OFFICE DE PROCEDURE JURIDIQUE | OPJ

What OFFICE DE PROCEDURE JURIDIQUE | OPJ does

OFFICE DE PROCEDURE JURIDIQUE (OPJ) is a French debt collection agency founded in 1981 in Castres and now headquartered in Labruguière, Occitanie. The company is one of the oldest collection firms in France and was a founding contributor to the AFDCC professional syndicate. Since 2019, OPJ has operated as a wholly-owned subsidiary of Groupe CFO led by Guillaume Martin, alongside sister entities Cabinet CFO France, DSN Services Juridique, ONCR (NPL purchasing), and SERTEL (call center). Its core services span amicable and judicial debt collection, civil and commercial investigations, NPL portfolio purchases, legal training for credit managers, and a white-label 'Cash Amiable' reminder service, delivered through a national network of partner bailiffs (Commissaires de Justice) and law firms.

OPJ's technology stack centers on a dual-portal platform — an Espace Client for creditor case tracking and an Espace Débiteur with online payment processing (via Arpege Online) — supplemented by a CRM implemented in 2008 and electronic archiving for case files. The firm operates under the regulated French collection profession (Articles R124-1 to R124-7 of the Code of Civil Enforcement Procedures), holds mandatory professional liability insurance with Allianz, maintains a legally required escrow account under decree 96-1112, and is GDPR/CNIL compliant.

The business model is primarily contingency-based: OPJ charges result-linked fees as a percentage of amounts collected, with no recovery, no fee. Additional revenue streams include NPL purchases (at fixed price or at €1 per case with negotiated percentage reversement), civil/commercial investigations billed only on positive findings, and customized legal training. The customer base is horizontal — B2B companies and professionals managing unpaid invoices, individual creditors, and companies seeking to sell NPL portfolios — concentrated in France with advertised international reach.

Name

OFFICE DE PROCEDURE JURIDIQUE | OPJ

Legal name

OFFICE DE PROCEDURE JURIDIQUE

Website

https://opj.fr

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

1–10 employees

Short description

OPJ is a French debt collection agency founded in 1981, now part of Groupe CFO. It offers amicable and judicial recovery, debtor investigations, NPL purchases, and legal training to B2B companies, professionals, and individuals across France and internationally.

Ownership category

akta.pro rank

Product category

Debt Collection and Recovery Services

NAICS

Collection Agencies (561440), Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Third-Party Collection Agencies (Consumer) (FSAKAJAB)

akta.pro secondary industries

Debt Buying & Portfolio Acquisition (Charged-Off Receivables) (FSAKAJAC), Legal Collections & Litigation Support (Judgments, Garnishments) (FSAKAJAD), Debt Buying / Portfolio Acquisition & Recovery (Debt Purchasers) (BPAAAEAG), Legal Collections Support (Pre-Lit, Litigation Admin, Judgment Recovery) (BPAAAEAH)

Keywords

• Debt collection services
• Judicial recovery
• Non-performing loan purchase
• Civil investigations
• Legal training

Headquarters

HQ city

Labruguière

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Debt Collection Services - Result-Based Fees: The company charges fees tied directly to successful debt recovery. Fees are calculated as a percentage of amounts collected, aligning the company's remuneration with client outcomes. This performance-based model ensures the company is motivated to achieve rapid and effective recovery.
2. Debt Purchase (NPL): Purchase of non-performing loans and defaulted debts at negotiated prices, followed by recovery management for the company's own account. Two models offered: fixed price purchase or symbolic €1 per case with percentage reversal on collected amounts.
3. Legal Training Services: Customized legal training programs for client credit managers and staff on collection legislation, techniques, and judicial procedures

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

OPJ provides professional debt collection (recouvrement de créances) and judicial recovery services for businesses and individuals across France and internationally. The firm manages the full collection lifecycle from amicable mediation through judicial enforcement via a network of partner bailiffs (commissaires de justice) and lawyers, and also purchases non-performing loan portfolios, conducts civil and commercial debtor investigations, and delivers customized legal training for credit management teams.

Product overview

OPJ (Office de Procédure Juridique) is a debt collection and receivable management firm founded in 1981, offering a comprehensive suite of services centered on Recouvrement de Créances (debt collection) and Recouvrement Judiciaire – Exécutions (judicial enforcement). The core portfolio includes Enquête Civiles & Commerciales (debtor investigation services) and Rachat de Créances – NPL (non-performing loan purchases), supplemented by Formation Juridique (legal training) and Cash Amiable (white-label reminder services). The company operates digital platforms comprising an Espace Client (client portal) for case tracking and an Espace Débiteur (debtor portal) with integrated online payment capabilities. All services are delivered through a network of legal collaborators with support from partner bailiffs and lawyers.

