Compliance by Xavier Corman - CEO Edebex

1. Fintech Summit 2017
14-12-2017

2. 22
40 % of the Belgian SME get a partial or
full credit refusal from their bank
1 in 4 bankrupties is directly related
with cash-flow problems
Macro economic situation
Confidential Source : La Tribune & L’Echo

3. 33Confidential
• 200 000 bankruptcies in EU every year
• Destroying 1,7 M jobs
Value Destruction

4. 4Confidential
How to decrease this bankruptcy’s rate ?
How to help companies to survive a cash-
flow problem ?
Societal impact

5. 5
Problem & Solution
SME that wants to
improve
their cash flow
SME with cash
to invest
57 % of European company have
cash-flow problems*
* European Payment Index 2013
Commercial receivablesSELLER BUYER
Confidential

6. 6
What is Edebex ?
Edebex is a marketplace
to buy and sell
commercial receivables
Confidential

7. 7
Disruptive Concept
No need of seller’s collateral
Seller can choose which invoices to sell
No credit analysis on the seller !
Confidential

8. 8Confidential
Societal impact - HR

9. 9Confidential
Societal impact - HR
• 30 EFT
• Average age : 26 years old
• 8 + nationalities
• 5 countries served

10. 10Confidential
Societal impact – HR & trainings
• Financial knowledge
• Compliance (AML,…)
• Sales skills
• Customer orientation
• Security, confidentiality

11. 11Confidential
Societal impact – HR Challenges
• Autonomy
• Thinking out of the box
• Productivity increase (3-5 % per month)
• Within the defined processes

12. 12
Thank you for your attention
Confidential