This document discusses issues facing small and medium enterprises (SMEs) such as high rates of bankruptcy and cash flow problems. It notes that 40% of Belgian SMEs are refused partial or full credit, and 1 in 4 bankruptcies are directly related to cash flow problems. The document introduces Edebex as a potential solution, which is a marketplace for SMEs to buy and sell commercial receivables. Edebex allows SMEs to sell invoices without collateral and choose which invoices to sell without a credit analysis. It aims to help decrease bankruptcy rates and help companies survive cash flow issues.

1. Fintech Summit 2017
14-12-2017

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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

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

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

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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

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What is Edebex ?
Edebex is a marketplace
to buy and sell
commercial receivables
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Disruptive Concept
No need of seller’s collateral
Seller can choose which invoices to sell
No credit analysis on the seller !
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Societal impact - HR

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

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

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

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Thank you for your attention
Confidential