01 · CONNECT
Link your accounts securely
Connect banking data through licensed aggregators. No statements to upload, no spreadsheets to maintain — read-only access, GDPR by design.
Payment risk intelligence · France
Know which customers will pay late — before they do.
FluxGuard reads French public registries and your banking data together, scoring counterparty risk and protecting the cash flow your business runs on.
Atelier Moreau SARL
CONSTRUCTION · ÎLE-DE-FRANCE
73/ 100 risk
Payment default risk over the next 90 days
Payment trend declining for 3 months
Subcontractor in BODACC proceedings
Average delay now +18 days
The problem
When one company fails, the whole supply chain feels it.
Late payment is the quiet, structural risk inside French B2B. A single insolvency turns into unpaid invoices for suppliers — who then strain to pay their own.
0
of French companies face payment delays
Coface · 2025
0
days, the average length an invoice is paid late
Coface · 2025
0
corporate insolvencies in France during 2024
Banque de France
0
in supplier debts exposed by failures, first 8 months of 2025
Coface · 2025
The cascade effect
Traditional credit checks look at one company in isolation, using financial statements that are often a year out of date. By the time the warning shows up, the loss has already moved down the chain.
FluxGuard watches the signals that move first — real payment behavior and official registry events — so a developing problem is visible weeks before an invoice goes unpaid.
One insolvency travels down the payment chain — illustrative
How it works
Two data worlds, read as one signal.
We combine the official record of a company with how it actually pays — then turn the pattern into a score, a forecast, and an alert you can act on.
External & first-party inputs
FluxGuard risk engine
Actionable output in your dashboard
02 · MONITOR
Watch the official record
We track BODACC filings, company-status changes and registry events the moment they're published — across every counterparty you work with.
03 · ACT
Move before the loss does
Get a clear risk score, a forecast of when an invoice will be paid, and alerts when something shifts — with referral access to factoring when you need liquidity.
The product
A control room for the money you're owed.
Every counterparty, scored and ranked. Select a company to see why it's flagged — the signals, the forecast, and the cash flow at stake. Try it below.
Receivables risk / portfolio
Interactive demo · illustrative data
Counterparty watchlist
4 of 128—
—
0/ 100 risk
Payment default risk · next 90 days
Signals detected
Delay forecast — next invoice
—
—predicted
At-risk receivables · 90 days
projectedat risk
Live alerts 3 new
Nord Logistique SAInsolvency notice published on BODACC.2 hours ago
Atelier Moreau SARLPayment trend worsening — delay up to +18 days.Yesterday
Distrib Lyon SASInvoice €9,200 settled 4 days early.2 days ago
All companies, figures and signals shown are illustrative demonstration data.
Roadmap
Built in three layers.
Each phase compounds the one before it — turning a scoring tool into a network nobody else can rebuild from scratch.
MVP · launching 2026
Predictive scoring from open data
The foundation: integrate BODACC, the company registry and INSEE with your banking data to score counterparty risk before problems surface.
- Real-time registry & insolvency monitoring
- Counterparty risk score, 0–100
- Cash-flow forecasting and early alerts
2027
The Payment Network Graph
Every client becomes a node. We map B2B payment flows across the base and surface second-order risk — when your customer's customer is the one in trouble.
- Map of inter-company payment relationships
- Second-order & chain-exposure detection
- Network effects that strengthen each score
2028 onward
The Payment Reliability Index
A network-based reliability score for French SMEs — built from payment behavior observed in real transactions, not financial statements that are a year out of date.
- Reliability scoring from observed behavior
- Updated continuously, not annually
- Purpose-built for the French SME ecosystem
Who's building it
Operators in finance, data and risk.
A founding team that has built financial technology, run controls on large-scale operations, and worked inside factoring and European compliance first-hand.
Chief Executive Officer
Esomchi Nwofor
20+ years leading technology across banking, insurance and asset management, including a CEO role at Coronation Technology. Sets product and technical direction.
Chief Financial Officer
Richard Anjorin
Fellow Chartered Accountant who has run financial controls on large-scale infrastructure projects, including a USD 870M build. Owns finance, compliance and reporting.
Chief Operating Officer
Abhisek Kapoor
17 years in accounts and administration across the UK, India and the UAE, with hands-on factoring operations and European compliance. Leads operations and partnerships.
Recognized as an innovative company by France's DRIEETS — the regional directorate of the French Ministry of the Economy.
Get in touch
Start protecting your receivables.
Request early access for your team, or send us a note. We're onboarding French SMEs ahead of the 2026 launch.
Send us a message
Tell us about your business and we'll be in touch.
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Confirm in your email app and we'll keep you posted on the 2026 launch.
Email
contact@fluxxguard.com