All the scenariosFinance and administrationOverdue receivables and remindersSimple
Friday: twelve clients late, three have already paid
The situation
On Friday 25 September Acme Impianti's office puts the usual files into one ZIP: the clients' open items exported from the gestionale (16 overdue invoices of 12 clients, 61,400 €), the home banking movement list of the last two weeks, the reminder log with its outcomes and the client registry with e-mail and PEC. The gestionale does not know that three clients have already paid by a transfer with no invoice number — Costruzioni Bianchi two invoices at once —, that Zanetti and Market Borgo Panigale did not answer the second reminder of early September, and that Ediltecnica Cavazza let August's formal notice expire.
The documents
The same files the agent was handed. Open them before you read the rest: the names, addresses and VAT numbers are invented, the structure is not.
What the agent does
The same four phases as every run, in order. In the console you watch them go by one at a time, with the credits beside them.
- 01DiagnoseReads the input and decides what the job actually is.
- 02AssemblePicks tools, data sources and the model you chose.
- 03ActDoes the work. Anything that leaves the building waits for approval.
- 04AssessChecks its output against your rules before settling credits.
The tools it used
Read off the recording of the run, not off a feature list.
- Read the open items
- Match invoices to payments
- Search the reference documents
- Prepare the reminders
The result
12 clienti, 61.400,00 €: 3 già pagati (non sollecitare), 6 promemoria cortesi, 2 messe in mora (interessi 1.213,25 €), 1 al legale
Overdue by age
| Age | Invoices | Amount |
|---|---|---|
| 0–30 days | 6 | €12,279.92 |
| 31–60 days | 1 | €5,000.00 |
| 61–90 days | 1 | €6,100.00 |
| over 90 days | 4 | €21,184.08 |
Clients
| Client | Action | Overdue | Days | Interest | Why |
|---|---|---|---|---|---|
| EDILTECNICA CAVAZZA S.R.L. | To the lawyer | €18,420.00 | 117 | €473.52 | messa in mora del 04/08/2026 senza esito (termine scaduto il 19/08/2026), 117 giorni di ritardo |
| AUTOFFICINA ZANETTI S.A.S. | Formal notice | €9,252.48 | 377 | €975.51 | sollecito del 07/09/2026 senza esito da 18 giorni |
| MARKET BORGO PANIGALE S.R.L. | Formal notice | €4,611.60 | 280 | €237.74 | sollecito del 03/09/2026 senza esito da 22 giorni |
| IMMOBILIARE SANTORO S.R.L. | Courteous reminder | €3,660.00 | 5 | €5.21 | 5 giorni di ritardo, primo avviso |
| OFFICINE MECCANICHE RENO S.R.L. | Courteous reminder | €3,172.00 | 30 | €27.11 | 30 giorni di ritardo, primo avviso |
| PALESTRA FITNESS IDICE S.S.D. A R.L. | Courteous reminder | €2,214.92 | 26 | €16.41 | 26 giorni di ritardo, primo avviso |
| CONDOMINIO VIA SARAGOZZA 12 | Courteous reminder | €1,281.00 | 14 | €0.00 | 14 giorni di ritardo, primo avviso |
| TIPOGRAFIA FELSINEA S.R.L. | Courteous reminder | €1,098.00 | 29 | €9.07 | 29 giorni di ritardo, primo avviso |
| RISTORANTE DA NELLO S.N.C. | Courteous reminder | €854.00 | 22 | €5.35 | 22 giorni di ritardo, primo avviso |
| COSTRUZIONI BIANCHI S.P.A. | Do not chase | €0.00 | 0 | €0.00 | già pagate il 23/09/2026 (abbinamento senza numero di fattura: verifica): non sollecitare |
| FARMACIA SAN DONATO DI M. CAVINA & C. S.A.S. | Do not chase | €0.00 | 0 | €0.00 | già pagata il 24/09/2026 (abbinamento senza numero di fattura: verifica): non sollecitare |
| HOTEL PORTA GALLIERA S.R.L. | Do not chase | €0.00 | 0 | €0.00 | già pagata il 17/09/2026 (abbinamento senza numero di fattura: verifica): non sollecitare |
Letters to approve
- L01 AUTOFFICINA ZANETTI S.A.S. — Formal notice · PEC autofficinazanetti@pec.example · €10,267.99 · term Oct 10, 2026
- L02 MARKET BORGO PANIGALE S.R.L. — Formal notice · PEC marketborgopanigale@pec.example · €4,929.34 · term Oct 10, 2026
