Vigileo · by Nicolas Costes Consulting

The facilitator of your
credit management.

Vigileo takes on the repetitive side of your receivables: reminders in each customer's own language, statements of account, replies tracked, disputes routed to the right person and indicators kept current. You get your time back for the cases and the customers that deserve it — and if you hold this role on your own, NCC holds it with you.

Nicolas Costes, founder of Nicolas Costes Consulting
Nicolas Costes Credit & Cash Manager · 15 years in corporate finance

The principle

It prepares, you decide

A facilitator replaces no one: it takes away the repetitive work and puts the decision within reach — documented, at the right moment, in front of the right person.

01

Before the sale

Vigileo queries public sources, calculates a rating from A to E, proposes a credit limit and payment terms, and explains why. Management approves, amends or refuses, and the decision is recorded. Any figure it cannot find is left blank: Vigileo never invents a number.

02

Day to day

Seven reminder stages, from D-15 to D+30, sent from your own address in the customer's language. They reply in two clicks: promise, payment, dispute. Vigileo updates the statuses and suspends whatever needs suspending. You step in only when a case falls outside the pattern.

03

When things stall

A dispute goes to the team concerned with a two-day resolution deadline. A payment plan is drafted, approved by management, accepted online by the customer, then tracked instalment by instalment. The judgement stays human; the follow-up weighs on no one.

Vigileo and NCC

The tool alone, or the tool with the expert

If you have a credit manager, Vigileo gives them their days back. If you don't, Nicolas Costes Consulting holds the role a few days a month using the same tool: daily priorities, disputes, payment plans, reporting to your management. You stay in control and take the reins back whenever you choose.

15 years

of credit management in corporate finance — the experience that shaped the tool is the one that supports you

2 to 4 days

a month: NCC runs your receivables with Vigileo and reports to your management

1 week

to go live, including three days in pilot mode — not one email reaches your customers before you say so

The thirteen-page client guide to Vigileo, sets out every function in detail: credit assessment, reminder calendar, statement of account, dispute process, payment plans, dashboard, security and GDPR.

Our principles

The limits we have set ourselves

Never in your place

Credit limit, payment plan, sensitive dispute, referral to litigation: these decisions stay human and recorded. Vigileo prepares them, documents them and puts them to you — it does not take them.

Never in the dark

If your invoices have not been refreshed, Vigileo suspends the reminders rather than chase a customer who has already paid. A banner warns you, and nothing goes out until the data is current.

Never without your say-so

Your wording, your rhythm and your contacts are approved during the test phase. While pilot mode is on, everything lands in your control inbox and no email reaches your customers.

Your data stays in France

Private server at OVH in Gravelines, a separate space per company, rights by profile, two-factor authentication, signed customer links and encrypted backups every night.

Your receivables, reviewed in ten minutes

Send us your general ledger: you get back your aged balance, your DSO, your BPDSO, your unapplied credit notes and your unallocated payments. It is free and commitment-free — and it is the surest way to see whether the tool alone is enough, or whether the support would save you time.

contact@ncostesconsulting.fr +33 7 68 58 44 71

16 rue de la Gimone, 31240 L'Union, France