RCV-8803ReceivableBRNet 30via whatsapp

Praia Componentes SA

Industrial parts · INV-2026-04102

At stake

R$ 38.900,00

Expected recovery under this decision R$ 16.727,00

Ageing

74 days past due

Fell due 19 June 2026

Engine decision

To a humanModerate confidence

Weighed score 86. Receivables have no single floor — the ladder is driven by propensity, ageing and consent.

The engine’s working

Streamed as it happens. Real timings are scaled down so the run is watchable.

·Idle. The decision below is already computed; running replays how it was reached.

Step 1 — the facts it extracted5 signals from 6 records

For acting now

Broken promises to payBROKEN_PROMISES
2 promises to pay have been broken out of 3 mades; the most recent was R$ 20.000,00 due 21 August 2026.
Promises broken against your escalation threshold · traced to EV-8803-02
+22

Against it

Relationship guard appliesRELATIONSHIP_GUARD
Lifetime value of R$ 620.000,00 across 26 months exceeds your R$ 271.000,00 guard, and 0 orders are currently open.
Lifetime value guard · traced to EV-8803-06
-8

Context

Past duePAST_DUE
Invoice INV-2026-04102 for R$ 38.900,00 fell due on 19 June 2026, 74 days ago.
Invoice ageing: over 60 days · traced to EV-8803-01
+22
Propensity to settle unaidedPROPENSITYcited
Payment behaviour scores 43 of 100 on 5 settled invoices, with a median pay lag of 34 days after terms and a spread of 14 days.
Propensity to settle unaided, inverted into intervention pressure · traced to EV-8803-03
+4
Contact headroom remainsCONTACT_HEADROOM
3 of the permitted 7 contact attempts in the trailing seven days have been used.
Contact frequency governance · traced to EV-8803-05
+0

Step 2 — the position it takesnone

Why nothing is being sent

Propensity to settle unaided is 43 of 100 and the invoice is inside the window where contact costs more than it returns.

PROPENSITY

Exhibits attached

Step 3 — self-checkReleased

Every assertion in this artifact resolves to a record on the case. Nothing withheld.

digest e2aa6ca474be7406 · the same case always produces this digest

The record6 items

InvoiceEV-8803-01
Omie · INV-2026-04102 · captured 20 May 2026
amount_minor
3890000
currency
BRL
terms
Net 30
po_reference
PO-77190
Promises to payEV-8803-02
Setliva · ptp_PR-2290 · captured 28 Aug 2026
promises_made
3
promises_kept
1
promises_broken
2
last_promise_at
2026-08-14T00:00:00Z
last_promise_amount_minor
2000000
+ 2 more fields
Payment history, 24 monthsEV-8803-03
Omie · cust_PR-2290 · captured 01 Sept 2026
rows
2026-04-19|2026-06-02|412000;2026-03-19|2026-04-28|388000;2026-02-19|2…
invoices_paid
14
invoices_written_off
0
partial_payments
6
Channel consentEV-8803-04
Setliva · consent_PR-2290 · captured 19 Aug 2025
whatsapp
true
voice
true
sms
false
method
in_app_opt_in
Contact attempts, trailing 7 daysEV-8803-05
Setliva · log_PR-2290 · captured 01 Sept 2026
attempts_last_7_days
3
last_contact_at
2026-08-30T14:05:00Z
last_channel
whatsapp
responded
false
Account profileEV-8803-06
Salesforce · acct_PR-2290 · captured 01 Sept 2026
lifetime_value_minor
62000000
relationship_months
26
open_orders
0
timezone
America/Sao_Paulo

Propensity to settle unaided43/100

Base rate Starting position before any account evidence.	+50
Median pay lag Settles a median 34 days after terms.	-6
Consistency Pay timing varies by 14 days across invoices.	+6
Promise keeping 1 of 3 promises to pay were kept.	-3
Part-payment pattern Settles in instalments more often than in full — expect a plan, not a payment.	-4

Days-past-due is deliberately not an input. Lateness is a property of the invoice; this is a property of the payer.

Your decision

Audit trail2 events

case.evaluated08:40:30
5 signals extracted; digest e2aa6ca474be7406
eab7c715f72358d8dc042c56…
decision.scored08:40:31
score 86 gives escalate_human
790af9fa19f36b312e24e35c…