Debt collection · Large corporates, institutions, regulated industries
Pay a debtDebtor portalClient portalFR · EN
PrinciplesServicesIndustriesPlatformGovernanceInsightsMeet the management
Amicable · judicial · cross-border collection

Recover with method.
Account for everything.

LILAX manages debt recovery for large companies and institutions. Every euro collected goes through a segregated client account, every action is logged, and every debtor is treated as our client's customer.

Entrust a portfolio  →Request documentation
Registered office5 avenue de Tivoli, Aurillac, France
Share capital€168,720
Company no.108 519 018 RCS Aurillac
Collection mandate

Key terms of a
large-account mandate

Réf. LX-CM-2026
Standard form
p. 1/1
  1. ART. 1Portfolio onboarding48 hours
  2. ART. 2Collected fundsSegregated account
  3. ART. 3Remittance to creditorMonthly at most
  4. ART. 4ReportingDaily, API
  5. ART. 5Data hostingFrance
  6. ART. 6Steering committeeMonthly

Binding terms, written into every mandate, with penalties for any breach.

For LILAX, the Chair
D+1reporting on every action and every paymentCONTRACTUAL COMMITMENT
48hfrom file receipt to first collection actionCONTRACTUAL COMMITMENT
€168,720share capital, independent from any banking group
I.Principles

Three principles, written into every mandate.

Debt collection puts the creditor's reputation at stake. Our principles set out what we do on your behalf, and what we will never do.

Article one

The debtor is our client's customer.

No undue pressure, no misleading statements. Every contact complies with French collection rules and our debtor charter.

Article two

Not a single euro bypasses the segregated account.

Funds collected on behalf of creditors are ring-fenced and remitted on the contractual schedule.

Article three

Every action is logged and auditable.

Calls, letters, payment promises and receipts are time-stamped and available to the creditor at any time.

II.Services

From first reminder to enforceable judgment.

Every mandate starts with a portfolio audit. Strategy is then calibrated by segment, amount and debtor profile.

II.1

Business-to-business collection

Multichannel reminders, payment plans, commercial dispute handling.

B2B · UNPAID INVOICES
DISPUTES · PAYMENT PLANS→II.2

High-volume consumer collection

Industrial-scale processing, scoring, digital payment journeys, contact centre.

B2C · 10,000 TO 1M+ CASES
SCORING · ONLINE PAYMENT→II.3

Pre-litigation & litigation

Formal notice, payment orders, enforcement with partner judicial officers.

PAYMENT ORDERS
ENFORCEMENT→II.4

Cross-border claims

European order for payment procedure and correspondents outside the EU.

EU · EUROPEAN PAYMENT ORDER
LOCAL CORRESPONDENTS→
III.Industries

Sector-specific strategies for regulated industries.

Applicable regulation, seasonality, average amount and the sensitivity of the customer relationship: each sector calls for a distinct strategy.

Banking & creditArrears, acceleration clauses, revolving credit
EnergyCancellations, annual settlements, contract terminations
TelecomsPlans, handsets, early termination
InsuranceUnpaid premiums, subrogation
Mobility & financeLeases, long-term rental, fleets, tolls
Healthcare & servicesOut-of-pocket balances, private facilities
IV.Method

Four steps, one point of contact.

The method is the same for one hundred or one million cases. Only the depth of segmentation and the level of automation change.

Week 1

Portfolio audit

Ageing, amounts, data quality, reminder history.

Weeks 1–2

Segmentation & scoring

Cases prioritised by likelihood of recovery.

Ongoing

Multichannel execution

Letter, email, SMS, calls, online payment, then litigation.

D+1 · monthly

Remittance & reporting

Remittance from the segregated account, reconciliation, steering committee.

V.Platform

Your receivables, visible at any time.

A single client portal to submit cases, track every action and reconcile collections in your accounts.

PORTFOLIO · RESIDENTIAL ENERGYDEMONSTRATION DATA
Entrusted€8.42M
Collected€2.17M
Active cases14,908
Payment plans3,211
ActualTarget
VI.Governance

An independent structure, with separate controls.

The people who collect are not the people who control. Compliance and data security report directly to the Chair.

Company
LILAX · Chair

SASU with share capital of €168,720

Department
Collection operations

Account directors, amicable collection floor, litigation unit, network of judicial officers.

Department
Compliance & internal control

Review of scripts and letters, complaint handling, segregated account audit.

Department
Data & security

Data protection officer, systems security, hosting in France.

Risk committee · quarterlyComplaints review · monthlySegregated account audit · yearly
VII.Insights

The LILAX payment terms observatory.

A quarterly note on late payment in France, by sector and by region, written for finance directors.

Issue no. 1Q4 2026

Business-to-business payment terms: a sector review

Forthcoming · January 2027
ReportEnergy

Residential arrears after the tariff shield

Forthcoming
GuideProcurement

Selecting a collection provider: the 20-criteria grid

Available · PDF
§Procurement

Running a tender?

We respond to public and private tenders. Compliance pack, technical proposal and pricing grid delivered within 72 hours.

Request the pack  →