The French e-invoicing reform
Since 1 September 2026, every VAT-registered company in France must be able to receive electronic invoices, and large and mid-sized companies must also issue them. SMEs and micro-businesses will start issuing them on 1 September 2027.
What is mandatory e-invoicing?
Invoices between VAT-registered companies in France go through an approved platform (plateforme agréée, PA) chosen by each company. Some data is sent to the tax authorities (e-reporting).
Why it matters for credit scoring
Today, part of credit scoring relies on annual accounts published 12 to 18 months late, when they are published at all. E-invoicing flows will bring more recent data:
- Recent activity: revenue trends without waiting for the annual accounts.
- Actual payment terms: invoice by invoice, whether a customer pays on time or late.
- Earlier warning on delays: longer payment delays become visible sooner.
The expected result: a score re-assessed more often, based on more recent data than annual accounts alone.
This data is not public: it flows between companies, their approved platforms and the tax authorities.
What e-invoicing flows will make possible
Three expected benefits for customer risk management
Scores re-assessed more often
With recent invoicing data, the score can be re-assessed more often than with annual accounts alone.
A more recent view of activity
Revenue trends will be visible sooner, which helps spot a drop in activity.
Young companies assessed better
A company that has not yet filed accounts can also be assessed from its first invoicing flows.
RocketFin: e-invoicing integration planned for the first half of 2027
RocketFin plans to integrate e-invoicing and accounting flows in the first half of 2027, to enrich the score with more recent data.
Planned steps
Our roadmap for an integration in the first half of 2027.
Partnerships with approved platforms
Discussions with approved platforms (PA) and definition of the technical integration specifications.
Integration development
Secure connections to retrieve, with the consent of the companies concerned, the invoicing data useful for scoring: amounts, dates, payment terms.
Integration into the scoring model
These new indicators taken into account in the score and in the PDF report.
Availability for clients
Gradual roll-out to RocketFin clients in the first half of 2027.
Frequently asked questions
E-invoicing and credit scoring: the essentials