Debt collection
Panorama of unpaid invoices France-Switzerland 2026: figures + AI
DSO 44d France, 56d Switzerland, 35% SMEs closed due to unpaid debts: 2026 BtoB overview figures + how voice AI reduces DSO from 9 to 18 days.
Vocalis AI Agent
Debt collection
The problem
Why you lose customers without an AI agent
Every unanswered call, every unfollowed lead, every language barrier — it's a wasted opportunity. Agent Vocalis eliminates them.
📞 Costly manual restarts
A human agent makes 40 to 60 calls per day. The AI does 500, with the same relational quality and the same success rate.
😤 Hard to reach debtors
Numbers that don't answer, overloaded inboxes, odd hours. The AI calls back up to 8 times depending on the optimal slots.
⚖️ Complex legal compliance
Recovery law imposes strict constraints (deadlines, wording, mandatory information). AI automatically respects the legal framework.
📋 Payment promises not followed up
A debtor promises to pay in 10 days. Who restarts D-Day? The AI does this automatically and documents every exchange.
📊 Time-consuming manual reporting
Consolidate recovery results, calculate recovery rate by portfolio — AI generates reports automatically.
🌍 Allophone debtors
Receivables from foreign companies or individuals — the agent follows up in English, Spanish, Arabic, etc.
Features
What the Vocalis agent does for you
An AI trained in your sector, connected to your tools, available in all circumstances.
Automated multi-channel reminders
Outgoing calls, SMS, emails — orchestrated according to the defined strategy and the debtor's profile.
Negotiation and clearance plans
The agent proposes, negotiates and validates installment plans within your delegation limits.
Collection law compliance
Automatic legal notices, compliance with deadlines, complete traceability. Complies with Sapin law, CNIL, European directive.
Traceability and audit trail
Every interaction documented: date, time, content, result, promise of payment. Usable in legal proceedings.
Reporting by portfolio
Recovery rate by tranche, by origin of debt, by debtor profile. Real-time dashboards.
Recovery software integration
Compatible with Qualiac, Sage XRT, Eloficash, Suite Recovery and the main ERPs (SAP, Oracle, Microsoft Dynamics).
FAQs
Your questions about the Vocalis AI agent
What is the average DSO in France in 2026?
44 days according to the AFDCC, with strong sectoral variations: 74 days in construction, 28 days in retail.
How many SMEs close due to unpaid bills?
35% of French SME bankruptcies are directly linked to a series of unpaid debts according to BPCE L'Observatoire.
Why are DSOs deteriorating in 2026?
Combination of high BCE rates (companies voluntarily delay), turnover in accounts payable, electronic invoicing in transition, and cascading failures (+18% according to Coface).
What is the difference between France and Switzerland?
Switzerland: Longer DSO (56 days) but ultimate recovery at 88%. France: DSO 44 days but recovery 76%. Different legal frameworks (French LME vs Swiss LP).
What is the real cost of unpaid debt?
Between 1.20 and a private amount of cost induced per euro of unpaid debt according to Deloitte: reminders, provisions, litigation, tied up cash, NPS degradation.
Can voice AI really reduce DSO?
Yes: 9 to 18 days of reduction documented on +250 VOCALIS AI deployments, via preventive reminder D-0, automatic multi-attempts and empathetic de-escalation.
Is the 2026 legal framework compatible with voice AI?
Yes under conditions: information to the caller (AI Act art. 50), opening hours 8 a.m. to 8 p.m. (CNIL), logging and right of opposition. See our 2026 compliance guide.
Other sectors we serve
The Vocalis agent adapts to the vocabulary and workflows of each profession.
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