In France, 25% of business failures are directly linked to cash flow problems caused by excessive payment delays, according to a recent study on DSO optimization. Faced with this alarming reality, debt management and the automation of collection processes have become major strategic challenges for any company offering financing solutions.

While the average French DSO stands at 52 days compared to 44 days for the European average, French companies lag significantly behind, immobilizing billions of euros in cash flow. This situation is pushing financing players to fundamentally rethink their recovery workflows to gain efficiency while preserving customer relationships.

It is in this context that Basikon, a low-code financing platform, is revolutionizing the traditional approach to automated collections. Thanks to its cloud-native technology and advanced integration capabilities, Basikon enables financing companies to transform their manual processes into intelligent and personalized workflows.

The State of Collections in France: Challenges and Opportunities

Alarming statistics: French DSO vs European

The figures speak for themselves: France displays an average DSO of 52 days in 2025, 8 days more than the European average, according to the latest sector data. This difference represents a cash flow shortfall estimated at 2.2% of French GDP, or approximately 55 billion euros immobilized in customer receivables.

Germany with its 38 days and the Netherlands with 41 days demonstrate that a stricter payment culture generates sustainable competitive advantages. This superior performance is notably explained by more advanced digitalization of collection processes and massive adoption of automation solutions.

Financial impact of payment delays on cash flow

According to a specialized analysis on the impact of collections, 25% of French business failures are due to payment delays. Each day of DSO reduction directly frees up cash: for a company generating 1 million euros in annual revenue, reducing DSO by 10 days generates 27,400 euros in additional cash flow.

This reality particularly affects financing players who manage large volumes of contracts. This is the case with Arrawaj, a microcredit foundation that manages 200,000 active microcredit contracts and had to completely rethink its payment monitoring processes to maintain its growth.

Regulatory evolution and new requirements

The French regulatory context is also evolving with increased surveillance of doubtful receivables. Les Échos reported at the end of 2024 that French financial institutions present NPL rates (credits with more than 90 days of non-payment) under reinforced surveillance by authorities.

This regulatory pressure pushes financing companies to adopt real-time monitoring systems and more sophisticated collection processes. Traditional solutions quickly show their limits when faced with these new requirements for traceability and responsiveness.

The Limitations of Traditional Collection Workflows

Time-consuming manual processes and sources of errors

Traditional collection processes still rely heavily on time-consuming manual interventions. Teams spend hours identifying overdue payments, preparing personalized reminders, and tracking payment promises. This artisanal approach not only generates high operational costs but also risks errors and oversights.

According to collection experts, late intervention significantly diminishes collection rates. Statistics show that 30% of invoices overdue by more than 60 days will never be paid, highlighting the importance of responsiveness in recovery workflows.

Lack of personalization in reminders

Traditional systems struggle to adapt reminder strategies to each customer's specific profile. A uniform approach doesn't account for behavioral particularities, payment history, or the debtor's financial situation. This standardization harms collection efficiency and can degrade the commercial relationship.

Modern solutions, on the contrary, enable the creation of personalized collection journeys based on artificial intelligence and predictive analytics. These approaches increase collection rates by up to 35% according to sector feedback.

Integration difficulties between systems

One of the major challenges for financing companies lies in integration between their different systems: CRM, ERP, accounting, payment systems. Traditional collection workflows often operate in silos, requiring manual data re-entry and creating process breaks.

This fragmentation prevents a global customer view and delays decision-making. Integrated platforms like Basikon solve this problem by offering a unified approach where all processes communicate natively.

Low-Code Automation: Revolutionizing Debt Management

Principles and advantages of the low-code approach

The low-code approach revolutionizes the creation and management of collection workflows by allowing business teams to configure their own processes without deep technical skills. This democratization of automation significantly accelerates deployments and adaptations.

Basikon perfectly illustrates this philosophy with its 100% configurable platform that allows easy creation and adjustment of new elements to meet all collection requirements. Users can modify business rules, adapt triggering thresholds, and personalize communications without IT intervention.

Intelligent and personalized workflows

Intelligent workflows rely on customer data analysis to automatically trigger the right actions at the right time. The system can, for example, identify that a customer used to paying within 30 days is showing unusual delay and trigger a personalized preventive reminder.

A concrete automation use case shows how to optimize invoice collection with modern tools, enabling time savings, error reduction, and regular cash flow assurance. These systems can increase collection rates by up to 35%.

Native integration with the financial ecosystem

Basikon's strength lies in its native integration capability with the entire financial ecosystem. The platform connects seamlessly to payment systems, credit bureaus, electronic signature solutions, and multi-channel communication tools.

This hyper-connectivity enables the creation of end-to-end workflows that automate the entire collection cycle: from automatic overdue detection to final collection, through graduated reminders and personalized payment plan negotiation.

Basikon Client Cases: Measured Collection Performance

Arrawaj: 200,000 automated microcredit contracts

The Arrawaj Foundation and Maymouna Financial Services perfectly illustrate the benefits of large-scale collection automation. Managing 200,000 active microcredit contracts with financial inclusion services, this institution processes nearly 1 million daily accounting entries.

