Total Aged Debtors
€8.4M
▲ 12% vs prev month
High-risk exposure
€1.2M
▲ 8% this month
Overdue invoices
43
▲ 6 new this week
Avg days outstanding
38d
▼ 3d vs last quarter
Aged Debtors by Risk Band (TSEKBI Index) View all companies →
High risk
Score < 40
€1.2M
Medium risk
Score 40–69
€2.4M
Low risk
Score 70+
€4.8M
Top sector exposures
Construction€2.1M
Retail€1.8M
Manufacturing€1.4M
Tech & SaaS€1.2M
Logistics€0.9M
Invoice aging
Current
1–30d
31–60d
61–90d
90d+
Credit Score Trends (Post MVP)
Bowman Contracts
32 ▼
TradeMark Ltd
54 ▼
NovaTech Systems
78 ▲
Apex Distribution
66 →
Credit Applications (New and Current Clients) View all →
Kronos Shipping Ltd
New
Step 4/9
Aegean Foods SA
Update
Step 7/9
Monitoring Alerts View all →
By Alert Type
CCJ / Insolvency1
Invoice Overdue 60d+2
Credit Limit Breach2
Limit Utilisation ≥90%2
Payment Anomaly2
Credit Score Drop4
By Company
Bowman Contracts5
TradeMark Distribution4
Meridian Build Group2
Apex Distribution1
All others1
Alert Trend (6 months)
Critical
3
High
4
Medium
6
Resolved
14
OctNovDecJanFebMar
124 companies · 892 invoices
BC
Bowman Contracts
Construction
Credit score
PD Rating: 8 — High
€320K
Aged Debtors
94d
Avg days late
⚠ CCJ filed 17 Mar 2026
TM
TradeMark Distrib.
Retail & Wholesale
Credit score
PD Rating: 6 — Medium
€480K
Aged Debtors
42d
Avg days late
Limit utilisation: 94%
NT
NovaTech Systems
Technology
Credit score
PD Rating: 2 — Low
€190K
Aged Debtors
8d
Avg days late
▲ Score up 5pts · Consistent payer
AD
Apex Distribution
Logistics
Credit score
PD Rating: 4 — Med-Low
€210K
Aged Debtors
21d
Avg days late
Stable history · Net 30 terms
| Company | TSEKBI Status | Recovery Risk | Total Inv. Value | No. Invoices | Overdue Value | Overdue Inv. | Max O/D Days | Credit Limit | Rem. Credit | Credit Term | Last Credit Review | Insurance Credit Limit | Avg Days BT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Bowman Contracts Ltd Construction | Red | High | €320,600 | 4 | €146,600 | 2 | 96d | €250,000 | −€70,600 | Net 30 | 12 Dec 2026 | — | +84d |
TradeMark Distribution Retail & Wholesale | Amber | Medium | €480,000 | 6 | €145,000 | 1 | 17d | €500,000 | €20,000 | Net 60 | 02 Jan 2026 | €300,000 | +42d |
Apex Distribution Co Logistics | Amber | Medium | €210,300 | 3 | €91,300 | 1 | 1d | €300,000 | €89,700 | Net 30 | 18 Nov 2024 | €150,000 | +21d |
NovaTech Systems Technology | Green | Low | €190,750 | 3 | €0 | 0 | — | €400,000 | €209,250 | Net 45 | 05 Mar 2026 | €400,000 | +8d |
Meridian Build Group Construction | Red | High | €574,000 | 7 | €214,000 | 3 | 61d | €450,000 | −€124,000 | Net 30 | 01 Aug 2024 | — | +55d |
Pinnacle Retail Group Retail | Amber | Medium | €138,400 | 5 | €44,200 | 2 | 34d | €200,000 | €61,600 | Net 45 | 22 Oct 2024 | €100,000 | +29d |
Solaris Energy Ltd Energy | Green | Low | €95,200 | 2 | €0 | 0 | — | €150,000 | €54,800 | Net 60 | 10 Feb 2026 | €150,000 | +4d |
Fortis Manufacturing Manufacturing | Amber | Medium | €312,500 | 5 | €78,500 | 2 | 28d | €350,000 | €37,500 | Net 90 | 15 Jan 2026 | €200,000 | +18d |
Company Name
ΑΦΜ Registration
BC
Bowman Contracts Ltd
High Recovery Risk
Total Aged Debtors
€320,600
▲ 18% vs prev month
Overdue Amount
€146,600
2 invoices overdue
Max Days Overdue
96d
INV-0491
Avg Days Beyond Term
+84d
▲ from +31d last qtr
Credit Position
TSEKBI Index
Red
High risk
Credit Limit
€250K
Approved limit
Credit Utilisation
128%
Limit exceeded by €70,600
Remaining Credit
−€70,600
Breached — orders on hold
Credit Term
Net 30
Payment due 30 days
Insurance Credit Limit
—
No cover in place
Last Credit Review
12 Dec 2026
98 days ago
Recommended Actions
!