Differentiator

Problem solved

Functional benefit

Products and services

• Recouvrement de Créances (Debt Collection) End-to-end recovery of unpaid invoices and overdue receivables for businesses and professionals, beginning with amicable mediation (phone, email, formal notices) and escalating to judicial enforcement when required. Fees are charged only on amounts successfully collected.
• Recouvrement Judiciaire – Exécutions (Judicial Recovery and Enforcement) Judicial debt recovery and forced execution including payment injunctions (injonction de payer), court summons, provisional/ référé proceedings, and enforcement of court judgments through commissaires de justice across France.
• Enquêtes Civiles & Commerciales (Civil and Commercial Investigations) Investigation services that locate missing debtors (address, phone, employer) and assess their financial situation, including asset searches, solvency assessments, and income verification. Clients are billed only for successful investigations.
• Rachat de Créances – NPL (Non-Performing Loan Purchase) Purchase of defaulted receivables and non-performing loan portfolios at negotiated prices, with OPJ then managing recovery for its own account. Two pricing models: fixed-price portfolio purchase or symbolic €1 per case with negotiated percentage reversal to the seller on collected amounts.
• Formation Juridique et Crédit Management (Legal Training) Customized legal training programs for client credit managers and staff covering debt collection legislation, amicable and judicial collection techniques, and credit management best practices.
• Cash Amiable (White-Label Invoice Reminder) White-label accounts-receivable reminder service where OPJ contacts debtors on behalf of the client under the client's own letterhead and brand, preserving commercial relationships while reducing internal collection costs.

Quantifiable outcome

• 85% of debts successfully recovered
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Seven partnerships are on record, tiered core, major and minor.

• Groupe CFOcoreStrategic or Co-development Partner · 1 January 2019Parent company following 2019 acquisition. Groupe CFO, led by Guillaume MARTIN, specializes in amicable and judicial debt collection for nearly 30 years, recovering thousands of unpaid debts annually across France and internationally. OPJ operates as part of the Groupe CFO family.
• Huissiers de Justice / Commissaires de Justice Partners (National Network)coreChannel Partner/ Reseller/ DistributorNational network of bailiffs (Commissaires de Justice) enabling service of legal documents and enforcement of court judgments throughout France. The company pilots judicial procedures through this partner network for debt collection and legal proceedings.
• Avocats Partners (Lawyer Network)coreChannel Partner/ Reseller/ DistributorNetwork of partner law firms for judicial proceedings including court appearances, legal submissions, and litigation representation in debt collection cases.
• Détectives Partenaires (Investigative Partners)coreChannel Partner/ Reseller/ DistributorNetwork of detective partners providing debtor location and investigation services with reduced fees for OPJ clients.
• Syndicat SAR (National Collection Agency Syndicate)majorStrategic or Co-development PartnerMember of the first and leading syndicate in the debt collection profession - the national syndicate of debt collection and commercial information agencies, which defends values of excellence, solidarity, transparency, deontology, and respect.
• CPME (Confédération des Petites et Moyennes Entreprises)minorStrategic or Co-development PartnerMember of the Confederation of Small and Medium Enterprises, a social partner and employers' organization defending and representing the interests of each business.
• Global Compact (Global Compact France)minorStrategic or Co-development PartnerAdherent to the Global Compact, reinforcing commitment to human rights, international labor standards, environmental protection, and anti-corruption efforts.

Scale indicators3 records

Recent moves11 records

Expansion highlights6 records

Direct peers

• Atradius Collections: Dutch-headquartered international debt-collection business operating across Europe including France, providing B2B receivables management. Directly comparable offerings and customer base to OPJ.
• Intrum: Leading European debt collection and credit-management group operating in France with amicable and judicial recovery services. Directly comparable as a third-party collection agency serving B2B clients.
• Affico: French debt-collection agency offering amicable and judicial recovery to B2B clients, with a comparable SMB/mid-market customer profile and service-line overlap with OPJ.
• B2Boost: French B2B receivables-management and debt-collection provider targeting SMEs and mid-market companies. Comparable in customer segment, geography and service scope to OPJ.
• Contentia: French debt-collection firm offering amicable and judicial recovery as well as debtor investigations. Mid-sized domestic peer with overlapping services, customers and French-market focus.
• Recouvrex: France-based debt-recovery and receivables-management firm serving B2B clients with amicable and judicial recovery. Closely comparable in services and French mid-market focus to OPJ.
• EOS (Aremas/EOS France): Major European debt-collection group with significant French operations offering amicable, judicial and NPL services. Directly comparable service mix and target market to OPJ.

Broad incumbents

• Coface: French-headquartered global trade-credit management and credit-insurance group that also runs receivables collection services. Overlaps with OPJ on collection activities but operates a much wider portfolio including insurance and information services.
• Allianz Trade (formerly Euler Hermes): Global trade-credit insurer and debt-collection provider active in France. Has overlapping B2B collection capability but is part of a much broader credit-insurance and risk-services offering.

Others

• Syndicat AFDCC: National French professional syndicate for debt-collection and commercial-information agencies, of which OPJ is a member. Not a direct competitor but a key industry body that shapes standards and visibility across French debt-collection providers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/office-de-procedure-juridique

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries5 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 OFFICE DE PROCEDURE JURIDIQUE | OPJ