Coface

What Coface does

Coface (COFACE SA) is a France-headquartered, Euronext Paris-listed (ticker: COFA) trade credit insurance and business information provider founded in 1946. The company operates in approximately 100 countries with a workforce of 5,500+ employees and serves 100,000+ business customers, managing EUR 725 billion of insured receivables. Its core offering centers on trade credit insurance protecting B2B companies against customer insolvency and payment default, delivered through three tiers: EasyLiner for small businesses (under EUR 10M turnover, from EUR 2,500/year), TradeLiner for mid-market (over EUR 7M B2B revenue, customizable), and GlobaLiner/Coface Global Solutions for multinationals (EUR 250M+ revenue, single master policy). Complementary products include Single Risk and Single Frame project insurance, Coface Collect debt collection, and the Urba360 business information platform covering 245+ million companies in 200 countries.

The technology platform is built on an API-first architecture combining proprietary payment behavior data with predictive analytics. Named components include the CofaNet Essentials customer portal for policy management and credit limit applications, the Coface API Platform (developers.coface.com) for ERP/CRM integration, the Alyx digital credit management assistant, the Coface Score (0-10 probability of default within 12 months), the Late Payment Index (60-month payment behavior analysis), and the Coface Risk Dashboard covering 160+ countries and 13 industries. In January 2026, Coface integrated LSEG Risk Intelligence's World-Check One compliance screening into Urba360, extending the platform into KYC/compliance. Coface carries financial strength ratings of AA (Fitch), A1 (Moody's), and A+ (AM Best), all with stable outlooks.

Coface generates revenue primarily through recurring annual insurance premiums (0.1-1% of insured turnover for mid/large clients; fixed packages from EUR 2,500 for SMEs), subscription-based business information services via Urba360 and the API, and commission-based debt collection fees on successfully recovered amounts. Distribution combines direct field sales for enterprises, inside sales for mid-market, digital self-service (EasyLiner) for SMEs, and broker channels via a dedicated Broker Portal. Customer segments are served horizontally across SMEs, mid-market, and multinationals, with named enterprise clients spanning Dassault Systèmes, GEODIS, MACSTEEL, Argent Energy, Vidalies, Weber Group, and MITH.

Name

Coface

Legal name

COFACE SA

Website

https://coface.at

Company type

Public

Founded year

1946

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Coface is a France-listed trade credit insurance and business information provider, founded 1946, serving 100,000+ B2B customers across 100 countries with credit insurance, debt collection, and risk data covering 245 million companies.

Ownership category

akta.pro rank

Product category

Trade Credit Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Property and Casualty Insurance Carriers (524126)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Trade Credit Insurance Brokerage (FSAEADAL)

Keywords

• Trade credit insurance
• Business information services
• B2B debt collection
• Credit risk management
• Political risk insurance

Headquarters

HQ city

Bois-colombes

HQ country

France

HQ region

Europe

Offices18 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Credit Insurance Premiums: Annual insurance premiums for trade credit protection, calculated as percentage of insured turnover (typically 0.1-1% for mid-to-large companies) or fixed packages starting at EUR 2,500 for small businesses. Premiums cover protection against customer insolvency, political risks, and payment defaults.
2. Business Information Services: Revenue from providing company credit reports, financial data, risk assessments, and monitoring services through Urba360 platform and API integrations. Sold as subscription or per-inquiry access to credit scores, financial indicators, and risk analyses.
3. Debt Collection Services: Commission-based collection services where fees are charged only on successfully recovered amounts, both domestically and internationally.

Pricing tiers

Go-to-market motion2 records

Distribution channels8 records

Marketing channels9 records

Core offering

Coface fundamentally sells trade credit insurance to B2B companies, protecting them against customer non-payment and insolvency on domestic and export receivables, offered in tiered variants (EasyLiner for SMBs, TradeLiner for mid-market, GlobaLiner for multinationals). Alongside underwriting, it sells business information and credit risk data through the Urba360 platform and API, B2B debt collection services (Coface Inkasso) on a success-fee basis, and single-risk/project insurance covering political and economic risks in international projects.

Product overview

Coface offers a multi-layered portfolio of trade credit insurance and business information solutions. At its core, the company provides Warenkreditversicherung (trade credit insurance) in tiered forms: EasyLiner for small businesses (under €10M revenue, flat-rate pricing from €2,500/year), TradeLiner for mid-sized enterprises (over €7M B2B revenue, customizable options), and GlobaLiner/Coface Global Solutions for multinationals (minimum €250M revenue, single master policy for subsidiaries). The insurance portfolio includes Single Risk and Single Frame for project-based coverage, and TopLiner as a supplementary add-on. Complementing the insurance products is the Urba360 business information platform, which provides credit risk scores, financial data, payment behavior monitoring, and country/sector risk assessments across 245+ million companies in 200 countries — accessible via API, the Urba360 portal, and CofaNet Essentials. Coface Inkasso handles B2B debt collection globally. All core products feed into a unified risk management ecosystem, with digital tools (Alyx, Coface Dashboard, Coface Risk Dashboard) providing automation, monitoring, and analytics.

