What Kwote does

Kwote is a French SaaS company founded in 2018, headquartered in Paris with a secondary site in La Penne-sur-Huveaune (Marseille), operating as a subsidiary of the idocus group (which also owns scribee, a certified Plateforme Agréée/PDP for e-invoicing). The platform provides modular credit management and debt-collection software targeted at French and international B2B SMEs (PME) and mid-caps (ETI), with named customers including Gagneraud, ATPS, Eureka/Groupe La Varappe, Groupe Ippolito, Groupe Sofilec, HR Path, Ecocem, Petit Forestier, CS France, and Atlantique Boissons. The product comprises a core AR/credit-management platform plus optional modules for risk (Module Risque), automated collection (Module Recouvrement), and analytics (AnalytiQ), with 2025–2026 add-ons for Grand Account management, a KFT database connector, and the Finley AI assistant for contextualized collection actions triggered from e-invoicing lifecycle events.

The platform is differentiated by deep integration into the French credit-management stack: native connectors to Allianz Trade, Coface, and Atradius for credit insurance; scribee (group-owned) and the wider PA/PDP ecosystem for invoice lifecycle; Ellisphere, Creditsafe, and Altares for business data; Pennylane, SAP, and OneLogin for ERP/identity; and a custom KFT connector coded in Go that extracts data from SQL Server, Oracle, MySQL, and MariaDB estates without DSI involvement. The platform supports French, English, German, Spanish, and Italian plus multi-currency ISO 4217 operations, and inherits ISO 27001, SecNumCloud (via scribee), and GDPR compliance from the group.

Commercially, Kwote runs an enterprise field-sales motion with personalized demos, a 4-step implementation methodology, and quote-based annual subscription pricing for the core and modular SaaS; the KFT connector is publicly priced at €100/month per connected entity. Le Klub, a customer community with annual Journées Klub workshops and quarterly e-Klub sessions, feeds a four-release-per-year product cadence. The dedicated Kwote team is approximately 10 people, supported by ~110 group employees across Paris, Marseille, and Madagascar (Antananarivo, Antsirabe), serving 415 companies and 2,672 users across all continents.

Name

Kwote

Legal name

kwote

Website

https://kwote.fr

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Kwote is a French SaaS provider of modular credit management, risk, and debt-collection software for B2B SMEs and mid-caps, with deep integrations to credit insurers, e-invoicing platforms, and ERP systems, and an AI assistant (Finley) for contextualized collection actions.

Ownership category

akta.pro rank

Product category

Credit Management Software

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821), Custom Computer Programming Services (541511)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)

Keywords

• Credit management software
• Debt collection platform
• Accounts receivable automation
• Credit risk management
• DSO optimization software

Headquarters

HQ city

Marseille

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Subscription - Core Platform: Subscription-based access to Kwote's credit management platform including core modules for portfolio management, task management, grouping, and agenda.
2. Modular SaaS - Risk Module: Optional add-on module for client risk management including credit limits, insurance coverage, and credit committee workflows.
3. Modular SaaS - Collection Module: Optional add-on for automated client collection with customizable scenarios, interactive emails, and secure client portal.
4. Modular SaaS - AnalytiQ Module: Optional analytics module for custom reports, dashboards, automated report generation and distribution.
5. KFT Connector Add-on: Monthly subscription of €100 per connected entity includes connector and maintenance for KFT file transfer software.
6. Strategic Consulting/Accompaniment: Additional consulting services for implementation support, organizational optimization, and credit management best practices implementation.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Kwote is a SaaS credit management and debt collection platform designed for B2B SMEs (PME) and intermediate-sized enterprises (ETI). The core offering includes a centralized platform for managing customer accounts receivable, with modular add-ons for credit risk management, automated collection, and analytics. The platform integrates with credit insurers (Allianz Trade, Coface, Atradius), electronic invoicing platforms (PA/PDP), and customer information systems via a lightweight file transfer connector.

