--- title: "ALMERA | Credit Sales and Receivables Management Systems" description: "ALMERA builds tailored, interconnected trade receivables management systems, from customer assessment to collection and receivables recovery." url: "https://almerakredirisk.com/en/" language: "en" updated: "2026-10-20 10:34:26" --- ALMERA CREDIT SALES AND RECEIVABLES MANAGEMENT SYSTEMS # A Sale Is Complete Only When the Cash Is In. From customer assessment to credit sales, from limits to collateral, from early warning to collection and problem receivables, we turn the entire trade receivables life cycle into interconnected management systems. [Explore Our Expertise](https://almerakredirisk.com/en/areas-of-expertise/) WHAT DOES ALMERA SOLVE? ## Sales Drive Growth. The Right Risk Management Makes Growth Sustainable. When credit risk, receivables, collection, cash flow and working capital are managed together, commercial growth becomes financial resilience. > “Financial resilience is built not when a crisis begins, but when decisions are being made.” THE ALMERA VIEW 1. 01 Commercial Growth 1. 02 Credit Sales 1. 03 Receivables 1. 04 Collection 1. 05 Cash Flow 1. 06 Working Capital 01 — 09 SYSTEM MAP ## Nine Areas of Expertise. One Trade Receivables Management System. ALMERA does not offer nine separate services; it builds the trade receivables life cycle as a single management system in which each link feeds the next. ALMERA 01 Know the Customer Knowing your future business partner well is the starting point for sustainable trade. [EXPLORE](https://almerakredirisk.com/en/areas-of-expertise/customer-assessment/) [01](https://almerakredirisk.com/en/areas-of-expertise/customer-assessment/) [02](https://almerakredirisk.com/en/areas-of-expertise/receivables-working-capital/) [03](https://almerakredirisk.com/en/areas-of-expertise/collection-management/) [04](https://almerakredirisk.com/en/areas-of-expertise/risk-profitability-credit-sales/) [05](https://almerakredirisk.com/en/areas-of-expertise/customer-credit-limits/) [06](https://almerakredirisk.com/en/areas-of-expertise/credit-risk-early-warning/) [07](https://almerakredirisk.com/en/areas-of-expertise/collateral-management/) [08](https://almerakredirisk.com/en/areas-of-expertise/problem-receivables-restructuring/) [09](https://almerakredirisk.com/en/areas-of-expertise/receivables-recovery-wind-down/) [Know the Customer Customer Profiling and Assessment](https://almerakredirisk.com/en/areas-of-expertise/customer-assessment/) [Manage the Capital Receivables and Working Capital](https://almerakredirisk.com/en/areas-of-expertise/receivables-working-capital/) [Systematise Collection Collection Management Systems](https://almerakredirisk.com/en/areas-of-expertise/collection-management/) [Manage Risk and Profitability Risk and Profitability in Credit Sales](https://almerakredirisk.com/en/areas-of-expertise/risk-profitability-credit-sales/) [Set the Limit Customer Credit Limits](https://almerakredirisk.com/en/areas-of-expertise/customer-credit-limits/) [Monitor the Risk Early Warning Systems](https://almerakredirisk.com/en/areas-of-expertise/credit-risk-early-warning/) [Strengthen with Collateral Collateral Management](https://almerakredirisk.com/en/areas-of-expertise/collateral-management/) [Restructure Problem Receivables Restructuring and Controlled Exit](https://almerakredirisk.com/en/areas-of-expertise/problem-receivables-restructuring/) [Recover and Learn Receivables Recovery](https://almerakredirisk.com/en/areas-of-expertise/receivables-recovery-wind-down/) 1. [01 Know the Customer Customer Profiling and Assessment](https://almerakredirisk.com/en/areas-of-expertise/customer-assessment/) 1. [02 Manage the Capital Receivables and Working Capital](https://almerakredirisk.com/en/areas-of-expertise/receivables-working-capital/) 1. [03 Systematise Collection Collection Management Systems](https://almerakredirisk.com/en/areas-of-expertise/collection-management/) 1. [04 Manage Risk and Profitability Risk and Profitability in Credit Sales](https://almerakredirisk.com/en/areas-of-expertise/risk-profitability-credit-sales/) 1. [05 Set the Limit Customer Credit Limits](https://almerakredirisk.com/en/areas-of-expertise/customer-credit-limits/) 1. [06 Monitor the Risk Early Warning Systems](https://almerakredirisk.com/en/areas-of-expertise/credit-risk-early-warning/) 1. [07 Strengthen with Collateral Collateral Management](https://almerakredirisk.com/en/areas-of-expertise/collateral-management/) 1. [08 Restructure Problem Receivables Restructuring and Controlled Exit](https://almerakredirisk.com/en/areas-of-expertise/problem-receivables-restructuring/) 1. [09 Recover and Learn Receivables Recovery](https://almerakredirisk.com/en/areas-of-expertise/receivables-recovery-wind-down/) 1. Lessons learned feed back to the start of the cycle: customer assessment. [Explore All Areas of Expertise](https://almerakredirisk.com/en/areas-of-expertise/) WHY ALMERA? ## Every Company’s Risk Is Different. So Should Its System Be. ALMERA does not apply off-the-shelf, standard models to every company in the same way. It designs the system by assessing the company’s own structure together with you: - Company Structure - Customer Portfolio - Business Model - Capital - Risk Capacity - Tailored Original systems suited to each company’s dynamics. - Independent Objective, impartial and data-driven assessment. - Confidential Sensitive information is protected in line with confidentiality and data security principles. HOW DO WE WORK? ## We Don’t Just Diagnose. We Build the System With You. [Explore Our Approach](https://almerakredirisk.com/en/our-approach/) 1. 01 ### Diagnose We analyse the current situation holistically. 1. 02 ### Design We design a system tailored to your organisation. 1. 03 ### Build We establish the processes and management mechanisms. WE BUILD THE SYSTEM 1. 04 ### Make It Measurable We build structures that can be tracked with clear indicators. 1. 05 ### Digitalise Where It Fits We strengthen the system with data and technology. DATA AND TECHNOLOGY 1. 06 ### Turn It into a Management System We turn it into a sustainable, continuously improving structure. LASTING MANAGEMENT THE CHANGE WE CREATE ## From Commercial Growth to Financial Resilience The goal is not simply more sales, but sustainable commercial growth: sales to the right customers, at the right level of risk, that create real economic value and convert into cash on time. - Sustainable Commercial Growth Selling to the right customer at the right level of risk. - Controlled Risk Management Credit sales that create real economic value. - Healthy Cash Flow Receivables that turn into cash on time.