Calculate your live-signal-weighted bad-debt reserve.

Inputs

Your customer book

Sum of outstanding receivables + available credit limits across your customer book.

Optional. If supplied, we'll compare it to the live-signal-weighted optimal.

Average customer-risk profile

• Mostly low risk

  Customers mostly score 70+ on a 0-100 credit scale.

• Mixed

  Spread across risk bands — typical UK B2B customer book.

• Mostly elevated risk

  Customers mostly score 35-50 — late-payment-prone segments.

• High risk concentration

  Most customers below 35 — distressed-sector or new entrants.

Sector concentration

• Diversified

  5+ sectors, no single sector above 25% of exposure.

• Some concentration

  1-2 sectors hold more than 25% of total book exposure.

• Heavily concentrated

  One sector holds 50%+ of book exposure — sector-stress is correlated.