Preventbaddebts
Anticipate failures before they impact your cash flow. Solvency scoring, recommended credit exposure, real-time alerts.
A client who doesn't pay is a cash flow problem. A strategic supplier going bankrupt is a business continuity problem. In 2026, corporate insolvencies remain at high levels, payment delays are growing longer, and the cascade effects are real: a single bad debt from a partner can weaken your entire value chain.
The problem is that most organizations react too late. They discover a partner's financial deterioration when the invoice is already overdue. No early warning signal, no up-to-date scoring, no alert.
Conitiv gives you a head start. Our solvency scoring covers 12 million French companies, with a score out of 20, a recommended credit exposure, over 50 financial ratios, and continuous monitoring. You detect weak signals before they become financial incidents.
What Conitiv solvency scoring brings you
A solvency score out of 20
Each company receives a predictive score built from its published annual accounts. This score reflects the probability of default within 12 months and lets you rank your partners by risk level: minimal, low, moderate, high, very high.
A recommended credit exposure
Conitiv calculates a credit exposure threshold tailored to each partner. If the exposure you have set exceeds the recommendation, you are alerted. It is a practical tool for credit managers: you adjust your commercial terms based on data, not intuition.
Over 50 calculated financial ratios
Operating performance, financial structure, profitability, self-financing capacity, working capital requirements, payment terms... Everything is calculated automatically from the annual accounts, with multi-year history. Our AI agent generates a written commentary on strengths, weaknesses, and areas of concern.
Continuous monitoring and alerts
Default risk evolves over time. Conitiv monitors your partners continuously and alerts you in case of deterioration: score changes, new accounts published, legal events. You shift from one-off checks to active credit risk management.
Protect your receivables and secure your suppliers
Conitiv solvency scoring works both ways:
Client side
Identify at-risk clients before granting payment terms. Adjust your credit exposure. Limit your financial exposure.
Supplier side
Spot financially weakened suppliers to anticipate supply chain disruptions and prepare alternatives.
Dependency risk
Conitiv evaluates the weight of your business relationship relative to the partner's revenue. If you represent too large a share, the dependency is mutual — and so is the risk.
Frequently asked questions
Stop discovering problems too late.
Test Conitiv solvency scoring on your portfolio — and identify your at-risk partners before the next bad debt.
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