Credit risk management

Manage credit risk before it becomes bad debt

Proactive commercial credit risk monitoring through credit insurer integration, per-customer and group exposure analysis, combined scoring and real-time alerts.

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Credit insurance coverage management

Integrate your credit insurance policies directly into FK to monitor coverage, exposure and limits from a single platform.

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Credit insurer integration: Solunion, Coface, Atradius, Crédito y Caución to sync coverage limits automatically

monitoring

Coverage monitoring: real-time view of insured amount vs. outstanding receivables per customer

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Excess alerts: automatic notifications when a customer approaches or exceeds their coverage limit

policy

Policy management: track coverage policies, limits, conditions and renewal dates from FK

Analytics & exposure

Visualize the relationship between insured coverage and actual exposure with detailed charts and business group analysis.

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Coverage analytics

Interactive dashboards showing the relationship between contracted coverage and actual exposure per customer, group and portfolio.

  • check_circle Coverage vs. exposure graphs per customer and business group
  • check_circle Coverage utilization trend analysis over time
  • check_circle Portfolio-level coverage ratio dashboards
  • check_circle Uninsured exposure identification and reporting
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Client group analysis

Assess consolidated risk by grouping customers by business group, tax ID, parent company and subsidiaries.

  • check_circle Risk analysis by business group (parent company, subsidiaries)
  • check_circle NIF-based grouping for consolidated risk view
  • check_circle Cross-entity exposure calculation
  • check_circle Group-level coverage vs. individual entity coverage comparison

Risk intelligence

Combine internal payment behavior data with external financial information sources for a comprehensive risk assessment.

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Risk scoring: combined internal (payment behavior) + external (bureau) scoring per customer

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Financial bureau integration: Iberinform, AXESOR, Informa D&B for up-to-date data

visibility

Watch lists: monitor high-risk customers with custom alert thresholds

assessment

Risk reports: configurable exposure reports by sector, geography and customer segment

Risk providers & integrations

Direct integration with leading financial information providers, credit insurers and debtor registries in the market.

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Financial information providers

Iberinform, AXESOR, Informa D&B

Access credit reports, scoring, company financial data and real-time monitoring directly from FK.

  • check_circle Company credit reports and scoring
  • check_circle Up-to-date financial and solvency data
  • check_circle Real-time change monitoring
  • check_circle Automatic risk alerts
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Credit insurers

Solunion, Coface, Atradius, Crédito y Caución

Integrate credit insurance policy management, limit requests, default declarations and claims without leaving FK.

  • check_circle Credit insurance policy management
  • check_circle Online credit limit requests
  • check_circle Automated default declaration
  • check_circle Claims tracking
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Debtor registries

Asnef, Icired, RIJ

Integration with major debtor registries in the Spanish market. Publish, query and withdraw debts to incentivize payment and assess risk.

  • check_circle Automated debt publication previously validated and communicated to the customer via certified communication
  • check_circle Complete reporting of registrations, removals and errors with trace of affected receivables in each publication
  • check_circle Debtor inclusion status check and automatic removal upon payment
  • check_circle GDPR compliance throughout the publication process

Want to stay ahead of credit risk?

Request a demo and we'll show you how FK helps you control credit risk across your entire customer portfolio.

Request demo