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Free tool · French B2B late penalties

Late payment penalty calculator

Estimate late-payment interest and the flat recovery indemnity for a French B2B invoice from the amount due, dates, and debtor type.

Penalties are due from the day after the due date, without a prior formal notice (art. L441-10).

Invoice details

Default: today

Optional. If empty, the statutory default for the due-date semester applies (ECB rate + 10 points, art. L441-10).

Debtor type

Result

Days late
198
Annual rate applied
12.29%

BCE 2.15% + 10 pts · floor 7.86% · Statutory default for the semester (ECB rate on 1 Jan or 1 Jul + 10 points, F23211).

Breakdown by semester
  • 2026-H1: 90 d. × 12.15% = €29.96
  • 2026-H2: 108 d. × 12.40% = €36.69

1000.00 × (taux / 100) × (jours / 365) par semestre

Late-payment interest
66.65 €
Flat recovery indemnity
40.00 €
Total penalties (excluding principal)
106.65 €

Chase email text (copy and paste)

Hello,

The invoice due on 2026-04-01 was not paid by 2026-10-16 (198 calendar day(s) late).
Under French Commercial Code article L441-10, late-payment penalties are due from the day after the due date, without a prior reminder.

Invoice amount (incl. tax): €1000.00
Interest 2026-H1 (90 d., 12.15%): €29.96
Interest 2026-H2 (108 d., 12.40%): €36.69
Total late-payment interest: €66.65
Flat recovery indemnity (professional debtor, art. D441-5): €40.00

Estimated penalties total: €106.65 (excluding principal). Please settle the principal and penalties, or confirm a payment date.

Best regards

Official sources

Information only, not legal advice. Rates change: check official sources before sending a chase email or formal notice.

Go further

The Freelancer Overdue Invoice Kit includes emails, formal letter, checklist and tracker so you can chase invoices without winging it.

See the kit