GROUPE CFO

What GROUPE CFO does

GROUPE CFO is a privately held French financial services group headquartered in Aix-en-Provence that delivers debt collection, debt purchasing, call center, medical secretarial, and legal training services through four wholly-owned operating entities: Cabinet CFO France (debt collection at Aix-en-Provence), Office de Procédure Juridique/OPJ (judicial procedures at Castres, founded 1981 and acquired 2019), Office National de Rachat de Créances/ONCR (NPL purchasing, created 2020), and Sertel (medical telephony and call center, acquired 2021). The group operates a fee-based collection model where clients are charged only on amounts successfully recovered, alongside debt portfolio acquisitions and usage-based billing for medical secretarial services. Operationally, the firm handles over 20,000 dossiers per year, manages approximately €10 million in client encours, executes about 1,098 judicial procedures annually, and processes 30,000 calls per year, supported by a network of 111 partner lawyers and 95 partner bailiffs across France.

The business model is anchored in the French regulated debt collection profession, with activity declared to the Procureur de la République (RECOUV-15/00003), ANCR syndicate membership, CNIL declarations, and GDPR/RGPD compliance. The technology stack is light: a CRM deployed in 2008, an online Espace Client portal for dossier tracking launched in 2009, and a real-time E-Agenda for medical scheduling — no AI/ML, proprietary models, or advanced analytics are disclosed. Go-to-market is direct and sales-led, with a multi-language website (French, English, Spanish) supporting international engagements across France, the EU, DOM/TOM, and other jurisdictions, alongside referral flow generated through the lawyer and bailiff partner network. Customers are primarily French B2B businesses with unpaid receivables (invoices, bounced checks, unpaid rent, bank debts, professional fees), financial institutions divesting NPL portfolios, and healthcare providers using Sertel's telephony services.

Name

GROUPE CFO

Legal name

GROUPE CFO

Website

https://groupe-cfo.fr

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

11–50 employees

Short description

GROUPE CFO is a French private financial services group that delivers debt collection, judicial recovery, NPL purchasing, medical secretarial, and call center services through four wholly-owned entities, serving French and international B2B clients and healthcare providers.

Ownership category

akta.pro rank

Product category

Debt Collection Services

SIC

Miscellaneous Business Credit Institution (6159), Finance Services (6199)

akta.pro primary industry

Third-Party Collection Agencies (Consumer) (FSAKAJAB)

Keywords

• Debt collection services
• Non-performing loans
• Medical secretarial services
• Call center operations
• Civil commercial investigations

Headquarters

HQ city

Aix-en-provence

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Recouvrement de Créances - Amiable & Judiciaire: Fees charged for debt collection services, both amicable (friendly) and judicial (legal proceedings). Honoraires orientés résultats - fees only charged on amounts collected.
2. Rachat de Créances (NPL): Purchase of delinquent debts and non-performing loans (NPL). The company acquires debt portfolios at a negotiated price and handles collection for their own account.
3. Télé-secrétariat Médical: Medical secretarial services including call handling, appointment scheduling, and professional website services. Billed based on call volume with a tiered pricing structure.
4. Centre d'Appel: Call center services including lead management, prospect handling, and customer relationship management for business clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

GROUPE CFO is a French financial services group that provides debt collection (both amicable mediation and judicial recovery), non-performing loan (NPL) portfolio purchasing, civil and commercial debtor investigations, medical telephone secretarial services, legal training, and outsourced call center services. The group operates through four specialized entities (Cabinet CFO France, OPJ, ONCR, Sertel) handling approximately 20,000+ debt files per year with a 73% collection rate.

Product overview

GROUPE CFO is a French debt collection and financial services group operating a platform-plus-specialized-services model. The group provides integrated debt collection (amiable and judicial), debt purchasing (NPL portfolios), medical telephony services, and call center solutions through four main entities: Cabinet CFO France (debt collection), OPJ (legal procedures), ONCR (debt purchasing), and Sertel (medical secretarial services). The group handles approximately 20,000+ cases annually with a 73% collection rate, serving clients across France and internationally.

