Debt Collection Outsourcing
Ethical, effective debt collection solutions tailored to your business challenges.
We intervene at every stage of the collection cycle to protect your revenue, preserve your brand image and re-engage your customers in full compliance with regulatory standards. Armatis is a licensed debt collection agency, operating in France and Belgium, with an approach built on rigour, ethics and customer relationship.
Your business challenges, our priorities
Unpaid invoices directly impact your cash flow, your operational performance and your brand image. Poorly managed collections can make things worse: a definitively lost receivable, a damaged customer relationship, regulatory exposure. We turn debt collection into a lever for security and loyalty, grounded in rigour and respect for the individual.
Reduce the risk of non payment and secure your revenue
A poorly managed portfolio of unpaid invoices deteriorates quickly: the longer the delay, the lower the likelihood of recovery. Armatis intervenes quickly and in a structured way, using every legal means available, to maximise the collection rate and protect your revenue.
Reduce your collection costs
Managing debt collection in house represents a high fixed cost in human resources, tools and ongoing training. Outsourcing to a specialised provider turns these fixed costs into performance driven costs, with no compromise on quality or compliance.
Guarantee regulatory compliance at every stage
Debt collection is an activity governed by strict legal obligations. Armatis holds IOBSP accreditation for payment management, PCI DSS certification for data security and ISO 27001 certification for information protection. Every process is designed to guarantee the compliance of your procedures and the security of your debtors’ data.
Turn collections into a loyalty driver
A customer with an unpaid invoice is not necessarily a lost customer. An amicable, empathetic and solution oriented collection approach can re-engage the customer, find a settlement agreement suited to their situation and preserve the commercial relationship over the long term.
Protect your brand image
The way a company treats its debtor customers says something about its values. An intrusive or non compliant approach can generate complaints, grievances and lasting damage to your reputation. Armatis operates with an ethical and transparent stance, on your behalf, to protect the image you have built.
Why entrust your debt collection to Armatis?
An approach that combines operational rigour, predictive technology and a human stance to maximise the collection rate while preserving the customer relationship.
A licensed agency in France and Belgium
Armatis is a licensed debt collection agency, legally operating in France and Belgium. Our IOBSP, PCI DSS and ISO 27001 certifications guarantee that every collection procedure complies with the most demanding regulatory standards, whatever our client’s sector.
Strategic targeting and predictive profiling
We do not treat every unpaid invoice the same way. Our approach relies on refined strategic targeting and intelligent predictive profiling to anticipate behaviours, personalise every collection journey and focus efforts where they have the most impact.
Multi channel contactability analytics
Reaching a debtor customer at the right time, on the right channel, with the right message: that is what makes the difference between a successful collection and an unpaid invoice that drags on. Armatis uses multi channel contactability analytics to optimise every contact attempt.
Voice analysis and continuous script optimisation
Our teams rely on voice analysis of interactions to identify what works, detect weak signals and continuously refine collection scripts. This test and learn approach guarantees a lasting improvement in performance.
Continuous training and emotional management
Debt collection is one of the most demanding activities from a human standpoint. Our advisors are trained continuously in active listening, mediation, emotional management and regulatory compliance, to handle complex situations fairly and with no undue pressure.
Responsible, effective and human collections
Responsible and transparent collections
We build a relationship of trust with the debtor customer, favouring dialogue and the search for solutions suited to their situation. A transparent and respectful approach encourages a fast and lasting settlement, with no damage to the commercial relationship.
Teams trained in mediation and compliance
Our agents are trained in active listening, emotional management and the ethics of customer relations. They know how to distinguish situations of bad faith from genuine financial hardship, and adapt their stance accordingly.
Steering and continuous improvement
eal time dashboards, interaction monitoring and targeted action plans: you have full visibility on the performance of your outsourced collection operations, at any time and with no delay.
Predictive technology for anticipation
Our behavioural analysis tools help detect weak signals before a situation worsens, act upstream and streamline the collection journey. The goal is to anticipate, not to react.
They trusted us
Ethics, expertise, efficiency
Responsible collections
An approach grounded in respect for the individual and transparent exchanges, for a lasting settlement that preserves the customer relationship.
Expert and compliant teams
Advisors trained in mediation, regulatory compliance and emotional management, to handle every situation fairly.
Real time steering
Decision making dashboards accessible at any time to track the performance of your collection operations with no delay.
Continuous improvement
Continuous monitoring of interactions and voice analysis of exchanges to refine scripts and durably improve collection rates.
Your questions on debt collection outsourcing
What is outsourced amicable debt collection?
Outsourced amicable debt collection means entrusting the management of unpaid receivables to a specialised collection agency, with no legal proceedings. The provider contacts debtors on behalf of the creditor to reach an amicable settlement agreement, suited to each individual’s situation. This approach is faster, less costly and less damaging to the customer relationship than litigation.
What is the difference between amicable and judicial debt collection?
Le recouvrement amiable intervient en amont, sans procédure judiciaire : il s’appuie sur le contact direct, la négociation et les accords de règlement. Le recouvrement judiciaire intervient lorsque les tentatives amiables ont échoué, via des procédures légales (injonction de payer, saisie). Armatis intervient principalement sur la phase amiable, pour maximiser les chances de règlement avant d’en arriver aux voies judiciaires.
Is Armatis licensed to carry out debt collection?
Yes. Armatis is a licensed debt collection agency, legally operating in France and Belgium. Our certifications include IOBSP accreditation for payment management, PCI DSS certification for payment data security and ISO 27001 certification for information protection.
How does Armatis preserve the customer relationship during collection?
Our approach relies on listening, transparency and the search for solutions suited to each debtor’s situation. Our advisors are trained in mediation and emotional management to maintain a respectful stance in all circumstances. The goal is to re-engage the customer in a settlement dynamic, not to antagonise them.
In which sectors does Armatis operate for debt collection?
What if collections became a customer relationship opportunity?
Our expert teams, technological tools and human centred approach help you secure your revenue while strengthening the customer relationship.