- L03 IMMOBILIARE SANTORO S.R.L. — Courteous reminder · e-mail amministrazione@immobiliaresantoro.example · €3,660.00
- L04 OFFICINE MECCANICHE RENO S.R.L. — Courteous reminder · e-mail contabilita@officinereno.example · €3,172.00
- L05 PALESTRA FITNESS IDICE S.S.D. A R.L. — Courteous reminder · e-mail segreteria@fitnessidice.example · €2,214.92
- L06 CONDOMINIO VIA SARAGOZZA 12 — Courteous reminder · e-mail condomini@studioneri.example · €1,281.00
- L07 TIPOGRAFIA FELSINEA S.R.L. — Courteous reminder · e-mail amministrazione@tipografiafelsinea.example · €1,098.00
- L08 RISTORANTE DA NELLO S.N.C. — Courteous reminder · e-mail info@ristorantedanello.example · €854.00
Already paid: do not chase
| Client | Invoices | Amount | Paid on | Evidence |
|---|---|---|---|---|
| COSTRUZIONI BIANCHI S.P.A. | 104/2026, 111/2026 | €9,394.00 | Sep 23, 2026 | nessun numero in causale «BON.SEPA DA COSTRUZIONI BIANCHI SPA CAUS: PAGAMENTO SAL 5 E VARIANTE QUADRI C…»: FT 104/2026 7.320,00 € + FT 111/2026 2.074,00 € = 9.394,00 €, tutte dello stesso cliente |
| FARMACIA SAN DONATO DI M. CAVINA & C. S.A.S. | 109/2026 | €1,342.00 | Sep 24, 2026 | nessun numero in causale «BON.SEPA DA FARMACIA SAN DONATO SAS CAUS: VS FATTURA DI LUGLIO»: stesso importo (1.342,00 €) e stesso cliente, pagata 34 giorni dopo la scadenza |
| HOTEL PORTA GALLIERA S.R.L. | 95/2026 | €6,100.00 | Sep 17, 2026 | nessun numero in causale «BON.SEPA DA HOTEL PORTA GALLIERA SRL CAUS: SALDO LAVORI ILLUMINAZIONE EMERGEN…»: stesso importo (6.100,00 €) e stesso cliente, pagata 19 giorni dopo la scadenza |
To the lawyer, with the facts for the payment order
- EDILTECNICA CAVAZZA S.R.L. €18,420.00 — interest €473.52 + €120.00 (art. 6) · estratto autentico notarile delle scritture contabili (art. 634 c. 2 c.p.c.): chiederlo al commercialista
Late-payment rates used
- 2025-H2 10.15 % — MEF, comunicato in G.U. n. 161 del 14/07/2025
- 2026-H1 10.15 % — MEF, comunicato in G.U. n. 15 del 20/01/2026
- 2026-H2 10.40 % — MEF, comunicato in G.U. n. 163 del 16/07/2026
To check
- scaduto-clienti-acme-25-09-2026.zip › movimenti-conto-1000-00123456-14-09-2026_25-09-2026.csv: 1 operation(s) the bank lists as not yet booked (prenotate / non contabilizzate) were left out — they belong to the next statement
- CONDOMINIO VIA SARAGOZZA 12: condominio: non è un'impresa, niente interessi D.Lgs. 231/2002 né 40 € (art. 1284 c.c. dalla messa in mora)
real time 43 s13 creditsOpen the report (PDF)
Minute by minute
- 0 sDiagnose0 credits
- 2 sAssemble1 credit
- 4 sAct1 credit
- 6 sToolRead the open items0 credits
- 6 sAct1 credit
- 7 sToolMatch invoices to payments0 credits
- 7 sAct1 credit
- 9 sToolSearch the reference documents0 credits
- 9 sToolSearch the reference documents0 credits
- 9 sToolSearch the reference documents0 credits
- 9 sToolSearch the reference documents0 credits
- 9 sToolSearch the reference documents0 credits
- 9 sToolSearch the reference documents0 credits
- 9 sToolSearch the reference documents0 credits
- 9 sToolSearch the reference documents0 credits
- 9 sToolSearch the reference documents0 credits
- 9 sAct1 credit
- 12 sToolPrepare the reminders0 credits
- 12 sAssess9 credits
What to look for
The first line says it all: 12 clients for 61,400.00 €, but three have already paid and must not be chased — the reminder to Costruzioni Bianchi, which settled FT 104 and FT 111 with a single transfer quoting no number, would have been a mistake. Six courteous reminders, each to the right contact (Da Nello's with a thank-you for this week's payment); two formal notices by PEC with the late-payment interest to the day, semester by semester (975.51 € for Zanetti on an invoice a year overdue) and 40 € per invoice; Ediltecnica Cavazza to the lawyer with the facts for the payment order and what is missing, starting with the certified extract of the books. No letter goes out: they are drafts to approve.
