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International Credit Information
July 15, 2008 -
by Michel Besson
Executive Manager of BEIC
(Bureau Européen d’Informations Commerciales / European Credit Rating Agency)
Joint author of «Tout savoir sur vos partenaires» EO 2003 (All you want to know about your commercial/business partners)
Manager of the magazine publication RIE (Regards sur l’Intelligence Economique) |
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New product : Comprehensive Credit Report
If we succeeded in writing a reference book of 250 pages on “Credit Information Services ” in France* with its numerous public information data, of which the principal ones are available on “societe.com”, it would be really very different in any other country of the world because this transparency is a French specificity. Under these conditions, how can our customers calculate their customer or supplier risk outside our borders? By the good old ways of local investigations, the cross-checking of information directly sourced from professionals in connection with the investigated company……
BEIC ‘s Credit information Business is elaborated through processes, methodologies and IT’S own BEIC networks. It is based above all on the knowledge of the administrative machinery of the subject’s company and the know how of international information channels. It also knows how and where to get the missing and added-value information. It is above all a huge work of investigation where our team of financial analysts carried out several investigations until the acquisition of the fact that the company is creditworthy and viable at medium and long term.
CESCE - a customer interview
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Philippe Decaudin
CESCE |
CESCE is the Spanish number one in Spain and fourth in the world of credit insurance and the fourth world one. It generates a turnover of 350 million euros with 1 600 employees. The Spanish State holds 50.25% participation of CESCE‘s authorized share capital.
Philippe Decaudin, France Commercial Manager testifies the following : “We regularly use BEIC’s services for countries where information is rare like in Switzerland or where database systems don’t’ exist as in Morocco or where the credit risk is considered high as it is the case for certain Eastern European countries.
Cesce is CURRENTLY developing on the French market and must bring our customers, a new appreciation on the businesses by accepting credit insurance levels, where our fellow-members retracted.
For instance, we were able to insure a company with less than three months of activity based in Morocco because BEIC were able to prove the excellent experience and reliability of the management in place. The latter were engaged in other local businesses and the BEIC international team succeeded in obtaining positive financial data. The precise credit report reassured us about their personal and professional background. The credit information reports delivered by BEIC is a precious help in our decision-making because they go well beyond traditional information”.
www.cesce.fr
A UNIQUE INTERNATIONAL EXPERTISE ON THE CREDIT INFORMATION MARKET
THE COMPREHENSIVE REPORT
Questioning and aggregation of targeted sources are the prerogative of our know-how. We are, thus, able to answer precise questions about each actor: who are the subject’s main customers, its main suppliers, its partners, which are the axes of development, the investments, the new products, subject’s sales and profitability levels since the last financial statements, quid of management and the financial strength?
You can choose the subscription (by purchasing units) by integrating our customer data base: all our studies are in French but we can deliver you the credit reports in Italian, Spanish, and German.
The new BEIC ‘s offer is declined in three types of services :
- BASIC REPORT (BR) :
Subject identification and basic information regarding the juridical and economical environment. This kind of report is dedicated to urgent credit risk assessment and only for credit exposure up to 15 000 euros.The information is collected through our local informants ONLY.
- COMPREHENSIVE REPORT (CR) : Starting from a comprehensive base of legal and financial data, our reporters then collect through direct contacts, control and analyze the qualitive information which give a true picture of a business at the very time of your request.
This report contains financial forecast (if available) and development projects of the subject company.
This report is supplemented by a search in the international press.
- SPECIFIC SERVICES (PRICE ON APPLICATION): Search for partnerships (suppliers, distributors), market study, research for external growth, …
Michel Besson
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