Your receivables, analysed
File: ar-01-clean.csv · Format: CSV · Run: 2026-10-22 12:00:00 UTC
Parsed cleanly — 20 rows, 14 customers detected.
Parse confidence: High
AR summary (computed from your file)
| Currency | Invoiced | Paid | Outstanding |
|---|
| MYR | 156,847.00 | 20,200.00 | 136,647.00 |
Rows: 20 · Customers: 14 · Unpaid: 15 · Partially Paid: 3 · Paid: 2
All figures are computed from your file — information, not financial advice.
Ageing chart (outstanding balance)
MYR
Current16,090.00
1–3018,106.00
31–6029,125.50
61–9044,525.50
90+28,800.00
| Ccy | Current | 1–30 | 31–60 | 61–90 | 90+ | Total open |
|---|
| MYR | 16,090.00 | 18,106.00 | 29,125.50 | 44,525.50 | 28,800.00 | 136,647.00 |
Overdue: 88.23% of open balance · 15 overdue invoice(s) · weighted avg 66 days past due · est. DSO 112 days approx
Oldest debt: Cempaka Services INV-1003 — 103 days past due (15,200.00 MYR)
Debtor concentration (who owes you most)
MYR — 13 debtor(s) · top 3 = 48.70%
| Debtor | Open | Invoices | Oldest | Share |
|---|
| 1 | Irra Construction partial plan | 30,550.00 | 2 | 88d | 22.36% |
| 2 | Acme Sdn Bhd | 20,800.00 | 2 | 51d | 15.22% |
| 3 | Cempaka Services | 15,200.00 | 1 | 103d | 11.12% |
| 4 | Nusa Textiles | 13,600.00 | 1 | 95d | 9.95% |
| 5 | Kinta Supplies | 11,105.00 | 2 | 63d | 8.13% |
The chase list top 10 · ranked by amount × days overdue
| Debtor | Invoice | Due | Days late | Balance | Flags |
|---|
| 1 | Irra Construction | INV-1008 | 2026-07-25 | 88 | 22,750.00 MYR | |
| 2 | Cempaka Services | INV-1003 | 2026-07-10 | 103 | 15,200.00 MYR | |
| 3 | Nusa Textiles | INV-1015 | 2026-07-18 | 95 | 13,600.00 MYR | |
| 4 | Gulati Motors | INV-1006 | 2026-07-31 | 82 | 9,400.00 MYR | |
| 5 | Acme Sdn Bhd | INV-1001 | 2026-08-31 | 51 | 12,500.00 MYR | |
| 6 | Kinta Supplies | INV-1010 | 2026-08-19 | 63 | 7,625.00 MYR | |
| 7 | Bintang Trading | INV-1002 | 2026-08-14 | 68 | 4,750.50 MYR | |
| 8 | Irra Construction | INV-1013 | 2026-09-13 | 38 | 7,800.00 MYR | partial plan |
| 9 | Orient Auto Parts | INV-1016 | 2026-09-19 | 32 | 6,125.50 MYR | |
| 10 | Acme Sdn Bhd | INV-1017 | 2026-10-05 | 16 | 8,300.00 MYR | |
Top 10 of 15 overdue invoices — ranked by amount × days overdue. The rest stay in your file.
Columns detected
Customer Invoice No Invoice Date Due Date Amount Amount Paid Balance Due Currency Status Salesperson PO Ref Notes
Reminder drafts review before sending ✓ verified against your file
Drafts only — nothing is sent automatically. Copy, edit, send.
Irra Construction — INV-1008 · 22,750.00 MYR · 83 days late
Hello Irra Construction, I hope you are well. Invoice INV-1008, due 31 Jul 2026, is now 83 days past due. The balance is MYR 22,750. Could you arrange payment this week, or let us know if something is wrong? A quick reply would be appreciated. Thank you.
Cempaka Services — INV-1003 · 15,200.00 MYR · 104 days late
Hello Cempaka Services, I hope all is well. Invoice INV-1003, due 10 Jul 2026, is now 104 days past due. The balance is MYR 15,200. Could you arrange payment soon, or tell us if there is an issue we should know about? Thank you for your time.
Nusa Textiles — INV-1015 · 13,600.00 MYR · 96 days late
Hello Nusa Textiles, I hope you are having a good week. Invoice INV-1015, due 18 Jul 2026, is now 96 days past due. The balance is MYR 13,600. Please arrange payment this week, or reply if something is holding it up. Thank you.
In plain English ✓ verified against your file
Sample narrative: you have MYR 136,647 open across 18 invoices, and 88.23% of that (MYR 120,557) is already overdue. Your oldest debt is Cempaka Services invoice INV-1003, 104 days past due at MYR 15,200. Cash takes about 113 days to come back after you invoice — this ties up money you could be using to run the business.
Risks to watch
- Concentration: your top 3 customers hold 48.7% of open debt — if one stalls, cash flow takes a big hit.
- Oldest debts: Cempaka Services INV-1003 (104 days) and Nusa Textiles INV-1015 (96 days) are close to the 90+ bucket, where recovery gets harder.
- Ageing: MYR 44,525.50 sits in the 61-90 day bucket and MYR 28,800 in the 90+ bucket — old money that may need escalation.
Top 3 actions this week
- Call Irra Construction today about INV-1008 (MYR 22,750, 89 days overdue) — it is your largest single chase item.
- Email Cempaka Services about INV-1003 (MYR 15,200, 104 days overdue) — the oldest debt on the book.
- Send Nusa Textiles a payment reminder for INV-1015 (MYR 13,600, 96 days overdue) before it crosses the 90+ bucket.
What just ran on your file
- Ageing chart + buckets (current / 30 / 60 / 90+ days overdue)
- Debtor concentration — who owes you most, and how exposed you are
- The chase list (top 10) ranked by amount × days overdue
- Ready-to-send reminder drafts for your top debtors (you approve before anything is sent)
- Top 3 recommended actions this week
- Verification — every AI-written figure, invoice number and name checked against your file
All of the above ran live on your file. The paid version runs them on a schedule and delivers the report by email.
How these numbers were produced
Every figure above was computed programmatically from your uploaded file — no number was
generated or guessed by AI. The plain-English summary narrates those same figures and the
reminder drafts use only the invoice facts in your file — neither ever invents numbers.
Every figure, invoice number and name the AI wrote is checked against your file before
display; anything that cannot be matched is removed, never shown.
Figures are computed, not advice.
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