CCJ registered — immediate action required
County Court Judgement of €42,000 filed 17 Mar 2026
17 Mar 2026
Tiresias flagged a CCJ against Bowman Contracts Ltd. Credit score now 32/100 — down 18pts in 30 days. All outstanding orders should be placed on hold and the account escalated to collections immediately.
!
INV-0491 is 96 days overdue — €84,200
Three chasing emails sent · No response received
17 Mar 2026
This invoice has exceeded the 90-day threshold. No payment plan is in place. Recommend formal letter before action and bad debt provision.
~
Credit limit breached — new orders blocked
Balance €320,600 exceeds €250,000 limit by €70,600
16 Mar 2026
Outstanding AR exceeds the approved credit limit. No new orders should be fulfilled until the balance is reduced below the limit or the limit is formally reviewed and increased.
~
Credit review overdue — last reviewed Dec 2026
98 days since last review · Risk profile has significantly deteriorated
15 Mar 2026
Given the CCJ filing, credit score decline and limit breach, an urgent credit review is required. Current terms and limits should be reassessed before any further exposure is taken on.
Payment Behaviour
Average days to pay
Rolling 6-month trend
+84d
▲ worsening
OctNovDecJanFebMar
+31d+38d+45d+58d+72d+84d
Credit Score History (Post MVP)
32/100
▼ Down 18pts in 30 days
Oct
72
Nov
68
Dec
58
Jan
47
Feb
38
Mar
32
Invoices
| Invoice | Amount | Issued | Due Date | Days O/D | Status | Amount Paid | Balance Due |
|---|---|---|---|---|---|---|---|
| INV-0491 | €84,200 | 12 Nov 2024 | 12 Dec 2024 | +96d | Overdue | €0 | €84,200 |
| INV-0512 | €62,400 | 05 Dec 2024 | 05 Jan 2026 | +72d | Overdue | €0 | €62,400 |
| INV-0478 | €91,000 | 18 Oct 2024 | 18 Nov 2024 | +119d | Overdue | €91,000 | €0 |
| INV-0463 | €83,000 | 01 Sep 2024 | 01 Oct 2024 | +167d | Paid late | €83,000 | €0 |
Monitoring Alerts
Critical Alerts
3
▲ 1 new today
High Priority
4
unchanged
Medium Alerts
6
▼ 2 resolved
Avg Resolution
2.4d
▼ 0.3d faster
Companies Monitored
124
all active
Live Alert Feed
Daily feed
!
Critical
CCJ Registered — Bowman Contracts Ltd
County Court Judgement €42,000 filed · Credit score now 32/100 · Total exposure €320,000
17 Mar 2026
Tiresias flagged a CCJ of €42,000 against Bowman Contracts Ltd on 17 Mar 2026. Credit score now 32/100, down 18pts in 30 days. Recommend immediate credit hold and escalation to collections.
!
Critical
Invoice 90+ days overdue — INV-0491
€84,200 · Bowman Contracts · 96 days past due date · No response to 3 chasers
17 Mar 2026
Three chasing emails sent with no response. Recommend formal letter before action. No payment plan in place.
!
High
Credit limit breached — Meridian Build Group
Balance €574,000 exceeds €450,000 limit by €124,000
17 Mar 2026
Outstanding balance exceeds the approved credit limit. No new orders should be fulfilled until the balance is reduced below the limit or formally reviewed.
~
High
Credit limit 94% utilised — TradeMark Distribution
Aged Debtors at 94% of €500K limit · New invoice INV-0541 pending
16 Mar 2026
Balance of €480K is approaching the €500K credit limit. A new invoice of €220K is scheduled next week. Recommend limit review before raising.
