LedgveroCredit & payments

Risk, with reasons.

Ledgvero keeps a credit tier on every buyer, from Lowest to Critical, and says why in plain numbers. Insurance and factoring are counted in. Anything it is not sure about waits for a person.

Book a call How a tier is set
Ledgvero Buyers Fri 6 NovCC
Portfolio risk distributionOutstanding · €606.8k
  • Critical€41.8k
  • High€184.2k
  • Medium€96.3k
  • Low€72.5k
  • Lowest€212.0k

At risk revenue€226.0kCritical and High

Pick a buyer to see why it sits in its tier.

How a tier is set

Facts first. Then judgement.

The numbers come from your invoices, payments and cover. The AI weighs them. A few facts overrule it, and a person can overrule everything.

  1. 01 · Facts

    Counted, not guessed.

    Each buyer’s numbers are added up in code, in your currency at today’s rate.

    • Open and overdue, by age
    • Credit limit used
    • Insured limit, uncovered part
    • Factoring advances on late invoices
    • 24 months of paying
    • Write-offs, claims, legal cases
    • Recent notes, in any language
  2. 02 · Judgement

    Five questions for the AI.

    It reads the facts as a credit controller would and answers in fixed forms, not prose.

    • Which tier?one of five
    • How do they pay?0–4
    • Getting worse?0–3
    • Loss after insurance?0–4
    • Signs of distress?yes / no
  3. 03 · Rules

    Some facts need no judgement.

    • Open insurance claimCritical
    • Active legal caseCritical
    • Strong distress signalat leastHigh
  4. 04 · Decision

    Unsure means unchanged.

    When the AI is not confident, the old tier stays and the buyer is marked Needs review.

    You can pin any tier with a reason. Automatic assessment then leaves it alone.

    The tier picks the buyer’s reminder plan.

A buyer is looked at again when anything changes: a payment, an invoice, a note, a limit, a factoring line. At least daily while they owe you money.

Insurance and factoring

What really covers you.

An insured limit and a factoring line are instruments, not checkboxes. Ledgvero works out what each one covers today, buyer by buyer, and what you would carry if a buyer stopped paying.

Credit insuranceBuyer · Verona · Insurer A · indemnity 90%
Approved limit
€150,000
Current exposure
€184,200
Based on open invoices
Remaining cover
€0
€34,200 over the limit

If this buyer stopped paying today

  • Insurer pays €135,00090% of the limit
  • Your share €15,00010% of the limit
  • Not covered €34,200above the limit

You carry €49,200. The tier counts this, not the invoice total.

When a buyer defaults · Buyer · Marseille

  1. Notified
  2. Filed
  3. Accepted
  4. Indemnified
  5. Recovering
  6. Closed

Claims are tracked to the end: indemnity received, recoveries, net loss. An open claim puts the buyer in Critical by rule.

Insurer letter in · limits read and matched

  • Buyer · Verona96% match€150,000 €120,000Reduced
  • Buyer · Gdańsk99% match€100,000Unchanged
  • Buyer · Cluj88% match€40,000New limit

Matched by tax ID and name. Nothing changes until you apply.Apply updates

FactoringFactor A · EUR line
Limit
€2,000,000
Advance
90%
Interest APR
4.20%
Rate history kept

UtilisationUsed €1,260,000 / 2,000,000 EUR

Available: €740,000Not frozen

Unsettled advances · Buyer · Verona

InvoiceAdvancedAmountExpected settlementStatus
26-1121€16,200€18,00028 Oct9 days overdueOverdue
26-1184€14,850€16,50012 NovDue in 6 daysDue soon
26-1209€21,600€24,0004 DecDue in 28 daysScheduled

An advance on an overdue invoice is owed back to the factor if the buyer does not pay. The tier counts it as your risk.

On each factored invoice

  • Matched to the line
  • Advance recorded
  • Collection recorded
  • Settled

A frozen line takes no new invoices or buyers; the ones in flight run to settlement.

Issues

Read by AI. Doubts go to a person.

Invoices, credit notes, pro formas and the papers that come with them arrive by email, upload or API. The AI reads each one. A document it cannot vouch for is held back from your totals and becomes an issue for a person.

Read today
64
by AI, from email, upload and API
Straight through
58
into the ledger, no one touched them
For a person
6
held back from totals until checked
Ledgvero Issues Open 6Resolved

Oldest firstAge

  • Review possible duplicate invoiceInvoice 26-1231 · Buyer · Verona0d
  • Verify bank accountInvoice 26-1226 · New IBAN on the document0d
  • Verify extracted detailsInvoice 26-1229 · Buyer · Bremen0d
  • Match note to invoiceCredit note CN-0412 · Buyer · Gdańsk1d
  • Identify buyerInvoice 4471 · Buyer name on the document2d
  • Match supporting documentCMR · no invoice reference · Waiting for the invoice3d

Review issue

Review possible duplicate invoice

Compare the incoming invoice with the existing record, then choose what to keep.

