What Scores & Decisions does

Scores & Decisions is a French software vendor, founded in 2007 and headquartered in Issy-les-Moulineaux, that provides a data and decision-support platform for corporate credit risk, compliance, and third-party intelligence. Its core proposition centers on a database covering more than 10 million French companies, aggregated from multiple public and private sources and refreshed daily, against which it runs proprietary scoring, segmentation, and predictive analytics. The flagship product, IndiScore, produces a 12-month corporate failure probability used in customer onboarding, portfolio surveillance, and renewal decisions.

The platform is delivered as a web application with companion modules for portfolio monitoring, regulatory compliance (Sapin 2, LCB-FT, KYC), data enrichment, expert reports, and a Barometer benchmarking product. Underlying delivery is API-first, with both SOAP and REST endpoints, a native Salesforce connector (4data), and an Excel plug-in (4EXCEL), enabling integration into customer CRM, credit, and procurement workflows. AI and machine learning are embedded across the stack in the form of predictive scoring, anomaly detection, and process automation; the November 2023 launch of AI-Powered Credit Risk Management Solutions formalized these capabilities into a standalone product line.

Go-to-market is sales-led with annual subscription billing on a quote basis, anchored by enterprise and institutional customers including Toyota Finance, Volkswagen Bank, ENGIE, Heineken, Kronenbourg, DGFIP, Cour des Comptes, Intrum, Younited Credit, Assurance Maladie, MAN Truck & Bus, Paprec, La Poste Mobile, October, water agencies, and social protection funds. Scores & Decisions operates as a brand within the INTESCIA Group, which is backed by Five Arrows Capital Partners (Rothschild & Co) and reported €28M in group revenue with 430 employees, of which 200 sit in the Data Factory. INTESCIA's 2023 combination with Explore Group and acquisition of Telemat (Italy) extend the group's footprint into broader European B2B intelligence markets.

Name

Scores & Decisions

Legal name

Scores & Décisions SAS

Website

https://scores-decisions.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

Scores & Decisions is a French SaaS platform providing credit-risk scoring, compliance (Sapin 2, LCB-FT, KYC), and third-party intelligence built on a 10M+ company database, serving banks, large enterprises, and public-sector clients across France.

Ownership category

akta.pro rank

Product category

Business Credit Intelligence

NAICS

Credit Bureaus (56145), Software Publishers (513210), Management Consulting Services (54161)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Services-Computer Processing & Data Preparation (7374), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Consumer Credit Decisioning & Underwriting Platforms (FSAKAKAG)

akta.pro secondary industries

Business Intelligence, Reporting & Visualization Services (BPAEAHAD), Data Analytics & Business Intelligence Services (BPAHALAC), Regulatory Reporting & Submissions Automation (FSAFAOAA)

Keywords

• Business credit scoring
• Company financial intelligence
• Credit risk management
• Compliance due diligence
• B2B data enrichment

Headquarters

HQ city

Issy-les-moulineaux

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Subscription-based SaaS Platform Access: Customers subscribe to access the Scores&Decisions platform, including the extranet for company information, scoring, and surveillance. Pricing is quote-based and tailored to customer needs and usage volume.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Scores & Decisions operates a SaaS platform aggregating multi-source data on 10 million+ French companies (identity, leadership, capital links, financials, litigation, legal events) to deliver business solvency scoring (IndiScore©), automated portfolio surveillance, compliance tools for LCB-FT/Sapin 2/KYC, and data enrichment/cleaning services accessible via extranet, SOAP/REST API, Salesforce connector, and Excel export.

