The System Debtor View

System Debtor View Overview

This page serves as a detailed guide to the System Debtor View in Quiddly Operations Portal. This view manages the financial profile, risk settings, and status of a specific debtor (the ultimate payer of an invoice).

The Debtor View is structured into three main areas:

1. General Details: Core identity information.
2. Debtor Attributes (Expandable Sections): Detailed risk, financial limits, balance, and operational control settings.
3. Tabbed Detail Sections: Specific records related to clients, invoices, and other operational data tied to this debtor.

1. General Details: Core Identity

This top section displays the core identity for the system debtor.

Field	Description
Identification Number	The unique national or governmental ID number for the debtor.
VAT number	The debtor’s Value Added Tax registration number.
Name	The name of the debtor.
SNI	Field for SNI (Standard Industrial Classification).

2. Debtor Attributes (Expandable Sections)

These sections detail the debtor’s financial risk profile, credit limits, balances, and global exclusion rules.

Section Name	Description	Key Information Included
Exclude client debtor from specific events and actions	Operational controls to exempt the system debtor from automated processes.	Toggles for Exclude client debtor from reminder event, Exclude client debtor from collection event, Do not generate any late interest for this client debtor, and a dropdown for Exclusion criteria applied to client debtors:.
Custom Attributes	Displays custom data fields configured for your organization.	Attribute, Value, Date columns.
Risk Overview	Provides a summary of the debtor’s credit and risk status.	Credit data for debtor does not exist.
Credit limit	Configuration of the available credit limit for the system debtor.	Toggles for Allow financing and Automatic credit check on this system debtor. Fields for Credit Limit, Valid to, Used, Disposable. Table listing Limit by currency (with Recourse/Without Recourse options), showing Limit, Valid To, Used, Disposable, and Balance.
Insurance limit	Configuration for insurance coverage on the system debtor’s invoices.	Credit Limit (shows not set when empty), Used, Disposable. Checkbox Exclude insurance limit validation when financing invoices, available once a Credit Limit is set.
Financing	Rules specific to financing this system debtor’s invoices.	Annual turnover, Limit invoice-size-to-turnover percentage, Limit expired debtor ledger with the checkbox Add day limit (Include only invoices expired after), Limit expired debtor collection ledger, Max. allowed invoice age, Max. allowed invoice amount.
Balance	Summary of the total outstanding financial balances for the system debtor.	Breakdown of Capital, Reminder, Interest, Capital Service, Capital Financed (with and without recourse).
Expired Balance	Summary of the total expired financial balances for the system debtor.	Total Expired, with a breakdown of Capital, Reminder, Interest, Capital Service, Capital Financed. Total Expired is capital plus reminder fees plus interest on overdue invoices, so it is not a capital-only figure. The fees and interest are included on purpose, to show the full overdue obligations of the debtor.

3. Tabbed Detail Sections

These tabs provide detailed lists and operational data related to the clients, invoices, and other processes involving this debtor.

Tab Name	Description	Key Information/Sections
Clients	Lists all client entities that have generated invoices for this specific system debtor.	ID, Client ID, Cust. Name, ID/No, Type, Email, Phone.
Invoices	A list of all invoices issued to this system debtor across all clients.	Filters (All, Created, Pending Financing, etc.). Table showing: ID, Invoice Date, Invoice No, Client ID, Client Name, Expire Date, Total to Pay, Balance, Ledger Status, Collection Reference, Part Payment Reference.
Part Payment Plans	Lists all active and historical installment plans associated with this system debtor.	Filters (All, Open, Paused, Closed). Table showing: ID, Started, Product, Annuitet, Type, Debtor, Payment reference, Debts, Original Amount, Part Payment, Balance.
Notes	A history of all communication and internal notes logged for this system debtor. Pinned notes stay at the top, the most recently pinned first.	New Note button. List of notes showing date, user and content. Tick Pin note to top when adding or editing a note to keep it at the top; pinned notes are marked Pinned.
Documents	Stores and lists all documents related to the system debtor.	Table showing: Type, Date, Event Type, Name, Created By.
Enforcement	Details any legal enforcement (and collection cases) against the system debtor.	Table showing: Enforcement Case, Collection Case, Status, Action.

⚙️ Debtor Actions Menu (Three-dot Menu)

Located in the top-right corner, this menu allows you to execute immediate management actions related to the debtor.

Action Name	Description
Add task	Creates a new task or follow-up action related to this system debtor.
Start bankruptcy process	Opens the Start bankruptcy process dialog, which pauses the debtor’s invoices and collection cases. Choose what to pause, then click Confirm. See below.
System debtor history	Opens the change log of the system debtor with Change date, Type, Field name, Old value, New value and Changed by. It logs changes, not creation: a value filled in for the first time, such as a new custom attribute, is not logged, but changing it afterwards is.

Start bankruptcy process

The dialog asks “Do you want to start a bankruptcy process for the debtor?” and has two checkboxes. Nothing is paused unless you tick it.

Checkbox	What happens
Pause all invoices	Every activated invoice of the debtor is paused with no end date, so it stays paused until someone resumes it. Invoices that are part of a collection case are not paused.
Pause all collection cases	Every open collection case of the debtor gets the status Paused.

Each paused invoice and case gets a system note (“Bankruptcy process initiated”) that is not shown to the client.

Financing troubleshooting

Financing is checked against the system debtor, so a block can come from settings here even when the client has room.

Insurance limit. The message “No disposable insurance limit left for the invoice.” comes from the insurance limit check on the system debtor, which is separate from the rules in the rule engine, so you will not find a rule for it. It is raised when Credit Limit under Insurance limit is set and Disposable is zero or less. Two ways to stop it:

• Tick Exclude insurance limit validation when financing invoices on the system debtor.
• Leave Credit Limit empty (not set). An empty limit is not checked, but a limit of 0 is, and 0 leaves nothing disposable.

Expired ledger. Financing is blocked when the system debtor’s expired balance is above Limit expired debtor ledger under Financing. An empty limit and a limit of 0 both count as no limit: outside the rule engine the limit is not checked, and in the rule engine the criterion follows If no value. The expired balance is the Total Expired figure under Expired Balance. The error says that the maximum allowed expired ledger amount is exceeded. To get the debtor financed again, do one of these:

• The debtor pays the overdue invoices.
• Raise Limit expired debtor ledger.
• Tick Add day limit and enter a number of days under Include only invoices expired after. Then only the capital of invoices that expired more than that many days ago counts against the limit.

Wrong system debtor. The system debtor is found through the identification number on the invoice. If the number on the invoice differs from the one on the system debtor you expect, for example because the ERP adds a prefix or dashes, the invoice belongs to a different system debtor that has no limit, and financing stops with a message that there is not enough credit room on the debtor. To fix it:

1. Compare the identification number on the invoice’s debtor with the identification number on the client debtor and the system debtor.
2. Contact Quiddly support to link the invoice to the intended system debtor.
3. Align the identification number in the ERP so new invoices carry the right number.

No collection event on an invoice. If Exclude client debtor from collection event (or Exclude client debtor from reminder event) is ticked on the system debtor, its invoices get no collection (or reminder) event. A client debtor with Override exclusion settings on system debtor ticked uses its own settings instead.