Incoming documentExisting invoice
Invoice number26-123126-1231
BuyerBuyer · VeronaBuyer · Verona
Invoice total€18,000.00€18,000.00
Issue date3 Nov3 Nov
Came in byEmail (BCC)Upload

The details shown match. Check the original documents to confirm.

How should this document be handled?

  • Same invoiceKeep the existing invoice and discard the incoming copy.
  • Separate invoicesKeep the incoming invoice as a separate record.
Resolve issueKeep open · review next

Fifteen kinds of doubt, each with its own check

The document

  • Not an invoice
  • Low confidence parse
  • Amount missing
  • Due date missing proof

Who it is about

  • Buyer unresolved
  • Roles ambiguous
  • Roles potentially swapped
  • Tenant mismatch suspected
  • New bank account detected

Seen before

  • Duplicate suspected
  • Pro forma duplicate suspected
  • Note duplicate suspected

Where it belongs

  • Note unmatched
  • Unlinked supporting document
  • Factoring line unmapped
Cash and Monday

The next thirty days, by risk.

Every open invoice is placed on the day the money is expected: the factor’s settlement date, a date the buyer promised, or the due date. Then the same cash is shown by tier, so you can see how much of next week rests on shaky buyers.

Ledgvero DashboardCash flow forecast
Expected inflows (30 days)
€470.1k
Total outstanding
€606.8k
Overdue outstanding
€122.2k
  • Critical
  • High
  • Medium
  • Low
  • Lowest
  • Invoices
  • Advances
  • Settlements

Fri 6 holds what is already overdue · EUR · also by customer

Every Monday

The collections review.

The week’s snapshot is ready when the meeting starts: every customer, aged. Last week’s plan sits next to this week’s. When the meeting ends, lock the notes; month-end statements keep a history of every correction.

Ledgvero Collections review Export XLSXLock notes

Weekly review · Mon 2 Nov4 customers · €534.3k outstanding

CustomerNot due≤30d31–60d60d+TotalΔ priorThis week’s planDone
Buyer · Verona121.828.234.2—184.2+22.4Call on Friday; hold the next order until 26-1121 is paid
Buyer · Marseille———41.841.80.0Claim filed; send the delivery papers to the insurer
Buyer · Gdańsk84.411.9——96.3−8.0Second reminder out; check credit note CN-0412
Buyer · Antwerp212.0———212.0+40.0+ Add plan
What it connects to

One source for who owes what.

Ledgvero holds the truth about who owes what and how safe it is. The other tools read it from there instead of keeping their own copy.

Comes in

  • Your inboxCopy a Ledgvero address on outgoing invoices; documents are read and filed.
  • Upload and APISingle files, batches, or straight from your accounting system.
  • Bank paymentsEach payment matched to its invoices, with a reason for every suggestion.
  • Insurer and factor documentsLimit letters and spreadsheets read, matched, applied when you say so.

Goes out

  • BOSSReads each order’s payment state live, and the buyer’s insured limit.
  • RegistryBuyers sent to the shared company registry every night, one identity each.
  • RemindersEmail and SMS, on the plan the buyer’s tier picks. Buyers can open their own statement by link.
  • ExportsThe weekly review and month-end statements as XLSX.

Ask the desk.

The same desk answers in Slack and in Claude. Questions get numbers with the ids behind them. Changes come back as a card for a person to confirm. Writing only works where the company has turned it on, and only for an admin.

Why is Buyer · Verona high?

High since 4 Nov, up from Medium. €62.4k overdue, up to 47 days late. €34.2k is not covered by insurance, and €16.2k of factoring advances sit on overdue invoices. Paying 19 days late recently, 6 long-run.

Sort out the duplicate on 26-1231.

Possible duplicate · Invoice 26-1231Same number, buyer, total and date as the invoice already in the ledger.

Discard copyCreate anyway
Who uses it

The people who carry the risk.

FinanceThe desk is their day: tiers, cover, issues, the Monday review.Finance OwnersAt risk revenue, losses, and the cash expected in the next thirty days.Owners OperationsDocuments that need a person arrive as issues, not as surprises at month-end.Operations TradersA buyer’s tier and remaining cover, one question away before the next deal.Traders

Bring your buyer list.

Thirty minutes on a call. We go through how your buyers would be tiered, what your insurance and factoring cover today, and which documents would end up as issues.

Book a call For finance teams

[email protected]Product site ledgvero.com