Product overview

Scores&Decisions is a company financial intelligence platform providing a suite of products for business failure risk assessment, company data enrichment, compliance, and API integration. The core offering consists of the online Scores&Decisions platform (with company profiles, director info, legal/financial data, capital links, litigation, and scoring), the IndiScore© predictive default scoring engine (predicting 12-month failure risk), and the Portfolio Surveillance service (real-time alerts across 9 monitoring types). These are complemented by a Due Diligence & Compliance module (Sapin 2/LCB-FT/KYC), a custom Expert Report service, Data Enrichment & Cleaning tools, and API integration products (API S&D in SOAP/REST, 4data Salesforce connector, 4EXCEL export). The company also publishes a monthly Barometer of Business Failures and offers Training Programs on financial risk. Scores&Decisions is a brand of Intescia Group, whose portfolio includes 7 other complementary data and B2B intelligence brands.

Differentiator

Problem solved

Functional benefit

Brands

• IndiScore©: Expert system predicting business failure risk at 12 months. The algorithm analyzes company information including confidential balance sheets and income statements.
• 4DATA
• Rapport Expert

Products and services

• Scores&Decisions Core Platform Cloud-based SaaS platform providing company identity files, director information, legal and financial data, capital links, litigation records, IndiScore ratings, and complete reports on French companies for credit managers and risk teams.
• IndiScore© Expert system predicting the 12-month business failure risk of companies using a proprietary algorithm that analyzes confidential balance sheets, income statements, and company lifecycle events to produce a default probability score.
• Portfolio Surveillance Automated monitoring service covering 9 types of surveillance (legal announcements, JAL, events, balance sheets, scores, official documents, directors, financial links, privileges) with real-time email alerts on third-party movements.
• Rapport Expert Custom financial analysis service performed by Scores&Decisions' in-house analysts, covering wealth creation, investment analysis, financing analysis, profitability, and personalized recommendations for specific third-party risk exposure.
• Due Diligence & Compliance (Sapin 2 / LCB-FT / KYC) Compliance solution supporting Due Diligence, Sapin 2 anti-corruption, and LCB-FT (Anti-Money Laundering) requirements, including beneficial owner identification, PEP screening, sanctions lists, and document collection for GED archiving.
• Data Enrichment & Cleaning Service analyzing, updating, and enriching company databases (clients, suppliers, partners) with legal and financial data, activity details, contacts, statutory directors, litigation records, shareholder and capital links, and beneficial owner information with daily updates.
• API S&D Webservice API available in SOAP and REST formats enabling retrieval of company information and integration into business tools, with simplified documentation and team support for integration projects.
• 4data Salesforce Connector Salesforce-native connector enabling company data enrichment, verification, and portfolio surveillance directly within Salesforce CRM without leaving the user's environment.
• Training Programs Financial risk training programs for credit risk experts and sales teams, including courses on financial analysis, balance sheet interpretation, and credit management, eligible for OPCO funding and FNE subsidies.
• Barometer of Business Failures Monthly barometer tracking business failures in France, providing statistical data on failure trends by sector, region, and company type, published on the company blog.
• AI-Powered Credit Risk Management Solutions AI and machine learning-powered credit risk management solutions offering tailored, highly predictive tools to help Credit Managers manage client portfolios and optimize daily decisions, with capabilities including deep analysis of company information, financial health, and third-party quality.

Quantifiable outcome

• Reduces risk from bad debtors and unpaid invoices by providing company financial health data and ongoing surveillance
• +1 more outcomes

Named customers20 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability4 records

