ALMERACREDIT 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.

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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. 01Commercial Growth
  2. 02Credit Sales
  3. 03Receivables
  4. 04Collection
  5. 05Cash Flow
  6. 06Working 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
01 02 03 04 05 06 07 08 09 Know the CustomerCustomer Profiling and AssessmentManage the CapitalReceivables and Working CapitalSystematise CollectionCollection Management SystemsManage Risk and ProfitabilityRisk and Profitability in Credit SalesSet the LimitCustomer Credit LimitsMonitor the RiskEarly Warning SystemsStrengthen with CollateralCollateral ManagementRestructure Problem ReceivablesRestructuring and Controlled ExitRecover and LearnReceivables Recovery
  1. 01Know the CustomerCustomer Profiling and Assessment
  2. 02Manage the CapitalReceivables and Working Capital
  3. 03Systematise CollectionCollection Management Systems
  4. 04Manage Risk and ProfitabilityRisk and Profitability in Credit Sales
  5. 05Set the LimitCustomer Credit Limits
  6. 06Monitor the RiskEarly Warning Systems
  7. 07Strengthen with CollateralCollateral Management
  8. 08Restructure Problem ReceivablesRestructuring and Controlled Exit
  9. 09Recover and LearnReceivables Recovery
  10. Lessons learned feed back to the start of the cycle: customer assessment.
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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
  • TailoredOriginal systems suited to each company’s dynamics.
  • IndependentObjective, impartial and data-driven assessment.
  • ConfidentialSensitive 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
  1. 01

    Diagnose

    We analyse the current situation holistically.

  2. 02

    Design

    We design a system tailored to your organisation.

  3. 03

    Build

    We establish the processes and management mechanisms.

    WE BUILD THE SYSTEM
  4. 04

    Make It Measurable

    We build structures that can be tracked with clear indicators.

  5. 05

    Digitalise Where It Fits

    We strengthen the system with data and technology.

    DATA AND TECHNOLOGY
  6. 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 GrowthSelling to the right customer at the right level of risk.
  • Controlled Risk ManagementCredit sales that create real economic value.
  • Healthy Cash FlowReceivables that turn into cash on time.