Entrepreneurs, IEDOM is here to support you !
IEDOM can support you with the day-to-day management of your business and help you to grow your activity. As a representative of the Banque de France, the institute is responsible for evaluating the financial health of businesses in French overseas territories using a credit rating system. It also conducts in-depth studies to shed light on the economic and financial situation of businesses.
IEDOM also provides direct support to companies, including through credit mediation and the VSE-SME liaison officer role.
Click on one of the sections below to get information relevant to your situation.
Business advisory service
Here to listen to you and provide tailored support and guidance.
Solutions for financial difficulties
Several support mechanisms are available, such as credit mediation or the right to access to a professional bank account.
Tools at your disposal
Practical tools to meet your needs: free financial diagnosis, financial analysis tools, insights into your economic sector or region, the ’Mes questions d’entrepreneur’ portal.
Les réponses à vos questions
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The rating is provided free of charge and systematically to the company’s legal representative.
To check your rating, you can :
- Online: Access the Company portal
- By mail: Send a written request to your local IEDOM office.
- In person: Make an appointment at the IEDOM office in your territory.
More information is available in our Business rating section
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Start by contacting the IEDOM SME/SMB liaison officer covering your area. He/She will assess your situation and direct you towards the most suitable support solutions.
You can contact your liaison officer by phone or email, or schedule an appointment at your local IEDOM branch. Se our SME/SMB liaison officer sectionIf you are having difficulties with your financial partners (banks, leasing companies, factoring services, credit insurers, etc.), you can also contact the Credit Mediation Service.
Submit your mediation request online through theCredit Mediator platformMore information is available in our Solutions in case of difficulties section.
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IEDOM offers three complementary services to help you assess your company’s performance and economic environment :
- DiagFi BDF is a free tool that provides a full financial diagnosis of your company, including sector benchmarking. A financial analyst can help you interpret the results. Log in to your Company Portal to download your DiagFi BDF report.
- Our regional economic studies provide key data on business activity, payment delays, bankruptcies and the economic outlook in your territory.
- For more in-depth insights, the ACSEL service delivers custom studies tailored to a specific region or business sector to help local decision-makers better understand their economic environment.
More information is available in our Tools and ressources section.
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The rating is confidential.
According to the French Monetary and Financial Code, it is accessible only to :
- The company’s legal representative (free and automatic access).
- Credit and financial institutions that are members of the FIBEN database. These institutions may not share this information outside their organisation.
More information is available in ourBusiness rating section
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As the legal representative, you may request a meeting with an IEDOM expert who will explain the factors that led to your company’s rating.
Contact your local IEDOM office to schedule an appointment.
More information is available in our Business rating section
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IEDOM’s SME/SMB liaison officers can assist you by :
- Analysing your situation
- Referring you to the appropriate financing contacts
- Supporting you during times of crisis
Contact your local SME/SMB liaison officers by phone, email, or by scheduling an appointment at your IEDOM agency.
More information is available in our SME/SMB liaison officers section
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The rating plays an important role in two areas.
For your company and financial partners :
- It provides an independent assessment that meets international credit risk standards.
- It facilitates dialogue between lenders and your company.
- It offers valuable insight into your company’s financial health and repayment capacity.
For monetary policy:
- Banks use ratings as collateral for refinancing with the Eurosystem.
- Ratings help banks to calculate their capital requirements under solvency standards.
More information is available in our Business Rating section
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If you are experiencing issues with your financial partners (banks, leasing companies, factoring providers, credit insurers), you can submit your case to the Credit Mediation service.
To do so, simply submit your application online on theCredit mediator platform.
More information is available in our Solutions in case of difficulties section.