Feature7 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Explore GroupcoreStrategic or Co-development Partner · 18 September 2023Explore Group, comprising Explore (construction project intelligence), Wanao (public procurement management), Sendao (outsourced bid management), and Codata (retail commerce data), merged into INTESCIA Group in September 2023. The combined entity serves 20,000+ clients and 100,000+ users across Europe with projected revenue of 60 million euros.
• Telemat (Italy)coreStrategic or Co-development Partner · 1 January 2023Telemat, an Italian company, was acquired by INTESCIA Group earlier in 2023 as part of the group's European expansion strategy, strengthening INTESCIA's presence in Italy before the Explore Group acquisition.
• 4datacoreTechnology or Integration4data is the Salesforce-native connector provider that enables Scores&Decisions to deliver its company data, enrichment, and surveillance features directly within Salesforce CRM. The partnership allows Scores&Decisions customers to enrich, verify, and monitor accounts and leads without leaving Salesforce.
• SalesforcecoreTechnology or IntegrationSalesforce is the CRM platform into which Scores&Decisions integrates via the 4data connector, enabling seamless embedding of company financial data, scoring, and surveillance alerts within the Salesforce environment for enterprise clients.
• INTESCIA GroupcoreStrategic or Co-development PartnerScores&Decisions is a subsidiary and core brand within INTESCIA Group, a business intelligence group with 8 brands (Scores&Decisions, Corporama, Doubletrade, Spigao/Edisys, Explore, Wanao/Sendao, Codata, Societeinfo) serving commercial, financial, and public sector clients across France and Europe.
• OVHcloudminorOthersAll Scores&Decisions data is hosted in France on dedicated servers at OVH in Roubaix and Gravelines. OVH provides the underlying cloud infrastructure including daily backups, secured cloud storage, and physical server security.
• INSEEminorOthersINSEE (National Institute of Statistics and Economic Studies) is a French public data source that feeds into Scores&Decisions' multi-source database for company financial and identity information.
• BODACCminorOthersBODACC (Bulletin Officiel des Annonces Civiles et Commerciales) is a French official bulletin providing legal announcements that Scores&Decisions aggregates as part of its daily data collection.
• InfogreffeminorOthersInfogreffe is a French registry of commerce and companies (RNCS) providing official company registration data that Scores&Decisions uses as a primary source for company identity verification.
• Over 600 Journals (JAL - Journal d'Annonces Légales)minorOthersScores&Decisions subscribes to over 600 legally authorized journals for processing legal announcements (annonces légales), contributing to the daily enrichment of company data in the database.

Scale indicators8 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Altares: Altares is a French business information and credit management services provider (formerly Coface Services). It offers company financial data, credit scoring, and B2B data services directly comparable to Scores&Decisions' core offering, serving similar enterprise clients in France.
• Creditsafe: Creditsafe is a global business credit reports and company information provider with a strong French and European presence. It offers comparable B2B credit reports, scoring, and monitoring products targeting similar credit manager and risk manager personas.
• Bilinfo: Bilinfo is a French business information provider offering financial reports, scoring, and B2B data services. It targets similar credit management and risk management personas with comparable products to Scores&Decisions' core platform.
• Manageo: Manageo is a French B2B data platform providing company information, financial data, and prospecting tools for French businesses. It directly competes with Scores&Decisions in the company data and credit information space for French SMEs and enterprises.

Regional players

• Infogreffe: Infogreffe is the official French registry of commerce and companies (RNCS). While a public data source used by Scores&Decisions, it also offers direct access to company registration data, representing an alternative channel for the same underlying information.

Broad incumbents

• Coface: Coface is a global trade credit insurance and business information provider. Its commercial information and debt collection services overlap with Scores&Decisions' portfolio surveillance and company credit data offerings.
• Dun & Bradstreet: Dun & Bradstreet is the global leader in business credit information and data analytics. While much larger and globally focused, it competes with Scores&Decisions in the French market for enterprise credit reporting and decisioning workflows.
• Euler Hermes: Euler Hermes (now part of Allianz Trade) is a global trade credit insurance and business information provider. It offers comparable company credit data, scoring, and risk assessment services for B2B credit decisions.

Emerging players

• Bloomedge: Bloomedge is a French alternative data provider focused on B2B data and prospecting intelligence. It represents an emerging player in the French B2B data space, offering competitive alternatives to traditional credit bureau data.
• Societeinfo: Societeinfo is a French B2B data platform offering 360-degree company intelligence on 11M+ French companies. It is both a sister brand within INTESCIA Group and a comparable SaaS-native alternative, positioning it as a noteworthy adjacent data provider.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Scores & Decisions