Differentiator

Problem solved

Functional benefit

Products and services

• Cabinet CFO France Debt collection entity providing amicable and judicial debt recovery services, handling unpaid invoices, checks without provision, unpaid rent, bank debts, bills of exchange, and professional fees for businesses across France and internationally.
• Office de Procédure Juridique (OPJ) Legal proceedings office specializing in judicial debt recovery including conservatory seizures, attachment orders, court summons, payment injunction proceedings, and enforced collection. Handles 1,098 judicial procedures per year.
• Office National de Rachat de Créances (ONCR) National debt purchase office that evaluates and purchases expired debt portfolios and non-performing loans (NPL), including civil, commercial, titled and untitled debts. Offers fixed price purchase or purchase with percentage reversal.
• Sertel Medical Secretarial and Call Center Services Medical telephone secretarial services including call handling, appointment scheduling via E-Agenda synchronized calendar, professional website services, and domiciliation for medical practices. Handles 30,000 calls per year. Consumption-based tiered pricing.
• Enquêtes Civiles et Commerciales Civil and commercial investigations including search for disappeared debtors (address, phone, employer) and financial investigations (asset search, income assessment, solvency).
• Formation Juridique Legal training services for client teams on debt collection techniques, legislation, and judicial procedures, customized to their business sector.

Quantifiable outcome

• 73% collection rate
• +2 more outcomes

Named customers2 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

Feature2 records

Partnerships

Six partnerships are on record, tiered core and minor.

• 111 Partner Lawyers (Avocats partenaires)coreStrategic or Co-development PartnerEstablished network of 111 partner lawyers across France to support judicial collection procedures, providing comprehensive legal coverage for clients throughout the country.
• 95 Partner Bailiffs (Huissiers partenaires)coreStrategic or Co-development PartnerNetwork of 95 partner bailiffs to execute judicial collection procedures including seizures and forced execution of judgments across France.
• Allianz InsurancecoreOthersProfessional liability insurance (Responsabilité Civile Professionnelle) underwritten by Allianz - Police n° 54 810 556, ensuring proper coverage for the regulated collection activities.
• ANCR (Syndicat National des Cabinets de Recouvrement de Créances)coreOthersProfessional syndicate membership representing the debt collection industry in France, defending professional values of deontology, solidarity, respect, excellence and transparency.
• CPME (Confédération des Petites et Moyennes Entreprises)minorOthersMembership in the Confederation of Small and Medium Enterprises, representing and defending business interests as an employer organization.
• UN Global CompactminorOthersSignatory to the UN Global Compact supporting 10 principles relating to Human Rights, international labor standards, environment and anti-corruption.

Scale indicators9 records

Recent moves10 records

Expansion highlights6 records

Broad incumbents

• Lowell: UK-headquartered credit management services group active in NPL purchase and debt collection across Northern Europe. Overlaps directly with CFO's debt purchase (ONCR) and collection (Cabinet CFO/OPJ) value proposition at much larger scale.
• B2Holding: Norwegian NPL and debt collection platform with operations across Europe. Directly comparable business model of purchasing and servicing non-performing loan portfolios, including secured and unsecured claims, at a much larger scale than CFO.
• EOS Group: Major German-headquartered debt collection and receivables management group active across Europe. Comparable in offering both B2B collection and NPL purchase services but operates at a continental scale well beyond CFO's footprint.
• Intrum: Pan-European leader in debt collection and NPL purchasing. Comparable to CFO as it offers amicable and judicial collection plus portfolio purchases, but operates at vastly greater scale across multiple countries with public market access.
• Hoist Finance: Swedish specialist in NPL portfolio investments and consumer debt servicing across Europe. Comparable to CFO's ONCR activity in purchasing and collecting on distressed debt, though focused primarily on consumer rather than corporate receivables.

Emerging players

• Septeo (Arpège/Secib) Legal Services: French legaltech group providing practice management and legal procedure software to law firms and judicial recovery professionals. Comparable as an enabling technology provider for the same legal recovery ecosystem that OPJ operates within.

Direct peers

• Kénora: French specialist in NPL portfolio acquisition and management, with comparable legal recovery and portfolio evaluation capabilities to ONCR. Directly competes for NPL flow from French banks and creditors.
• Mora Recouvrement: French debt collection specialist offering amicable and judicial recovery with national coverage. Closely comparable to Cabinet CFO France in service mix, geographic scope, and target clientele (French SMEs with unpaid receivables).

Others

• Coface: French global credit insurer providing trade credit management and debt collection services as adjuncts to insurance products. Comparable in addressing French businesses' receivables risk, but operates primarily as an insurer rather than a collection specialist.
• Atradius Collections: Global B2B debt collection and trade credit management arm of Atradius. Offers international collection reach that overlaps with CFO's stated cross-border capability, while serving larger corporate clients with more integrated credit insurance offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/groupe-cfo

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries4 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 GROUPE CFO