Simulator · bad debt
How much bad debt could your portfolio generate?
Estimate the expected one-year loss from your customers' sector, how many they are and your average exposure, then see the effect of cutting exposure to fragile customers in time.
- Free
- No sign-up
- Runs in your browser, nothing is stored
Your customers' sector
Indicative annual failure rates
Your portfolio
Your own assumption: limits lowered, deposits or guarantees obtained before the failure.
Expected 12-month loss
≈ 10 customers failing (4.8 % per year)
Risk high- Total exposure
- €6,000,000
- Customers at risk
- ≈ 10
- Loss avoided
- €86,400
- Remaining loss
- €201,600
/ 200
30 %
Benchmarks by sector
- Hospitality & restaurants5.5 %
- Construction4.8 %
- Retail4.1 %
- Transport & logistics3.8 %
- Wholesale & distribution3.1 %
- Other / mixed2.8 %
How the estimate works
expected loss = failing customers × average exposure
loss avoided = expected loss × share of exposure cut (your assumption)
The expected loss assumes nothing is recovered from failing customers, so it is a prudent ceiling. Sector rates are orders of magnitude; your actual portfolio can differ widely depending on the size and strength of your customers.
Indicative simulation computed in your browser. No data is stored.
Frequently asked questions
What is the simulation based on?
Indicative annual failure rates by sector, applied to the number of customers and the average exposure you enter. It sizes the risk; it is not a customer-by-customer forecast.
What is a sector failure rate?
The share of companies in a sector entering insolvency proceedings over twelve months. Hospitality, construction and retail are among the most exposed sectors in France.
How is the expected loss calculated?
Customers × sector failure rate × average exposure, assuming nothing is recovered. It is the amount at stake if nothing is anticipated.
How can this loss be reduced?
By spotting fragile customers early and adapting their terms: lower credit limit, deposit, shorter payment terms, guarantee or credit insurance. The slider lets you measure the effect with your own assumption.
Is my data stored?
No. The simulator runs entirely in your browser: nothing is sent or stored and no sign-up is required.
Learn more
For a specific company
Spot fragile customers before they default
RocketFin scores French companies from 0 to 100 with a recommended credit limit and an explainable PDF report in 60 seconds. Book a 20-minute call to see it on your own portfolio.