Coface Services
Coface Services provides various types of Insurance & Financial Services to their clients.
- Company typePublic
- Founded2001
- HeadquartersRueil-malmaison, France
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Coface Services does
Coface Group (Compagnie Française d'Assurance pour le Commerce Extérieur) is a French-headquartered global trade credit insurance provider founded in 1946 and listed on Euronext Paris under ticker COFA. The company operates in 59 countries with a workforce of more than 5,500 employees representing over 80 nationalities, serving approximately 100,000 business customers worldwide. Its core offering is trade credit insurance protecting businesses against non-payment of trade receivables, with coverage and service tiers segmented by client turnover: small businesses (under €5M), mid-market (€5–100M), large enterprise, and multinationals.
The technology stack is anchored by Urba360, a business information platform integrated with LSEG Risk Intelligence's World-Check One for compliance and AML screening, plus CofaNet (customer self-service portal), a Broker Portal for distribution partners, a public API Portal for programmatic access, and the Commercieel Risico Dashboard covering 160 countries and 13 economic sectors. Underlying risk assessment draws on a proprietary international database covering millions of companies combined with AI-driven predictive risk modeling. Adjacent product lines include business information subscriptions, debt collection services, factoring (transaction-fee-based), and single risk insurance written on multi-year contracts.
The revenue model combines recurring credit insurance premiums (typically billed annually on a subscription basis), information subscriptions, professional services for debt collection, and transaction-fee-based factoring. Go-to-market spans enterprise field sales for large accounts and multinationals, inside sales for the mid-market, broker and intermediary channels, and digital self-service for SMBs. The entity is regulated by the French ACPR and registered with the Dutch Authority for the Financial Markets (AFM), with the analysis specifically referencing Coface's Netherlands operations (coface.nl). Leadership includes CEO Xavier Durand and Group Communications Director Saphia Gaouaoui.
Coface Services firmographics
Firmographics- Name
- Coface Services
- Legal name
- Compagnie Française d'Assurance pour le Commerce Extérieur
- Website
- https://www.coface.nl
- Company type
- Public
- Founded year
- 2001
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Coface Services provides various types of Insurance & Financial Services to their clients.
- Ownership category
- akta.pro rank
Coface Services industry classification
Industry- Product category
- Trade Credit Insurance
- NAICS
- Insurance Carriers and Related Activities (524), Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Commercial General Liability (CGL) (FSAJADAA)
- akta.pro secondary industry
- Third-Party Risk, Vendor Due Diligence & Supply Chain Compliance (BPAEAPAG)
Keywords
Where Coface Services is headquartered
LocationHeadquarters
- HQ city
- Rueil-malmaison
- HQ country
- France
- HQ region
- Europe
Offices22 records
Markets served
Coface Services business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Credit Insurance Premiums: Core revenue stream from credit insurance policies. Companies pay premiums to protect against unpaid invoices from customers. Coverage percentages and premiums based on turnover, risk profile, and claim history (bonus-malus system).
- Business Information Services: Revenue from providing company credit reports, risk assessments, financial health analysis, and market intelligence to businesses for decision-making.
- Debt Collection Services: Collection services for businesses with unpaid invoices. Charges fees for recovering outstanding debts from domestic and international customers.
- Factoring: Account receivables financing by purchasing outstanding invoices from clients, providing immediate liquidity. Generates revenue through discount rates and service fees.
- Single Risk Insurance: Specialized insurance for complex projects covering political risks and non-payment situations, particularly for multinational operations.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Credit insurance for companies with turnover <5 million EUR - simple solution |
| Subscription | Annual | Credit insurance for companies with turnover 5-10 million EUR - export coverage |
| Subscription | Annual | Credit insurance for companies with turnover 10-100 million EUR - commercial risk protection |
| Subscription | Annual | Credit insurance for multinationals - international risk coverage |
| Subscription | Multi-year contract | Single Risk insurance for complex projects |
Go-to-market motion4 records
Distribution channels8 records
Marketing channels10 records
Coface Services product offering
Product offeringCore offering
Coface Services provides trade credit insurance, business information and credit risk intelligence, debt collection, factoring, and single risk (political risk) insurance to businesses of all sizes, from SMBs to multinationals. The company protects businesses against losses from unpaid invoices, delivers risk data and partner assessments through digital platforms such as Urba360 and CofaNet, and supports cash flow via factoring and collection services across 59 countries.
