Entrepreneurs, IEOM is by your side

IEOM can support your business in the Pacific territories with its management and development. The institute provides an assessment of companies’ financial health through its business rating system.
It also offers valuable insights into the local economy and evolving market conditions. In addition, IEOM provides direct support to help businesses meet their day-to-day challenges – particularly through its credit mediation service.

Click on one of the sections below to find information relevant to your situation.

Company rating

The purpose of the rating system is to assess credit risk – that is, a company’s ability to repay its debts – beyond simply evaluating financial health.

Rediscounting

Your company’s rating may give you access to preferential financing through IEOM’s rediscounting system.

Solutions for financial difficulties

Access support systems such as credit mediation, the right to a professional bank account, or consultation of the Central Cheque Register (FCC).

Tools at your disposal

Insights into the local economy and market trends, sector-specific analyses, and benchmark ratios for businesses. Educational resources are also available via the ‘Mes Questions d’Entrepreneur’ portal.

Our answers to your questions

IEOM provides business owners with two ways to access their company’s rating:

Yo can consult it :

By post : send a written request to your local IEOM office
In person : by visiting your local IEOM office.

This information is free of charge for all legal representatives and is part of our EDEN database.

For more details, visit our Company rating section

Need to uderstand your rating ?

Want to better understand your rating? IEOM’s financial analysts are available for personalised discussions by appointment only. They will talk you through the key factors behind your company’s rating.

To arrange a meeting, please contact the IEM office in your territory.

Learn more about our evaluation methods in the Company rating section

Your IEOM rating is important for two reasons

For your business :

It provides a neutral, recognised assessment of your financial strength.
It is a valuable tool for discussions with banks.
It is a reliable indicator of your ability to meet financial commitments.

For the banking system :

It is used to assess risk when granting credit and to evaluate the quality of banks’ loan portfolios. - Banks use it as a tool for selecting guarantees for their liquidity management operations with IEOM. .
It helps them calculate their regulatory capital requirements

Learn more about the benefits in our Company rating section

The rating is confidential information. Access is strictly regulated by the French Monetary and Financial Code.

As a company director, you automatically have free access to your company’s rating.
Financial institutions that are members of the EDEN database may also access it, but only for professional use and without permission to share it externally.

For more information, visit our Company rating section.

If you are experiencing difficulties with your financial institutions (banks, leasing companies, factoring companies, credit insurers), credit mediation can help.

To benefit from this service, submit your case on the Credit Mediator. platform.

See the detailed procedure in our section Solutions in case of difficulties