The E-Invoicing Revolution
From September 2026, all French companies must issue and receive their B2B invoices electronically. This regulatory obligation will create an unprecedented real-time financial data flow.
What is Mandatory E-Invoicing?
Electronic invoicing becomes mandatory in France for all B2B transactions from September 2026 (large companies) and 2027 (SMEs). All invoices must transit through a Partner Dematerialization Platform (PDP) or the Public Invoicing Portal (PPF).
Why Is This a Revolution for Credit Scoring?
Today, credit scoring relies mainly on obsolete historical data: financial statements arrive 12 to 18 months late, payment incidents are detected with several weeks of delay, and real turnover is only known once a year.
With mandatory e-invoicing, everything changes. Invoicing data becomes accessible in real-time for all French companies:
- Real-time turnover: No need to wait for the annual statement, turnover is visible invoice by invoice, day by day
- Actual payment terms: Each invoice reveals whether the customer pays on time, late, or doesn't pay at all
- Instant payment incidents: Delays are detected at D+0 instead of D+30-60
- Early cash flow tensions: Progressive lengthening of payment terms signals financial deterioration 3 to 6 months before failure
The result? Dynamic credit scoring that evolves daily based on companies' financial reality, no longer on declarative data over a year old.
Concrete Benefits of E-Invoice-Based Scoring
5 major advantages that radically transform customer risk management
Instant Default Detection
Payment incidents detected at D+0 instead of D+30-60. Reduction of payment default losses by 40-60% through immediate reaction.
Daily Dynamic Scoring
Solvency score updated daily based on real invoicing flows, vs quarterly with traditional accounting data.
Real Turnover Visibility
Access to real daily turnover for each company, enabling immediate detection of critical activity drops.
Early Warnings 3-6 Months Ahead
Progressive lengthening of payment terms signals financial deterioration 3-6 months before failure, vs 0-1 month with statements.
Young Company Evaluation
Startups and young companies without accounting history can be evaluated from their first invoicing flows, democratizing credit access.
Working Capital Reduction
Instant detection of risky customers enables 15-25% reduction in outstanding amounts, freeing cash for growth instead of financing defaults.
RocketFin: Native E-Invoice Flow Integration Q1 2027
We officially announce native integration of e-invoicing flows in RocketFin by early 2027, to offer the most responsive and predictive credit scoring on the French market.
Integration Timeline
Our technical roadmap to be operational as mandatory e-invoicing comes into effect
PDP Partnerships & Technical Specifications
Signing partnerships with major French Partner Dematerialization Platforms (PDP) and defining technical API integration specifications.
API Integration Development
Development of secure API connectors to automatically extract invoicing data (amounts, dates, payment terms) from PDPs and PPF.
Real-Time Scoring Algorithms
Adaptation of our AI algorithms to integrate real-time invoicing flows and generate daily dynamic scoring with automatic alerts.
Commercial Launch & Client Deployment
Commercial launch of 'RocketFin Real-Time' offering with native e-invoice integration. Progressive deployment to existing and new clients.
Our Commitment
RocketFin commits to offering the most complete and performant integration of e-invoicing flows on the French market. Our clients will benefit from daily updated dynamic scoring and instant alerts in case of payment behavior degradation of their counterparties, from early 2027.
Frequently Asked Questions
Everything you need to know about e-invoicing and real-time scoring