AI skill · Volume 2 · Workflow K7
How late does a key TIC account pay, and what are you exposed to?
It reports days beyond terms month by month, and the exposure carried for the account and each related entity. It does not explain the behaviour or score the customer.
It is workflow K7 of the twelve in AI for Key Account Management, sold on its own as one AI skill file (.zip) with a two-page start-here guide. Everything it writes is a draft for a person to check.
What you give it, and what comes back.
You attach: your ledger and billing extracts, and the list of related sites, subsidiaries and trading names.
You get back: Days beyond terms month by month, and the exposure carried for the account and each related entity.
It does not: explain the behaviour or score the customer.
Your ledger and billing extracts, the list of related sites, subsidiaries and trading names, and your current insurer limit with any change to it, if the business carries cover.
One run, start to finish
What it looks like when you use it.
Run in Claude (Opus 5, high effort), in our own Claude account with the skill installed on 20 September 2026. The account, its entities and every figure are invented for this example, and the run is shown as it came back, unedited. We checked its arithmetic and it is right. Your assistant's wording will differ: AI answers change between assistants and between runs.
input · what was given to the skill
The account, invented. ApplianceExample Group, with a parent, two subsidiaries and a trading name, "AE Home", used on two purchase orders. Ledger extract over twelve months: the parent pays 30 to 38 days against 30-day terms with EUR 22,000 outstanding; Kitchen BV pays 45 to 72 days with EUR 41,000 outstanding, of which EUR 12,000 is over 90 days; Asia Sdn Bhd pays on time with EUR 6,000 outstanding; AE Home has two unpaid purchase orders worth EUR 9,000 raised four months ago. The insurer limit for the group is EUR 60,000, reduced from EUR 90,000 in June.
output · what came back
Human approval required for anything that follows from this. Nothing here changes terms, holds an order or alters a limit.
This report says what changed and when. It does not say why, and you should not let anyone add a reason to it. The reason comes from a phone call.
what to notice
The second paragraph is the whole discipline: it reports what changed and when, refuses to say why, and tells you not to let anyone add a reason. The three events are listed in date order and explicitly not linked.
It would not allocate the EUR 9,000 trading name to the group, because nothing in the ledger shows which legal entity stands behind it, and a confident wrong number is worse than a gap. Then the natural persons check: if that trading name turns out to be a sole trader or rests on a personal guarantee, the run says stop, because this is no longer a company's creditworthiness. The arithmetic is right — EUR 69,000 against a EUR 60,000 limit, over by EUR 9,000 — and we checked it.
The skill, or the report?
This workflow is not sold on its own. It comes with AI for Key Account Management, which sets out the method and the evidence for all twelve of its workflows, and every licence includes all twelve as ready-made skill files at no extra cost.