~
Medium
Payment pattern anomaly — TradeMark Distribution
Avg payment time 22d → 42d over past 90 days
15 Mar 2026
Automated analysis flagged a significant shift in payment behaviour. Average time to pay has nearly doubled — a strong early warning indicator of financial stress.
Alert Trigger Rules
Credit Score <40 (Post MVP)
Tiresias · daily
CCJ or insolvency filed
Tiresias · daily
Invoice 60+ days overdue
Aged debtors · daily
Limit utilisation ≥ 90%
Daily balance check
Credit score drops 10+ pts
Tiresias · weekly
Payment pattern anomaly
Automated analysis · daily
Alert Actions In Progress
| Date of Alert | Priority | Status | Action Taken | Owner | Next Update | Comments |
|---|---|---|---|---|---|---|
| 17 Mar 2026 | Critical | In Progress | Credit hold applied — Bowman CCJ | J. Smith | 24 Mar 2026 | Collections team notified. Awaiting response from legal. €320K total exposure. |
| 17 Mar 2026 | Critical | Pending | Letter before action drafted — INV-0491 | J. Smith | 20 Mar 2026 | No payment plan in place. 96 days overdue. LBA to be issued pending legal review. |
| 17 Mar 2026 | High | In Progress | Orders held — Meridian credit limit breach | A. Patel | 21 Mar 2026 | Balance €124K over limit. Awaiting payment on account before releasing new orders. |
| 16 Mar 2026 | High | Awaiting Review | Credit limit review requested — TradeMark | A. Patel | 22 Mar 2026 | At 94% utilisation. New invoice €220K pending. Finance approval required before limit increase. |
| 15 Mar 2026 | Medium | Monitoring | Payment terms review scheduled — TradeMark | S. Nguyen | 25 Mar 2026 | Avg days to pay doubled from 22d to 42d. Account review meeting booked for 25 Mar. |
| 15 Mar 2026 | Medium | Done | Automatic notification of overdue invoice | System | — | Automated overdue notification sent to customer. No further action required at this stage. |
Credit Application Overview
Total Applications
46
30 current clients
Not Started
4
pending review
In Progress
2
active now
Awaiting Approval
1
pending sign-off
Approved
8
▲ 2 this month
Declined
1
policy rules
Avg Days
3.2d
▼ 0.4d faster
Total This Month
16
▲ 3 vs last month
New Credit Application
Company Name
ΑΦΜ Number
Requested Limit
Credit Term
Sector
Application Type
Insurance Required? (Post MVP)
Applications In Progress
Kronos Shipping Ltd
NewStep 4 of 9
ΑΦΜ 554321987 · €200,000 requested · Credit data requested
Aegean Foods SA
UpdateStep 7 of 9
ΑΦΜ 778901234 · €75,000 requested · Awaiting final approval
Attica Logistics Co
NewDeclined — Step 5
ΑΦΘ 334455678 · €350,000 requested · Policy rules not met
Credit Application Workflow Tiresias integrated
New Credit Application
Capture customer core details
Validate Customer Details
Customer details validated by Tiresias
Check Existing Customer Record
Customer exists in system · Record updated with new application details
Policy Rules Check
Validate against policy rules data
Request Credit Data — Tiresias
Automated Tiresias API call · Credit score, payment history, financial data returned
Credit Limit Calculation
Tiresias score + policy rules Tiresias score + policy rules → recommended limit · Insurance requirement assessedrarr; recommended limit
Credit Insurance (if required)
Apply for credit insurance cover · Await insurer approval · Update limit accordingly
Approval (if required)
Credit limit approved by authorised signatory
Update Back Office
Credit limit written to customer record · Terms set · Team notified
Credit Approval Policy
Rules governing credit limit decisions
Minimum credit score to approve
Applications below this score are automatically declined
/100
Maximum limit without insurance
Insurance required above this threshold
€
Senior approval above
Finance Director sign-off required
€
Default credit term
Applied when no term is specified
Credit Review Frequency
How often accounts must be reviewed by risk tier
High risk accounts
Mandatory review frequency
Medium risk accounts
Low risk accounts