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INV-2008

Northbrace Consulting

$1,200 outstanding, 24 days past due.

Arrearly

Account statement

By Wiqi Lee

Statement for

INV-2008

Generated Aug 26, 2026

Billed to

Northbrace Consulting

Ivan Petrov

ivan@example.com

Summary

INV-2008 for Northbrace Consulting is 24 days past due with $1,200 outstanding and a risk score of 36. The risk is contained, so the agent is chasing gently. Northbrace Consulting usually pays 11 days late and has a reliability score of 68. So far the agent has made 1 decision and sent 1 message. If recovered, the fee would be $96.

Invoice detail

Invoice numberINV-2008
Statusoverdue
Invoiced$1,200
Paid so far$0
Balance$1,200
IssuedJul 3, 2026
DueAug 2, 2026
Age24 days past due
Risk score36 / 100
Commission rate8%
Fee if recovered$96

Customer

Reliability score68 / 100
Usually pays11 days late
Customer for6 months
Messages exchanged1 sent, 1 received

Decision history (1)

DateActionOutcomeConf.Risk
Aug 8, 2026PressSent, no human9336

What every number here means

Risk score (0 to 100)

How likely a balance is to go unpaid without intervention. 0 to 29 is comfortable, 30 to 49 is worth watching, 50 to 69 is pressing, 70 to 84 is urgent, and 85 or above needs action now.

Reliability score (0 to 100)

How dependably a customer has paid before. 80 to 100 is strong, 60 to 79 is fair, 40 to 59 is shaky, and below 40 is poor. The agent opens warmer with reliable customers and firmer with the rest.

Confidence (0 to 100)

How sure the agent is that a decision is the right one. Below the autonomy threshold the message is drafted but held for a person rather than sent. Higher is surer.

Commission and fee

The commission rate is the agreed cut of whatever is recovered. The fee is that rate applied to this balance, so it is only earned if and when the invoice is actually paid.

Age and status

Age is days since the due date. Status moves from open to overdue, then to promised, partial, disputed, escalated, or paid as the account progresses.

PayPal transaction

Every payment settles through PayPal to the Heytugas.com account. Each row lists its date, the installment it covers, and the PayPal transaction id for reconciliation.

Generated by Arrearly, built by Wiqi Lee. This statement reflects INV-2008 for Northbrace Consulting as of Aug 26, 2026.

Agent

What should happen today?

PressSent · no humanvia email18 days ago

24 days past due with no reply. Naming the amount and inviting a plan gives an easy exit and makes another silence the harder option.

Confidence
93
Risk
36
Next review
Aug 25, 2026
Decided in
1,037ms

Decided by the offline policy engine. Add Gemini credentials to hand this over to the model.

Conversation

Everything said so far

Invoice follow-up · Northbrace Consulting

2 messages · with Ivan Petrov

PH
Peter, Heytugas<peter@heytugas.example.com>Aug 8, 2026, 9:30 AM

to Ivan Petrov

Ivan, INV-2008 for the company logo and brand guidelines is now 24 days past due at $1,200. I need a payment date this week. If timing is difficult, tell me and I will put a plan together instead.

IP
Ivan Petrov<ivan@example.com>Aug 9, 2026, 2:07 PM

to Peter

Hi Peter, apologies for the delay. Cash has been tight but the company logo and brand guidelines was worth it. Can I confirm a date by Friday?

Finance

Payments and prediction

Payment model?Payment modelA learned model that reads the account and estimates two things: the probability the balance is recovered, and how many days it will take. It runs locally on every view, and a heavier retrainable version runs in the Python service when connected. The bars show which features push the odds up (green) or down (red), so the number can always be taken apart.66-100%Likely to be paid (green)40-65%Uncertain, worth watching (amber)0-39%At risk without action (red)medium confidence

Probability of payment

68%

Predicted time to pay

24d

What drives it

Age-100%24 days past due
Engagement+94%Customer has replied
Reliability+68%Pays with a reliability score of 68
History-62%Usually pays 11 days late
Relationship+28%6-month relationship
Balance0%Modest balance outstanding
Promise0%No promise on file

Green pushes toward payment, red away from it, and the percentage is each feature's pull relative to the strongest one. The agent folds this into its reasoning as one input, never an instruction.

History

Decisions on this invoice

Decisions board
PressSent · no humanINV-2008Northbrace Consulting18 days ago

24 days past due with no reply. Naming the amount and inviting a plan gives an easy exit and makes another silence the harder option.

Confidence93Risk36via emailgemini-2.5-flash · 1,037msSimulated
INV-2008Overdue
Balance
$1,200
Invoiced
$1,200
Paid so far
$0
Issued
Jul 3, 2026
Due
Aug 2, 2026
Age
24 days past due
Our commission
8%
Fee if recovered
$96
Risk ?Risk scoreA 0-100 estimate of the chance this balance is never recovered if left alone. It blends how far past due the invoice is, how reliably the customer has paid before, how large the balance is, and how long the relationship has lasted.0-29Comfortable30-49Worth watching50-69Pressing70-84Urgent85-100Act now
36
Messages sent
1
Last contact
17 days ago
Next review
Aug 25, 2026

Customer

Northbrace Consulting

Ivan Petrov

ivan@example.com

Reliability ?Reliability scoreA 0-100 record of this customer's own payment history with you. The agent leans on this to decide how warm or how firm to open.80-100Strong, pays close to on time60-79Fair, a nudge usually does it40-59Shaky, takes a few rounds0-39Poor, expect to work for it
68
Usually pays
11 days late
Customer for
6 months
INV-2008 · Northbrace Consulting · Arrearly