Debt collection and receivables
An early signal that a debtor is in trouble – before it hits recovery.
You are the last to hear that a debtor is in trouble.
The first sign that something is wrong with a debtor almost never comes from the debtor. It comes from the registry – an entry about tax arrears, enforcement discontinued, a bankruptcy petition, an address change a week before the payment is due.
Those entries are public and free. The problem is different: nobody opens the registry every day for three hundred counterparties. So the information reaches you late, or not at all – and in collections, late has a price, because the order of creditors often matters more than the strength of your argument.
Company Monitor inverts that: you name the debtors once, and the registry comes to you when something about them changes.
Four things this changes.
The whole book under watch
Add your debtors by tax number or registry number. From then on each company is checked daily, with no effort on your side. Adding and removing companies costs nothing.
Priorities set by weight
Every event carries a class and a severity – from routine change to critical signal. Enforcement discontinued and a new phone number do not land in the same queue.
A current address for service
A demand letter sent to a stale address is a lost month. Changes of registered office and contact details are their own event type, so you know before the envelope comes back.
Who to chase after a merger
A company can merge, split or be struck off. Reorganisation events tell you the debtor changed shape – in time to work out who now carries the debt.
What you will actually see.
These are not marketing categories but real registry entries that Entiway extracts from full KRS extracts and GUS data. Each arrives with its entry date and the old and new value.
The debtor stopped paying the State
Tax, customs and social-security arrears are recorded in Section 4 of the KRS. That entry is made by a public creditor – someone whose enforcement powers are stronger than yours. If they did not recover, your odds just dropped.
Enforcement that found nothing
Enforcement discontinued as ineffective, and court-ordered security over assets, are the hardest signals in the registry. We separately detect a bankruptcy petition dismissed for lack of assets – formally a refusal, in practice an official statement that there is nothing left to recover from.
Bankruptcy, restructuring, liquidation
Proceedings opened and closed, liquidation started, an administrator or receiver appointed. Each is a separate dated event – because the difference between "declared in March" and "declared yesterday" decides whether you still make the deadline to file your claim.
Quietly disappearing
Not every debtor goes bankrupt. More often they suspend activity, move their registered office or are struck off. These events make no noise, yet they often come earlier than everything above – especially for sole traders, who have no Section 4 at all.
The company changes shape
Mergers, demergers, a change of legal form, a reduction of share capital. On their own they can be neutral; next to arrears they form a picture worth seeing before you send the next demand.
What you will not find here.
We would rather say this up front than have you discover it after buying. Entiway reads state registries – GUS and full KRS extracts. That draws the line:
- No entries from credit bureaus. KRD, BIG and ERIF are separate databases fed by creditor submissions; we do not resell them.
- No financial statements and no scoring. We do not compute a credit rating; we deliver registry facts and the moment they changed.
- The event stream carries no changes of people. Individuals connected to companies are in the data – public from GUS, masked from KRS but with the role they hold – they simply feed a separate historical layer that is not yet exposed as events. One exception: a change of partner in a civil or general partnership, and a change of owner of a sole trader business, do come through, because GUS carries them.
- Section 4 applies to registered companies. Sole traders have no entries there – for them the signal is their GUS status: suspension, resumption, removal.
Before you ask.
Where does this data come from?
From two primary sources: the GUS registry and full KRS extracts, which we fetch and parse in their entirety. We do not buy data from intermediaries, so we do not inherit their delays or gaps.
How quickly will I hear about a change?
The registry is checked on a daily cycle. Every event carries two dates: the registry entry date and the day we detected it – so you can tell a fresh entry from a historical gap we have just filled in.
What does watching a hundred debtors cost?
Watching one company costs 2 credits per day, so a hundred companies for a month is 6,000 credits. Reading the events themselves is free – you pay for monitoring, not for looking at the results. Adding and removing companies costs nothing either.
Do I need a developer?
No. You keep your debtor list in the browser panel and see the events there. The API is for teams that want the signals inside their own collections system – same service, same wallet, different door.
Start with a single debtor.
Every new account gets starting credits – enough to put a few counterparties under watch and see what the registry has to say about them. No card, no commitment.