Valuation and sales process
Our experience and expertise provide an objective and professional valuation of receivables. The valuation process and purchase of receivables is performed by experienced and professional experts
- Receipt of an enquiry together with the debt data, including information on balance levels, dates of liability occurrences, payment history, region of residence and previously conducted debt collection proceedings. These data are most frequently forwarded to us in the form of a text file or MS Excel, sent on a CD/DVD or by e-mail with the use of the PGP encryption software.
- The data are processed into an appropriate format and imported into the econometric model.
- At this stage, the expected recovery levels on the whole portfolio are calculated.
- On the basis of data from the budget system, we forecast the service costs of individual orders in a 5-year perspective. The service cost for a given order at the level of each executive department is different.
- With the data concerning expected profits and costs at our disposal, we calculate the expected flows and IRR.
- In the case of bank liabilities, we perform a quality audit of the documentation evidencing the existence of the debt.
- An investment committee meets and – on the basis of the information held – takes the final purchase decision and defines the price offered.
- An offer is made. Depending on the Client's procedures it is a competitive bid, auction or electronic auction.
Valuation process
Duration of the process
