Točno report
Who owes you
Rates checked:
Act this week
Up to five customers to deal with first: the largest overdue amounts among those who should be charged interest or moved to other terms.
When the money will be in your account
Your open invoices over the next 8 weeks: by their due dates, and by how each customer has actually paid so far.
Under each week: the amount expected by customer habits, in euros. Weeks run from the report date. If a customer is up to 14 days later than usual, we expect the payment this week; if more — the date is uncertain. Such an invoice is in no week: it is counted apart, as overdue with an uncertain payment date.
Changes since last time
Newly overdue invoices
Paid since last time
Customers who got worse
What you will pay
Before you send it to the bank
Only the payments to check, the highest risk first.
An estimate from your invoice list, not legal advice. Default interest at the statutory rate (ZPOMZO-1) and €40 per late invoice between businesses (ZPreZP-1), up to the report date. Expected payments follow how each customer has paid in the last 12 months. The tool points out suspicious patterns; it does not guarantee that a payment is safe. Since October 2025 your bank also checks that the recipient's name matches the IBAN (Verification of Payee, VoP).