CODINF

What CODINF does

CODINF is a Paris-based French B2B SaaS platform that delivers debt collection, credit risk management, and client surveillance services primarily to French SMEs and professional organizations. Founded in 1932 and operating as Codinf Services + (SAS), the company combines a community-driven payment behavior intelligence network (1,000+ member companies) with traditional debt recovery workflows, including international investigations conducted in France and abroad. The platform is led by President Fabrice Pedro-Rousselin and operates with a small team of 1-10 employees, indicating a micro-cap, relationship-driven operating model.

The platform's product surface spans three core functions: a credit risk and client surveillance module that aggregates member-contributed payment behavior data to support solvency scoring, a debt collection module that handles amicable and judicial recovery on behalf of creditors, and a content/marketing layer (whitepapers, webinars, blog) that supports member education. Native mobile applications on iOS and Android extend access for case management and real-time monitoring. The underlying architecture is a multi-tenant SaaS platform layered on top of a proprietary payment incident database and a network of 15 professional organization partnerships that act as distribution channels.

CODINF monetizes through a hybrid subscription plus commission model. Entry is free, with paid tiers at €29/month (Essentiel), €69/month (Pro), and €139/month (Business), layered with a 6-13% commission on successfully recovered amounts. This structure aligns incentives across risk insight (subscription) and outcomes (commission), and supports a long-tail SME customer profile rather than large anchor contracts. No external funding rounds have been disclosed, suggesting a bootstrapped capital structure.

Name

CODINF

Legal name

Codinf Services +

Website

https://codinf.fr

Company type

Private

Founded year

1932

Operating status

Operating

Headcount range

1–10 employees

Short description

CODINF is a Paris-based B2B SaaS platform offering debt collection, credit risk management, and client surveillance to French SMEs, monetizing via tiered subscriptions and recovery commissions across a 1,000+ member network.

Ownership category

akta.pro rank

Product category

B2B Credit Risk Management & Debt Collection

NAICS

Collection Agencies (56144), Collection Agencies (561440), Credit Bureaus (56145)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

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

akta.pro secondary industries

Early-Stage / Soft Collections (Pre-Delinquency, Reminders) (BPAAAEAC), Third-Party Collection Agencies (Consumer) (FSAKAJAB)

Keywords

• B2B debt collection
• Credit risk management
• Solvency analysis
• Invoice recovery
• Client surveillance

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Commission au succès (Success-based Collection Fees): CODINF charges a commission ranging from 6-13% of the recovered amount only when a debt is successfully collected. For ad-hoc (non-subscription) collections, the commission is a fixed 10%. This aligns CODINF's incentives with the client's outcome.
2. Subscription Plans (Essentiel, Pro, Business): Monthly or annual subscription plans providing access to the platform's tools: relances, solvency monitoring, dashboards, and reduced collection commissions. Plans are tiered by feature depth and level of service.
3. Commission réduite pour abonnés Business: Business plan subscribers benefit from reduced collection commission rates (6-10%) compared to non-subscribers (6-13%), creating an upsell incentive from the transaction-based model to the subscription model.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

CODINF offers a unified B2B credit management platform that combines invoice collection, solvency analysis, and ongoing client surveillance. Businesses can retrieve solvency reports, receive automatic alerts when clients' situations change, commission expert field investigations, and submit unpaid invoices for collection — all via a subscription-based cloud platform or on a pure success-fee basis. The service is built on a professional network of 1,000+ French companies that share anonymous payment behavior data.

Product overview

CODINF operates as a unified B2B credit management and debt collections platform that combines three core capabilities: invoice collections, solvency analysis, and client monitoring/surveillance. The platform offers four subscription tiers — Sans engagement (success-fee only, no monthly cost), Essentiel (€29/month), Pro (€69/month), and Business (€139/month) — each building upon the previous tier with additional features such as multichannel reminders, automation, advanced risk analytics, and dedicated account management. Core services include solvency reports, automatic monitoring alerts, expert field investigations, and invoice recovery. The platform also aggregates behavioral payment data across a professional network of over 1,000 companies to provide sector-specific intelligence.

