A debtor and asset intelligence report answers one question for a creditor weighing whether to pursue a foreign counterparty: is there a debtor, and is there anything behind it worth pursuing. We compile corporate status, financial indicators and enforcement history before any recovery mandate begins, so the decision to proceed rests on facts rather than hope.
Each report is built around one recovery decision, not around the volume of pages it produces. Before any search begins, the request form fixes the debtor's name, the underlying claim and the jurisdictions where the debtor is known to trade or hold value. The finished report answers against that specific debtor, and includes:
The recommendation is the point of the exercise. A debtor with no visible assets and no filing history receives the same clear answer as a debtor sitting on registered property: proceed, or do not proceed on the current facts.
The report has limits, and stating them plainly is part of what a client pays for.
Clients who need a debtor located, watched or approached directly are asking for a different kind of work. This report is a paper position, built from records that already exist.
Findings are drawn from legal research and corporate intelligence from public and licensed sources: company and land registries, insolvency gazettes, court dockets open to public inspection, tax and customs filings where they are published, and licensed commercial databases covering the jurisdiction concerned. Where a corporate registry search alone answers the client's question, nothing beyond it is commissioned or billed.
Coverage varies by country. Some registries publish filed accounts and beneficial structure in full; others publish only a company's existence and its directors. The report states which sources answered the question and which did not, rather than filling a gap with an estimate.
The engagement opens with a request form describing the debtor, the underlying claim and the jurisdictions in which the debtor is known to operate or hold assets. A short scoping call confirms which registers apply, flags any source that will not answer the question, and sets a delivery window before any search begins.
Work on the ground is carried out by admitted lawyers and licensed providers in the jurisdiction concerned, never by SOLUTIO directly. Findings are consolidated into a single report, checked internally for consistency with the underlying claim, and delivered with the recommendation described above and the sources behind each finding.
The client then decides, without obligation, whether to move toward a letter before action, a different recovery route, or to close the file on the strength of what the report shows. Nothing in the engagement commits the client to a further step.
The fee for the report is agreed before work starts and covers the scope described above in full; no additional charge is added once the search is underway. The fee basis for any later work is agreed separately and before instruction, consistent with how every SOLUTIO mandate is structured.
The crediting mechanic is straightforward. If the client instructs SOLUTIO on a recovery mandate connected to the same debtor within an agreed window after delivery, the report fee is offset against the fee for that mandate. Outside that window, or against a different debtor, the report stands as a complete and separate piece of work. This mirrors the wider position at SOLUTIO: assessment comes first, and the fee already spent on assessment is not lost if recovery follows.
A commercial credit report scores a company in the abstract, without reference to a specific claim. This report is built around one debtor and one claim, cross-checks corporate filings against enforcement records, and closes with a plain recommendation on whether recovery is worth pursuing against that counterparty.
Turnaround depends on how many jurisdictions and registers the debtor's profile requires, and on how much of that material each register publishes. The scoping call sets a firm delivery window before any work begins, so the client knows the date in advance rather than waiting for an open-ended search.
The report is built as a decision tool, not as a certified evidentiary document. Where a finding needs to stand as evidence in a claim or an enforcement application, we identify the underlying record and the route to obtain it in certified form separately.
An unpaid invoice against a foreign buyer does not improve with time. While the shipment sits recorded on one side of the ledger and no payment on the other, the debtor's position can change through ordinary trading, a transfer of assets, or a competing claim filed first. A report commissioned now fixes what that position looked like before any of that happens.