Aon competes with Coface in distribution and risk advisory rather than underwriting, but is highly relevant in the buyer ecosystem.
- Marsh (Marsh McLennan): A leading global insurance broker and risk advisor that places trade credit insurance and provides adjacent consulting services. Marsh competes with Coface in the broker-mediated distribution channel and risk advisory segments.
- Chubb: A global multi-line P&C insurer offering credit and political risk insurance through its Chubb Global Markets division. Chubb overlaps with Coface in specialty insurance lines while operating a much broader portfolio.
- Willis Towers Watson (WTW): A global insurance brokerage and advisory firm distributing trade credit and political risk insurance. WTW is comparable to Coface on the distribution and risk advisory side rather than underwriting.
- Zurich Insurance Group: A global multi-line insurer offering trade credit and political risk insurance alongside its broader P&C and life businesses. Zurich competes with Coface in credit insurance and political risk, but does not specialize in this niche.
- Moody's Analytics: A global provider of credit risk analytics, data, and ratings-adjacent services that competes with Coface in the business information and risk analytics layer. Moody's offers credit decisioning tools that overlap with Urba360 but operates at much larger scale across financial services.
Emerging players
- Creditsafe: A business credit information provider offering company reports, monitoring, and credit scores globally. Creditsafe competes with Coface's Urba360 business information offering, particularly in the SME and mid-market segments.
- Dun & Bradstreet: A global business information and analytics provider whose commercial data and credit intelligence products overlap directly with Coface's Urba360 platform. D&B is a partial competitor in the data-only segment where Coface is bundled with insurance.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Coface social profiles
Digital presenceCoface financial estimates
Financial estimateRevenue estimate
Valuation estimate
Coface leadership team
Management profileNumber of profiles
Profiles1 record
Coface subsidiaries and ownership
Company hierarchySubsidiaries24 records
Coface funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Coface M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Coface
What does Coface do?
Coface fundamentally provides trade credit insurance that protects businesses against losses from unpaid invoices, underwritten using its proprietary global business and credit information database. Around this core it sells business information and credit risk data (URBA360 platform), political and credit risk insurance for complex international projects, and B2B debt collection services. These offerings are delivered through dedicated digital portals (CofaNet, Broker Portal, API Portal, Business Information Portal) and a global network of country subsidiaries.
When was Coface founded?
Coface was founded in 1946. It employs 11 to 50 people.
Where is Coface based?
Coface is headquartered in Bratislava.
How does Coface make money?
Four revenue lines are on record. Trade Credit / Receivables Insurance is the primary driver. The others are business Information Services, political and Credit Risk Insurance and debt Collection / Receivables Recovery.
Who are Coface's main competitors?
Direct peers on record are Atradius and Allianz Trade (formerly Euler Hermes). Broad incumbents are Aon, Marsh (Marsh McLennan), Chubb, Willis Towers Watson (WTW), Zurich Insurance Group and Moody's Analytics. Emerging players are Creditsafe and Dun & Bradstreet.
Does Coface have an API?
Yes. Coface offers an API Portal providing access to integrated business information and trade credit solutions. The API enables developers to access and integrate Coface's trade credit insurance and business information services into their own applications.
What industry is Coface in?
Coface's product category is Trade Credit Insurance. Its primary akta.pro industry code is FSAEADAL, Trade Credit Insurance Brokerage. Its NAICS code is 524 and its SIC code is 6399.