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Overdue invoices, decided Romuvirta Oy · as at 10 August 2026 FICTIONAL DATA

Month-end receivables. Which overdue invoices to chase, decided against two written limits: 45 days and EUR 120 of statutory interest. A deterministic engine applies them, no model is in the decision, and it refuses to decide where no rule does. Every figure traces to the calculation. Synthetic data, fictional company (Romuvirta Oy). Two steps have to happen first, and only one of them is the system's.

Where the money is

Before the rate category is confirmed. 2 of 6 invoices cannot be decided at all yet.

After applying the commercial statutory rate.

Overdue in totalEUR 82 3506 invoicesevery invoice past its due date
Follow up nowEUR 40 5002 invoicespast 45 days, or interest over EUR 120
A person decidesEUR 21 1002 invoicesdisputed, or you agreed your own rate
Cannot answer yetEUR 20 7502 invoicesneeds the rate category first
Overdue in totalEUR 82 3506 invoicesevery invoice past its due date
Follow up nowEUR 51 5003 invoicespast 45 days, or interest over EUR 120
A person decidesEUR 21 1002 invoicesdisputed, or you agreed your own rate
Cannot answer yetEUR 00 invoicesneeds the rate category first
  • Follow upEUR 40 5002 of 6
  • Needs a personEUR 21 1002 of 6
  • No answer yetEUR 20 7502 of 6
  • Follow upEUR 51 5003 of 6
  • Needs a personEUR 21 1002 of 6
  • No action yetEUR 9 7501 of 6

Two things have to happen before this can be decided

The system will not guess either of them.

Step 1 · only a person can say this COMMERCIAL CONTRACT confirmed by the company or its accountant
Step 2 · the system does this Blocked until the contract type is confirmed.
What it decided, one line per invoice
  1. Vaunumetalli Oy: 62 days overdue, 17 past the limit. Follow up, no interest figure needed.
  2. Kaakon Rakennuspalvelu Oy: 47 days overdue, 2 past the limit. Follow up, no interest figure needed.
  3. Ilvesvuori Logistiikka Oy: 38 days, 7 short of the limit, but interest has reached EUR 120. Follow up.
  4. Saarikoski Teollisuus Oy: disputed. The system will not decide a disputed invoice.
  5. Untamon Rakenne Oy: you agreed a different rate with this customer, so the official one does not apply. Someone has to look.
  6. Rantalan Konepaja Oy: 42 days and EUR 118 interest. Neither has reached the limit, so there is no action yet.

The invoices behind those numbers

Every figure below comes from the same calculation as the cards above. The six invoices are fictional company receivables records, the kind a business may hold in Excel, accounting software, or an ERP.