Differentiator

Problem solved

Functional benefit

Brands

• EasyLiner: All-inclusive credit insurance for small businesses with annual revenue under 10 million euros, starting at 2,500 euros per year
• TradeLiner
• GlobaLiner
• TopLiner
• Urba360
• CofaNet Essentials
• Alyx
• Coface Collect
• Single Risk
• Single Frame

Products and services

• Trade Credit Insurance Core B2B trade credit insurance protecting companies against customer insolvency and payment default on domestic and export receivables, covering political risks, economic risks, and manufacturing risks; offered in tiered variants for SMBs (EasyLiner), mid-market (TradeLiner), and multinationals (GlobaLiner/Coface Global Solutions).
• EasyLiner All-inclusive, fully digital trade credit insurance for small businesses with annual revenue under EUR 10 million, priced as a flat annual package starting at EUR 2,500 per year, covering unpaid invoices, customer credit monitoring, and debt collection.
• TradeLiner Flexible trade credit insurance for mid-sized companies with B2B revenue exceeding EUR 7 million, offering customized contracts with options for political events, natural disasters, fabrication risk, prepayment coverage, and disputed claims, with compensation up to 90% of the loss.
• GlobaLiner Global trade credit insurance for multinational corporations with operations in multiple countries and minimum revenue of EUR 250 million, providing a single master policy covering subsidiaries worldwide with up to 95% coverage of transactions.
• Coface Inkasso (Debt Collection) Professional B2B debt collection services covering domestic and international markets, handling extrajudicial and judicial debt recovery through a global network of local experts, with commissions charged only on successfully collected amounts.
• Urba360 Business Information Platform All-in-one business information platform providing credit risk assessments, company credit scores, financial data, payment behavior monitoring, credit opinions, country risk analysis, and sector risk analysis for over 245 million companies in 200 countries, sold via subscription or per-inquiry access.
• Coface API Platform API interface platform enabling enterprise integration of Coface trade credit insurance and business information services into ERP and CRM systems via documented APIs and connectors.
• Single Risk / Single Frame (Project Insurance) Insurance coverage for complex projects against political and economic risks. Single Risk covers large projects with terms up to 8 years (private buyers) or 10 years (public buyers); Single Frame provides umbrella contract coverage for ongoing small and medium projects up to 5 years. Both are non-cancellable and cover payment default, contract breach, expropriation, embargoes, and political events.
• Coface Premium Services Premium service tier for large and mid-sized companies with insurable revenue exceeding EUR 150 million, offering exclusive customized support, global expertise across 100+ countries, proactive risk management, expert assessments, and real-time monitoring digital tools.
• Alyx Digital credit management assistant that automates the full credit management lifecycle from acquisition through collection, alerting users to potential risks, reminding of deadlines, and simplifying collaboration between sales, accounting, and Coface teams.

Quantifiable outcome

• Up to 90% compensation for unpaid receivables covered by credit insurance
• +3 more outcomes

Named customers12 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability4 records

Feature7 records

Partnerships

One partnership is on record.

• LSEG Risk Intelligence (London Stock Exchange Group)coreTechnology or Integration · 13 January 2026Coface partnered with LSEG Risk Intelligence to integrate World-Check One compliance screening tools into its Urba360 business information platform. This collaboration enables companies to access premier compliance screening tools combined with Coface credit risk data through a single user interface.

Scale indicators10 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• Euler Hermes (Allianz Trade): World's largest trade credit insurer, now operating as Allianz Trade under Allianz Group. Direct one-to-one competitor across credit insurance underwriting, business information, and debt collection, with similar multinational/multimarket focus.
• Atradius: Second major global trade credit insurer (backed by Grupo Catalana Occidente and Pensions Caixa), competing head-to-head in credit insurance, collections, and credit information across Europe, the Americas, and Asia.
• Dun & Bradstreet: Closest functional analogue to Coface's Urba360 business information and Coface Score — provides commercial credit scores, master data, and B2B risk analytics on a global company universe, increasingly overlapping with APIs and embedded use cases.

Emerging players

• Creditsafe: Smaller-scale business information and credit reports provider focused on SMBs and self-service online customers — overlaps with Urba360/EasyLiner on the lower end of the market where Coface targets sub-EUR 10M revenue businesses.

Broad incumbents

• Moody's Analytics: Broader risk analytics and credit data arm of Moody's — overlaps with Coface URBA360 on credit opinions, default probability scoring, and macro/sector risk dashboards used by large enterprises.
• S&P Global Market Intelligence: S&P's commercial data, ratings, and risk analytics division — competes for enterprise spend on credit intelligence, sector risk, and counterparty monitoring that Coface also sells via URBA360 and the API platform.
• Aon: Global insurance brokerage and risk advisory firm — places trade credit insurance on behalf of clients and competes with Coface Premium Services / Coface Global Solutions for large multinational program design and broker-driven placements.
• Marsh: World's largest insurance broker (part of Marsh McLennan) — arranges credit insurance programs and credit-related political risk coverage for large corporates, competing for the same multinational accounts as Coface Global Solutions.
• Swiss Re: Global reinsurer with material credit and political risk reinsurance business; competes with Coface's Single Risk/Single Frame project insurance books through reinsurance treaties and retrocession capacity to primary credit insurers.
• LexisNexis Risk Solutions: Provider of business information, compliance data, and risk analytics for B2B decisions — overlaps with Urba360, Coface Score, and the new LSEG World-Check One compliance integration in adjacent enterprise procurement and KYC use cases.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/coface
• YouTubeyoutube.com/channel/UCuU08Os2ejBRB8dbu76jgIw
• LinkedInlinkedin.com/company/coface

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries13 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 Coface