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    Debtor Intelligence

    When you mention any debtor, AI Copilot instantly builds a comprehensive relationship dossier from 11 data sources. Not just numbers — it understands the story behind every debt.

    8 signals, one conversation

    Every debtor dossier is built in real time from your live data — no configuration required.

    Relationship Tenure

    3 years, 2 months

    How long you've worked together — calculated from your earliest invoice date.

    Payment Reliability Score

    78%

    Ratio of invoices paid on time vs total invoices. Weighted by recency.

    Revenue Significance

    18% of total revenue

    What percentage of your total workspace revenue this debtor represents.

    Revenue Rank

    #2 largest client

    Where they sit relative to all your debtors — top 5, top 10, or minor.

    Current Exposure

    £12,400 overdue (67 days)

    Total outstanding amount and how long the oldest invoice has been overdue.

    Payment Trajectory

    Deteriorating ↓

    Whether their days-to-pay is improving, stable, or getting worse over time.

    Communication Summary

    6 chasers, 0 responses

    Total communications sent, last contact date, and response rate.

    Recovery Actions

    Settlement pending (14d)

    Active settlements, payment plans, penalties, LBAs, and legal cases.

    What a dossier looks like

    HB

    Hartley Brooks Ltd

    Debtor Profile · Generated in 1.2s

    ⚠ High-Value Deteriorating
    Relationship Tenure3 years, 2 months (since Jan 2023)
    Payment Reliability78% — pays 4 out of 5 invoices, but averaging 22 days late
    Revenue Significance18% of total revenue — #2 largest client (£67,200 lifetime)
    Current Exposure£12,400 across 4 invoices — oldest 67 days overdue
    Payment TrajectoryDeteriorating ↓ — last 3 invoices averaged 45 days vs 12 days historically
    Services ProvidedMonthly SEO Retainer (£2,000/mo × 14 months), Website Redesign (£8,500)
    Communications6 chase emails sent, 0 responses since 4 March 2026
    Recovery ActionsSettlement offer created 12 Mar 2026 (85%, £10,540) — pending response

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