Differentiator

Problem solved

Functional benefit

Brands

• CODINF: B2B debt collection, credit risk management, and payment behavior monitoring platform

Products and services

• Rapport de solvabilité (Solvency Reports) Instant access to credit scores and solvency reports enabling French B2B businesses to assess the creditworthiness of a commercial counterparty before granting payment terms. Combines CODINF's aggregated internal payment behavior data with external sources.
• Mise en surveillance et alertes (Client Surveillance & Alerts) Ongoing monitoring of clients' financial situation with automatic alerts when there are changes, so subscribers can take action before a payment default occurs.
• Enquêtes expertes (Expert Field Investigations) On-demand field investigations conducted by CODINF analysts into the reliability of clients in France and internationally, producing a comprehensive documented report for important orders or cases of doubt.
• Recouvrement de factures impayées (Invoice Collections) End-to-end unpaid-invoice recovery service ranging from amicable reminders to formal legal procedures, managed entirely on the CODINF platform; available either on subscription tiers or on a success-fee basis with commissions of 6–13% (10% ad-hoc).

Quantifiable outcome

• Reduces average payment delay by 20 days without effort from the client
• +1 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Scale indicators5 records

Recent moves1 record

Expansion highlights5 records

Direct peers

• Sidetrade: French SaaS vendor specializing in order-to-cash and B2B credit management automation. Targets the same CFO/credit-manager buyer as CODINF, with a more enterprise-focused, AI-augmented product set — a direct head-to-head in the French mid-market.
• Altares: France's leading B2B data and credit information provider, offering business credit reports, monitoring, and debt collection services. Directly competes with CODINF in the French SME credit-risk and receivables-management segment, but at significantly larger scale.

Broad incumbents

• Coface: Global credit insurance provider with deep B2B credit information and business reporting. Overlaps with CODINF on commercial credit assessment and collection support, but as part of a much broader risk-insurance portfolio rather than a specialized SME collection platform.
• Intrum: Pan-European leader in debt collection and credit management services. Operates in the same B2B receivables space as CODINF but at much larger scale, primarily serving enterprise clients across multiple European geographies.
• Dun & Bradstreet: Global provider of B2B commercial credit data and analytics. Overlaps with CODINF's solvency-reporting and monitoring functions through its worldwide data network, but as a broad incumbent rather than a French SME-focused specialist.
• Allianz Trade (formerly Euler Hermes): World leader in trade credit insurance with extensive B2B payment behavior data and recovery services. Competes with CODINF in the underlying data and collection capabilities, but serves a larger enterprise client base as part of a global insurance offering.

Emerging players

• Creditsafe: International B2B credit reporting and monitoring provider. Competes with CODINF on business credit reports and watchlist monitoring, often at lower price points, but lacks CODINF's amicable-collection workflow and French professional-network community.
• Esker: French-headquartered SaaS provider of order-to-cash and accounts-receivable automation. Adjacent to CODINF on the receivables side of the workflow and targeting the same French mid-market CFO buyer, though focused on document automation rather than collection and credit data.

Regional players

• Bisnode (now Dun & Bradstreet): Historically a leading European B2B data provider (Nordics and wider Europe), now part of Dun & Bradstreet. Comparable to CODINF in supplying business credit information, but with a European rather than French-only footprint and a more enterprise-led go-to-market.

Others

• Pennylane: French fintech offering accounting and financial management software to SMEs and accountants. While not a direct collections competitor, Pennylane reaches the same French SME CFO/accountant buyer as CODINF and represents a potential integration or adjacency partner for embedded credit-risk services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/CODINFSERVICES
• LinkedInlinkedin.com/company/codinf-services

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 CODINF