RCV-8811ReceivableGBNet 30via email

Halcyon Retail Partners

Retail · INV-2026-03712

At stake

£214,800.00

Expected recovery under this decision £100,956.00

Ageing

122 days past due

Fell due 2 May 2026

Engine decision

SuppressedHigh confidence

Decided by gate G-INSOLVENCY, bypassing the score of 67.

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 5 records

Against it

Insolvency proceedings on recordINSOLVENCY_FILED
The debtor entered in administration on 18 August 2026, with a moratorium in effect.
Routed by a hard gate; excluded from the score · traced to EV-8811-02
+0
Relationship guard appliesRELATIONSHIP_GUARD
Lifetime value of £3,100,000.00 across 48 months exceeds your £39,500.00 guard, and 0 orders are currently open.
Lifetime value guard · traced to EV-8811-05
-8

Context

Past duePAST_DUE
Invoice INV-2026-03712 for £214,800.00 fell due on 2 May 2026, 122 days ago.
Invoice ageing: over 60 days · traced to EV-8811-01
+22
Propensity to settle unaidedPROPENSITYcited
Payment behaviour scores 47 of 100 on 3 settled invoices, with a median pay lag of 54 days after terms and a spread of 10 days.
Propensity to settle unaided, inverted into intervention pressure · traced to EV-8811-03
+2
Contact headroom remainsCONTACT_HEADROOM
1 of the permitted 7 contact attempt in the trailing seven days has been used.
Contact frequency governance · traced to EV-8811-04
+0

Step 2 — hard gatesThese bypass the score entirely

Insolvency proceedingsG-INSOLVENCYdecided this case
The debtor is in formal insolvency proceedings. Continuing to pursue is at best ineffective and, where a moratorium applies, impermissible. The claim goes to the administrator, not the ledger.

Step 3 — the position it takesnone

No action — INV-2026-03712

Why nothing is being sent

The debtor is in formal insolvency proceedings. Continuing to pursue is at best ineffective and, where a moratorium applies, impermissible. The claim goes to the administrator, not the ledger.

PROPENSITY

Exhibits attached

EV-8811-02 — Administration notice · Companies House NOT-8812044
EV-8811-05 — Account profile · Salesforce acct_HA-7720

Step 4 — self-checkReleased

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

digest 2b246dbb7f8ed68f · the same case always produces this digest

The record5 items

InvoiceEV-8811-01
Xero · INV-2026-03712 · captured 02 Apr 2026
amount_minor
21480000
currency
GBP
terms
Net 30
Administration noticeEV-8811-02
Companies House · NOT-8812044 · captured 18 Aug 2026
status
in_administration
filed_at
2026-08-18T00:00:00Z
administrator
Appointed insolvency practitioner
moratorium_in_effect
true
Payment history, 24 monthsEV-8811-03
Xero · cust_HA-7720 · captured 01 Sept 2026
rows
2026-03-02|2026-04-30|1880000;2026-02-02|2026-03-28|2240000;2026-01-02…
invoices_paid
15
invoices_written_off
0
partial_payments
5
Contact attempts, trailing 7 daysEV-8811-04
Setliva · log_HA-7720 · captured 01 Sept 2026
attempts_last_7_days
1
last_contact_at
2026-08-26T11:00:00Z
last_channel
email
responded
false
Account profileEV-8811-05
Salesforce · acct_HA-7720 · captured 01 Sept 2026
lifetime_value_minor
310000000
relationship_months
48
open_orders
0
timezone
Europe/London

Propensity to settle unaided47/100

Base rate Starting position before any account evidence.	+50
Median pay lag Settles a median 54 days after terms.	-14
Consistency Pay timing varies by 10 days across invoices.	+6
Tenure 48 months of trading history.	+5

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.evaluated08:46:30
5 signals extracted; digest 2b246dbb7f8ed68f
d4d1f52dacfb6960825f2d4c…
decision.gated08:46:31
G-INSOLVENCY fired, giving hold
6a6f1adcfe7b2893d54017cf…