AI AI insights
Debtors ageing
Open invoices by days past due - reconciled to the Balance Sheet
Ageing by customer segment
Where overdue balances concentrate
Collections forecast - next 13 weeks
Expected receipts from today's debtors and from forecast sales, with an 80% range
Projected debtors - next 6 month-ends
Future debtors and their expected ageing if customers keep paying as they do now
Customer analysis
Ageing, payment behaviour and AI risk score per customer - click a row for invoices, reasons and a drafted reminder
| Customer | Risk | P(>30d late) | Not due | 1-30 | 31-60 | 61-90 | 91-180 | 180+ | Total | Limit used | Avg days late | Expected 30d |
|---|
Debtors and DSO - 24 months
Operational debtors ledger at each month-end (reconciled to the Balance Sheet at 30/06/2026) and DSO by the countback method
Earlier month-ends come from the operational ledger. They are not forced to the GL, whose trade-receivables line also carries settlement balances that are not customer invoices.
Historical payment patterns
Invoices settled in the last 12 months by days paid after the due date (value-weighted)
| Segment | Invoices | Avg days late | Paid >15 days late |
|---|
Payment behaviour heatmap
Days paid after due date, largest customers, by month settled (green early, red late)
Early warning - invoices likely to slip
Not yet due, but predicted to be paid more than 30 days late
| Invoice | Customer | Due | Amount | P(>30d late) |
|---|
How the AI works - model card
Payment-risk model and collections back-test (31/03/2026 forecast vs actual)