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2 of 6 rows moved when the check ran
Customer Owed Where it stands What to do
Vaunumetalli Oy2026-0412EUR 18 400due 09 Jun62 days overdueold enough on its own62 days overdueEUR 328 interest trigger EUR 120Follow up62 days overdue, 17 past the 45-day limit. No interest figure needed.Follow up62 days overdue, 17 past the limit, and EUR 328 of interest against EUR 120.
How this was decided
  1. Invoice 2026-0412  EUR 18 400
  2. Due 09 June 2026, so 62 days overdue on 10 August 2026
  3. Day limit 45 days: reached
  4. Interest EUR 328 against the EUR 120 trigger: reached
  5. Result: Follow up. 62 days overdue, 17 past the limit, and EUR 328 of interest against EUR 120.
Kaakon Rakennuspalvelu Oy2026-0455EUR 22 100due 24 Jun47 days overdueold enough on its own47 days overdueEUR 299 interest trigger EUR 120Follow up47 days overdue, 2 past the 45-day limit. No interest figure needed.Follow up47 days overdue, 2 past the limit, and EUR 299 of interest against EUR 120.
How this was decided
  1. Invoice 2026-0455  EUR 22 100
  2. Due 24 June 2026, so 47 days overdue on 10 August 2026
  3. Day limit 45 days: reached
  4. Interest EUR 299 against the EUR 120 trigger: reached
  5. Result: Follow up. 47 days overdue, 2 past the limit, and EUR 299 of interest against EUR 120.
Ilvesvuori Logistiikka Oy2026-0488needs step 1EUR 11 000due 03 Jul38 days overdueinterest not worked out yet38 days overdueEUR 120 interest trigger EUR 120No answer yet7 days short of the 45-day limit. Whether interest has reached EUR 120 needs a rate first.Follow upwas No answer yet7 days short of the 45-day limit, but interest has reached EUR 120 of EUR 120.
How this was decided
  1. Invoice 2026-0488  EUR 11 000
  2. Due 03 July 2026, so 38 days overdue on 10 August 2026
  3. Day limit 45 days: not reached
  4. Interest EUR 120 against the EUR 120 trigger: reached
  5. Moved from No answer yet to Follow up once the rate was applied
  6. Result: Follow up. 7 days short of the 45-day limit, but interest has reached EUR 120 of EUR 120.
Saarikoski Teollisuus Oy2026-0401you marked this disputedEUR 6 200due 20 Jun51 days overdueinterest not worked out yet51 days overdueEUR 91 interest trigger EUR 120Needs a person51 days overdue and past the limit, but it is disputed, so a person decides this one.Needs a person51 days overdue and past the limit, but it is disputed, so a person decides this one.
How this was decided
  1. Invoice 2026-0401  EUR 6 200
  2. Due 20 June 2026, so 51 days overdue on 10 August 2026
  3. Day limit 45 days: reached
  4. Declared by you: you marked this disputed
  5. Interest EUR 91 against the EUR 120 trigger: reached
  6. Result: Needs a person. 51 days overdue and past the limit, but it is disputed, so a person decides this one.
Untamon Rakenne Oy2026-0433you agreed your own rate hereEUR 14 900due 12 Jul29 days overdueyou agreed your own rate here29 days overdueyou agreed your own rate hereNeeds a personYou agreed your own rate with this customer, so the official one does not apply.Needs a personYou agreed your own rate with this customer, so the official one does not apply.
How this was decided
  1. Invoice 2026-0433  EUR 14 900
  2. Due 12 July 2026, so 29 days overdue on 10 August 2026
  3. Day limit 45 days: not reached
  4. Declared by you: you agreed your own rate here
  5. No interest figure: an agreed rate replaces the official one
  6. Result: Needs a person. You agreed your own rate with this customer, so the official one does not apply.
Rantalan Konepaja Oy2026-0388needs step 1EUR 9 750due 29 Jun42 days overdueinterest not worked out yet42 days overdueEUR 118 interest trigger EUR 120No answer yet3 days short of the 45-day limit. Whether interest has reached EUR 120 needs a rate first.No action yetwas No answer yet3 days short of the 45-day limit and EUR 118 of the EUR 120. Neither has been reached.
How this was decided
  1. Invoice 2026-0388  EUR 9 750
  2. Due 29 June 2026, so 42 days overdue on 10 August 2026
  3. Day limit 45 days: not reached
  4. Interest EUR 118 against the EUR 120 trigger: not reached
  5. Moved from No answer yet to No action yet once the rate was applied
  6. Result: No action yet. 3 days short of the 45-day limit and EUR 118 of the EUR 120. Neither has been reached.

A bar appears only where interest is what decides. The upright line on it is the EUR 120 trigger. An invoice past 45 days is followed up on age alone, so it needs no interest figure and shows no bar. Rows marked you marked this disputed rest on something a person stated, not on anything the system worked out.

What this does not do

  • 2 of 6 invoices cannot be decided until the rate category is confirmed, and the system will not guess it.
  • 2 of 6 rest on something you declared. The system cannot discover a dispute or an agreed rate, only be told.
  • It decides nothing about a disputed invoice, in either direction.
  • It sends nothing. It decides what to chase; a person still does the chasing.
  • If the export cannot be read it shows you nothing at all, rather than the rows it managed to parse. A short list looks exactly like a quiet morning, and that is the one mistake worth refusing to make.
  • Every name and figure on this page is invented. No client data has been through this build, and no pilot has run.