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France is adopting the NAF Rev.2.3 nomenclature (NAF 2025) on January 1st, 2026. Discover how this reform impacts sectoral credit scoring and how RocketFin has already adapted its algorithms to ensure continuity and accuracy in your risk assessments.
The French Business Classification (NAF) is the system used by INSEE to identify a company's main business sector. Every French company is assigned a NAF code (or APE code) upon registration with the commercial register (RCS).
The current version, NAF Rev. 2 (NAF 2008), dates from 2008 and no longer accurately reflects the modern economy: emergence of digital and SaaS services, development of personal services, growth of green economy and ecological transition, explosion of e-commerce and last-mile logistics, etc.
đź“… Implementation Date
The new nomenclature NAF Rev. 2.3 (NAF 2025/2026) will take effect on January 1st, 2026. All companies will see their NAF code automatically updated by INSEE according to an official correspondence table. No action is required on your part.
New digital activities: Better distinction between software development, cloud computing, cybersecurity, data analytics, etc.
Green economy and ecological transition: New codes for renewable energy, energy renovation, advanced recycling, etc.
Personal services and healthcare: Finer segmentation of care activities, home assistance, and telemedicine.
Logistics and e-commerce: Distinction between traditional logistics, automated warehouses, last-mile delivery, etc.
The NAF code plays a central role in B2B credit scoring. Scoring models use the business sector to assess a company's default risk, as each sector has specific financial characteristics and economic cycles.
Some sectors are structurally riskier (restaurants, construction, traditional retail) while others are more resilient (tech, healthcare, B2B services). Sectoral scoring adjusts the overall risk based on these specificities.
If a scoring system is not updated to integrate NAF 2.3, it risks applying obsolete or incorrect sectoral scoring, leading to over-risk (unjustified refusals) or under-risk (overly lax acceptances).
RocketFin: Already Ready for NAF 2.3
RocketFin has anticipated this reform by already integrating a NAF 2008 → NAF 2.3 correspondence table and adapting its sectoral scoring models to account for new activity segments. Result: no service disruption on January 1st, 2026, and increased accuracy for emerging sectors (tech, green economy, digital health).
Use our simulator to understand how your current NAF code (NAF 2008) will be converted to NAF 2.3 and what impact this will have on your RocketFin sectoral scoring.
Sample codes to test:
The transition to NAF 2.3 represents a technical challenge for all credit scoring systems. Here's how RocketFin ensures a seamless transition:
RocketFin has integrated the correspondence table published by INSEE, automatically mapping each NAF 2008 code to its NAF 2.3 equivalent. This table covers 100% of existing codes, ensuring no company is "lost" during the transition.
Scoring models have been retrained based on NAF 2.3, accounting for new sectoral granularities. Result: increased accuracy for emerging sectors (tech, green economy, digital health) that were previously diluted in overly generic categories.
Don't let the NAF code reform disrupt your risk management. With RocketFin, benefit from up-to-date sectoral scoring from January 1st, 2026, without service interruption.
Credit risk by sector
The NAF code is a starting point — but it tells you nothing about a company's actual solvency. If you finance, lease, or extend credit to businesses, RocketFin scores real risk in 60 seconds, sector by sector.