Tools and ressources for banks
You need to assess a company’s financial soundness before granting funding or evaluate your clients’ solvency to help prevent over-indebtedness or track developments in banking networks.
Several databases compiling this information exist. They are managed by the Banque de France or IEOM and include data from the eurozone’s overseas departments and territories (DCOM).
IEOM also provides valuable insights into banking activity in these regions
The EDEN Business Data Platform
The EDEN database is a resource for financial sector stakeholders, such as credit institutions, finance companies and credit insurers, to support their interactions with businesses.
Originally created in the early 1990s to implement monetary policy, it is also used for credit risk analysis. It facilitates the evaluation of the quality of credit portfolios and the identification of high-risk loans.
EDEN provides its members with a benchmarking tool for analysing non-financial companies, including the IEOM credit rating, as well as exclusive information such as outstanding business loans and payment incidents.
Access to EDEN is strictly reserved for members.
To log in EDEN
Also see the Instruction Note to credit institutions regarding IEOM ratings
Banking Incident Files (FCC, FICP and FNCI)
The Banque de France manages three databases of payment incidents, which are fed by banking and financial institutions.
- The Central Cheque Register (FCC),
- The National Register of Household Credit Repayment Incidents (FICP);
- The National Register of Irregular Cheques (FNCI).
The FCC and FICP help institutions to assess customer solvency and to prevent over-indebtedness and combat cheque fraud.
The FNCI enables recipients to verify the validity of cheques received as payment
You can find detailed information about how these files are maintained and accessed on the Banque de France’s website..
The Bank Branch Directory (FIB)
The FIB lists all banking institutions and payment service providers authorised by the Prudential Supervision and Resolution Authority (ACPR), as well as all registered branches in France and Monaco. The Banque de France oversees this directory and publishes local branch data files (FGD) for its subscribers.
The FIB helps to track the evolution and geographic distribution of banking networks. It enables banks and major payment operators to verify some banking details and determine which branch is managing an account, ensuring proper routing of payment transactions.
The FIB database lists locations in the French Pacific territories of New Caledonia, Wallis and Futuna, and French Polynesia.
The FGD-SEPACOM Pacific is among the domiciliation data files (FGD) extracted daily and lists financial institutions and their branches located in the French Pacific territories.
Access the FIB site de la Banque de France.
Financial information produced by IEOM
In the Publications and Statistics section, you will find financial data compiled by IEOM.
IEOM collects and disseminates a range of information on the banking and monetary situation in its jurisdiction in the form of studies and statistical series. It regularly publishes financial updates and conducts thematic analyses.