Product overview
Coface offers a comprehensive suite of trade credit risk management products and services organized around five core pillars: (1) Trade Credit Insurance — including solutions for SMBs, mid-market, large enterprises, and multinationals (such as TradeLiner), plus Single Risk for complex projects and political risks; (2) Business Information — anchored by the Urba360 platform and the Coface Business Information portal, providing credit risk analysis, solvency monitoring, and partner assessments; (3) Debt Collection — professional business-to-business collection services for unpaid receivables; (4) Factoring — converting receivables into immediate liquidity; and (5) Digital Platforms — including CofaNet (client portal), Broker Portal (broker management), and the Coface API Portal (developer access). All services are supported by the Commercieel Risico Dashboard covering 160 countries and 13 sectors, along with the Trade Talk podcast series. The portfolio enables businesses to manage commercial risk, optimize cash flow, and make informed decisions across their trading relationships.
Differentiator
Problem solved
Functional benefit
Brands
- TradeLiner: Credit insurance solution for mid-market companies trading in Netherlands and for export
- Urba360
- CofaNet
- Broker Portal
- World-Check One
Products and services
- Trade Credit Insurance (Kredietverzekering) Insurance product that protects businesses against losses from unpaid invoices and non-payment by buyers, covering commercial and political risks across domestic and export markets. Available in tiered versions for SMBs, mid-market, large enterprises, and multinationals.
- TradeLiner Credit insurance tailored for mid-market companies engaged in domestic and export trade in the Netherlands, providing protection against unpaid receivables and managed through the CofaNet online platform.
- Single Risk Insurance (Single Risk Kredietverzekering) Specialized insurance covering complex projects against political risks and non-payment situations, including coverage for extraordinary and complex projects in politically sensitive markets.
- Business Information Services (Bedrijfsinformatie) Services that provide company credit reports, solvency assessments, financial health monitoring, and sector analytics to support informed commercial decision-making and credit risk management.
- Urba360 Online business information platform that provides credit risk assessment, partner monitoring, early warning signals, and compliance screening through the integration of LSEG Risk Intelligence World-Check One within a single interface.
- Business Debt Collection (Zakelijke Incasso) Professional debt collection service that helps businesses recover unpaid invoices through professional intervention, handling both domestic and international receivables.
- Factoring Factoring solution that converts invoices directly into cash by purchasing receivables from clients, optimizing cash flow and providing financing without covenants.
- CofaNet Online customer platform for managing all Coface products, including insurance policy management, credit monitoring, and claims handling.
- Broker Portal Online platform specifically designed for brokers to monitor and manage client portfolios, streamline policy administration, and access Coface services on behalf of insured clients.
- Coface API Portal Developer portal providing access to the Coface API catalog, enabling businesses and partners to programmatically access credit risk data, company information, and insurance management functions.
- Commercial Risk Dashboard (Commercieel Risico Dashboard) Risk dashboard offering in-depth analyses for 160 countries and 13 business sectors, providing country risk assessments and sector risk ratings to support strategic decision-making.
Quantifiable outcome
- Zero claims in 30 years of partnership with long-term client Vidalies
- +3 more outcomes
Companies that use Coface Services
Customer profileNamed customers5 records
Segments1 record
Ideal customer profiles4 records
Coface Services technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature6 records
Coface Services partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- LSEG Risk IntelligencecoreStrategic partnership integrating LSEG's World-Check One compliance screening solution into Coface's Urba360 business information platform. Enables companies to access leading compliance screening tools combined with Coface credit risk data within a single interface.
Scale indicators8 records
Recent moves5 records
Expansion highlights6 records
Coface Services competitors and assessment
Company assessmentDirect peers
- Allianz Trade (formerly Euler Hermes): Allianz Trade is the global market leader in trade credit insurance, directly competing with Coface across regions. Backed by Allianz Group, it underwrites similar trade credit, political risk, and debt collection products, and is Coface's most direct head-to-head rival.
- Atradius: Atradius is one of the three global trade credit insurers alongside Coface and Allianz Trade. It offers credit insurance, collections, surety, and business information services with comparable global reach, making it a direct competitor across Coface's full product stack.