Product overview

Kwote is a modular SaaS credit management platform for B2B SMEs and mid-sized enterprises (ETI), combining a core platform with specialized modules. The core platform provides centralized accounts receivable management, collaborative tools, analytical grouping, and universal connectors. Three specialized modules extend the core: Risque (credit risk and insurance management), Recouvrement (automated collection with customizable scenarios), and AnalytiQ (reporting and analytics). Additional capabilities include Key Account Management (Grands Comptes) for multi-entity group monitoring, KFT for database connectivity, kwoteSync PA for electronic invoicing platform integration, and Finley AI for intelligent collection assistance. The platform supports 5 languages (French, English, German, Spanish, Italian) and multi-currency operations compliant with ISO 4217.

Differentiator

Problem solved

Functional benefit

Brands

• kwoteSync PA: Module for connecting to Approved Platforms (Plateformes Agréées) and synchronizing invoice lifecycle statuses with AI-powered analysis through Finley assistant
• KFT (kwote File Transfer)
• Le Klub
• Finley
• kwoteSync PA Smart
• Mission Encaissement

Products and services

• Kwote Platform (Core) SaaS credit management platform providing centralized customer accounts receivable management, collaborative task management, analytical grouping, calendar scheduling, and universal connectors for SMEs and mid-sized enterprises (ETI).
• Module Risque (Risk Module)

Quantifiable outcome

• Save 8 hours per week through automated collection processes
• +3 more outcomes

Named customers11 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability9 records

Feature8 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Allianz TradecoreTechnology or Integration · 1 June 2025Strategic technical and commercial partnership with Allianz Trade, leader in credit insurance. Enables real-time credit guarantee data synchronization, automated coverage updates, and direct guarantee request submission from within Kwote platform. Provides validated risk assessment data and strengthens overall credit management performance.
• scribeecoreTechnology or IntegrationNative integration with scribee, the company's ISO 27001 certified e-invoicing Platform Agréée (PA/PDP). Synchronizes invoice lifecycle statuses enabling contextual collection actions. Part of same corporate group (idocus), ensuring seamless compliance with French e-invoicing reform.
• idocuscoreOthersParent company and group. idocus is a dematerialization and BPO actor, SAP Partner, providing rigor and security in information management. The group includes 110 collaborators across Paris, Marseille, and Madagascar sites.
• SAPcoreStrategic or Co-development Partneridocus became SAP Partner, enabling integration capabilities and enterprise system connectivity for Kwote customers.
• AFDCCminorStrategic or Co-development PartnerActive participation in AFDCC (French Credit Management Association) events including annual Credit Day conference. Industry community engagement and thought leadership.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Esker: French-listed SaaS vendor spanning order-to-cash, procure-to-pay, and finance automation with AR collection and credit management features. A broader incumbent competing in adjacent finance workflows rather than specializing in credit management.
• Cegid: French cloud ERP and finance software provider serving PMEs and mid-market. Cegid's accounting and ERP suites increasingly encroach on credit management workflows adjacent to Kwote's core.
• Pennylane: French all-in-one financial management platform for TPE/PME and their accountants. While a current Kwote integration partner, it is progressively embedding receivables and cash management features that overlap with Kwote's scope.
• Sage: Global accounting and ERP vendor with embedded credit management and AR capabilities in Sage X3 and Sage 100/1000. Competes with Kwote via native ERP credit modules rather than as a specialized vendor.

Direct peers

• HighRadius: US-headquartered autonomous finance platform for order-to-cash, treasury, and credit management. Competes in the same AI-enabled receivables and credit decisioning category as Kwote, primarily serving mid-market and enterprise.
• Sidetrade: French-listed SaaS provider of AI-driven order-to-cash and credit management software. Directly competes with Kwote for the same PME/ETI segment in France and internationally, with overlapping risk and collection modules.
• Billtrust: US-based order-to-cash automation platform spanning credit, invoicing, collections, and payments. Overlaps with Kwote's core, risk, and collection modules for B2B mid-market customers.
• Upflow: SaaS accounts-receivable platform focused on B2B collections, payments, and customer portal. Competes with Kwote's Recouvrement module in the SME and mid-market segment.

Emerging players

• Trustfull: Italy-based credit risk data and scoring platform using alternative data sources. Partially overlaps with Kwote's Risk module and its integrations with credit information providers (Ellisphere, Creditsafe).

Others

• CreditSafe: Global business credit data provider integrated into Kwote. Not a direct competitor but a key ecosystem partner whose data services compete with portions of Kwote's risk-scoring value proposition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/kwotesolution
• LinkedInlinkedin.com/company/kwote

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Kwote