Thanks to the unified Basikon platform, Arrawaj was able to automate all its payment monitoring and collection processes. The system automatically detects delays, triggers appropriate reminders according to customer profile, and proposes personalized installment solutions. This approach significantly improved collection delays while preserving the institution's social mission.

Revive Capital: Integrated payment and collection workflows

Revive Capital, an independent leasing company handling more than 20,000 customers per year with a leasing volume of over half a billion euros, revolutionized its debt management through Basikon's automated workflows.

The platform natively integrates payment and collection systems with third-party tools like Signicat, Creditestimate, and ABN Amro. This integration enables real-time payment monitoring and automatic triggering of collection processes from the first missed deadline. Launched in just four months, this automated solution enabled Revive to sign its first contracts with optimized risk management.

Orion Leasing: Multi-country automated processes

Orion Leasing demonstrates the power of automation in an international context. With 60% growth and a customer base multiplied by 3, the company now manages 600+ customers with over 90,000 automated data exchanges.

The Basikon solution enables multi-country automated collection processes with adaptation to local regulations. The system automatically manages currency differences, legal specificities, and preferred communication channels by market. In less than a year, Orion increased its partner network by 80% while maintaining optimal operational efficiency in its collection processes.

Implementing a Low-Code Collection Strategy

Audit and mapping of existing processes

The first step toward automating recovery workflows consists of conducting a comprehensive audit of existing processes. This analysis identifies bottlenecks, repetitive tasks, and friction points that slow down collection.

The Basikon approach begins with detailed mapping of current flows: overdue detection delays, reminder frequency, response rates by communication channel, processing cost per case. This initial snapshot serves as a reference to measure post-automation efficiency gains.

Configuration of automated workflows

The workflow configuration on the Basikon platform relies on a modular and intuitive approach. Business teams can define triggering rules, set automatic escalations, and personalize messages according to customer profile.

For example, a typical workflow can include: automatic overdue detection D+1, friendly reminder D+3, firm reminder D+7, payment plan proposal D+15, litigation D+30. Each step can be adapted according to customer history, amount involved, and business sector. This flexibility enables continuous optimization of collection rates.

ROI measurement and continuous optimization

One of Basikon platform's major advantages lies in its real-time measurement and analysis capabilities. Customizable dashboards provide complete visibility on collection performance: DSO evolution, collection rates by customer segment, efficiency of different reminder channels.

According to Basikon's expertise on process automation, companies can expect a return on investment of 300 to 500% in the first year through the combination of financial cost savings, administrative cost reduction, and team productivity improvement.

This continuous optimization approach enables regular refinement of collection strategies based on results obtained and customer behavioral evolution.

Conclusion

The automation of recovery workflows represents a major strategic challenge for French financing companies. Faced with an average DSO of 52 days that penalizes national competitiveness, adopting low-code solutions like Basikon enables radical transformation of collection process efficiency.

The presented client cases demonstrate measurable gains: reduced processing delays, improved collection rates, optimized operational costs, and preserved customer relationships. This digital transformation doesn't just automate existing processes but fundamentally rethinks the collection approach with personalization and predictive intelligence logic.

The future of automated collections is oriented toward increasingly sophisticated integration of artificial intelligence, behavioral analytics, and omnichannel communication channels. Companies that anticipate this evolution gain a decisive advantage over their competitors.

The Basikon low-code platform accompanies this transformation by offering the flexibility necessary to adapt to regulatory changes, new customer behaviors, and technological innovations. Its cloud-native approach and integration capabilities enable the creation of truly differentiating collection workflows.

Discover how to automate your collection workflows with a personalized demonstration of the Basikon platform and transform your debt processes into a sustainable competitive advantage.

FAQ

What is a low-code platform for collections?

A low-code platform for collections allows business teams to create and modify automated workflows without deep technical skills. It offers an intuitive visual interface to configure triggering rules, personalize communications, and integrate existing systems, significantly accelerating deployments.

How to automate reminders without losing customer relationships?

Intelligent automation personalizes reminders according to customer profile, payment history, and situation. It adapts tone, communication channel, and frequency to maintain a respectful approach. Personalized workflows can automatically propose installment solutions adapted to each situation.

What ROI to expect from an automated collection solution?

Companies can expect a return on investment of 300 to 500% in the first year through administrative cost reduction, improved collection rates (up to 35% increase), and DSO reduction. Each day of DSO gained directly frees up cash flow.

How to integrate collection workflows with existing systems?

Modern platforms like Basikon offer native APIs and pre-configured connectors to integrate seamlessly with ERPs, CRMs, payment systems, and communication tools. This approach eliminates manual data re-entry and ensures real-time data consistency.

What are Basikon's advantages over traditional solutions?

Basikon stands out through its low-code flexibility, native integration capabilities, 100% cloud approach, and rapid deployment speed. The platform enables complex workflow configuration in weeks versus months for traditional solutions, while offering unlimited scalability.