- Coface's main global competitors are Euler Hermes (Allianz Trade) and Atradius; below are the most relevant business-information and credit-intelligence peers that overlap with Coface's Urba360 and information services. Dun & Bradstreet is the leading global business information and credit reporting provider. Its D-U-N-S database and credit decisioning products directly overlap with Coface's Urba360 and Business Information offerings, making it a competing source of credit intelligence for the same enterprise customers.
- Creditsafe: Creditsafe is a global business credit report and monitoring provider serving SMB and mid-market segments. It competes with Coface's Urba360 and business information platform on credit reports, monitoring, and API-accessible credit data, particularly in Europe.
Broad incumbents
- AIG (Trade Credit): AIG operates a global trade credit insurance franchise under a much broader commercial insurance portfolio. It competes with Coface on large-enterprise credit insurance and political risk, particularly on multinational accounts, while offering many other lines beyond credit.
- Zurich Insurance Group: Zurich is a global multi-line insurer with trade credit capabilities. While credit insurance is not its core focus, it competes for large corporate credit insurance and surety accounts and provides an alternative incumbent option to Coface for multinational clients.
- Moody's Analytics (Moody's Corporation): Moody's Analytics provides credit risk data, analytics, and risk management platforms serving large enterprises. Its credit decisioning and counterparty risk solutions overlap with Coface's business information services and represent an incumbent alternative for sophisticated enterprise risk teams.
Emerging players
- CRIF: CRIF is a global business information and credit bureau operator with strong European presence. Its credit reporting, decisioning platforms, and business information services overlap with Coface's information products and increasingly compete in SME credit intelligence.
- Bibby Financial Services: Bibby Financial Services is an international factoring and receivables finance provider that competes with Coface's Factoring product line. It targets similar mid-market and SME clients and overlaps with Coface in cash flow and trade finance solutions.
Others
- Marsh (broker perspective): Marsh is the world's largest insurance broker and an important distribution channel for trade credit insurance including Coface's. While not a credit underwriter, it is a key distribution counterpart and competitor to direct sales on large multinational placements.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Coface Services social profiles
Digital presenceCoface Services compliance and trust
Trust signalCompliance2 records
Coface Services financial estimates
Financial estimateRevenue estimate
Valuation estimate
Coface Services leadership team
Management profileNumber of profiles
Profiles2 records
Coface Services subsidiaries and ownership
Company hierarchySubsidiaries15 records
Coface Services funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Coface Services 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 Services
What does Coface Services do?
Coface Services provides trade credit insurance, business information and credit risk intelligence, debt collection, factoring, and single risk (political risk) insurance to businesses of all sizes, from SMBs to multinationals. The company protects businesses against losses from unpaid invoices, delivers risk data and partner assessments through digital platforms such as Urba360 and CofaNet, and supports cash flow via factoring and collection services across 59 countries.
Is Coface Services a public or private company?
Coface Services is a public company. It is classified as public and is currently operating.
When was Coface Services founded?
Coface Services was founded in 2001. It employs 1 to 10 people.
Where is Coface Services based?
Coface Services is headquartered in Rueil-malmaison, France, in the Europe region.
How does Coface Services make money?
Five revenue lines are on record. Credit Insurance Premiums are the primary driver. The others are business Information Services, debt Collection Services, factoring and single Risk Insurance.
Who are Coface Services's main competitors?
Direct peers on record are Allianz Trade (formerly Euler Hermes), Atradius, Coface's main global competitors are Euler Hermes (Allianz Trade) and Atradius; below are the most relevant business-information and credit-intelligence peers that overlap with Coface's Urba360 and information services. and Creditsafe. Broad incumbents are AIG (Trade Credit), Zurich Insurance Group and Moody's Analytics (Moody's Corporation). Emerging players are CRIF and Bibby Financial Services. Marsh (broker perspective) is listed as an others.
Does Coface Services have an API?
Yes. Coface Services exposes a public API. Developer documentation is at developers.coface.com.
What industry is Coface Services in?
Coface Services's product category is Trade Credit Insurance. Its primary akta.pro industry code is FSAJADAA, Commercial General Liability (CGL), with a secondary code of BPAEAPAG, Third-Party Risk, Vendor Due Diligence & Supply Chain Compliance. Its NAICS code is 524 and its SIC code is 6331.