For companies that deliver against invoice
Your customer goes bankrupt.You hear on the day it is published.
We watch your entire customer list in the Swiss Official Gazette of Commerce — not the single lookup — and report every bankruptcy with the published deadline, into the mailbox you already use (Outlook or Gmail). You give us the list, or it builds itself from your email correspondence.
Ask about the pilotPilot phase — no buy button, no subscription. We set your customer list up by hand, and you tell us whether it holds. Free during the pilot. Afterwards the automatic list from your mailbox is included in the Pro plan (CHF 25 per month) — how the hand-maintained list is packaged we will settle with the first pilot customers.
Why it is usually noticed too late
The existing tools have to be asked. Credit agency, commercial register portal, gazette search — all of them answer only once somebody asks. But nobody asks until the suspicion is already there. By then the goods have shipped and the deadline is running.
You keep delivering
Weeks pass between the preliminary bankruptcy notice and the moment word gets around. In that time goods go out that nobody will pay for.
The deadline runs without you
The call for claims names a date by which your claim must be filed. It is in the gazette — not in your inbox.
Nobody reads the gazette daily
It appears every working day with thousands of notices. Searching it by hand for your own customers is something nobody actually does — so nobody notices.
Three moments, two of them with a deadline
Figures for the last twelve months, counted in our own holdings on 14.08.2026.
Preliminary bankruptcy notice
15,961
in the past year
The earliest signal — it appears before the bankruptcy is formally published. Anyone who sees it stops shipping goods against invoice.
Call for claims
8,980
with a published deadline
This is the deadline by which your claim has to be filed. It is stated in the notice, and we show it as a date.
Schedule of claims
8,000
with a published deadline
This states whether and in what rank your claim was admitted — and by when that can be challenged.
1 in 32
That is how many Swiss companies were affected by a bankruptcy notice in the last twelve months — 16,080 in total. With a hundred customers on invoice that works out at roughly three a year. On top of that come 755 debt-restructuring moratoria.
The whole list, not the single lookup
Credit agencies are built around the single lookup: per company, per case, per report. So anyone with two hundred customers monitors none of them — it does not pay off, and nobody maintains two hundred lookups by hand.
We read the gazette in full every working day anyway. Your list simply comes along — whether it holds twenty names or two hundred makes no difference to our effort. That is why monitoring is possible here for a whole customer list, and not just for the one case you already have a bad feeling about.
How you set it up
Two steps. The second has two variants.
Step 1
Connect your mailbox — Gmail or Outlook
Once, with no software to install. That is where the morning brief arrives, and the notices about your customers are in it. Without this step there is no delivery path — we do not send notices to a mailbox we do not know.
Step 2 · where the customer list comes from
Variant A
You give us the list
An export from your accounting system is enough, or a list of your receivables. Fully controlled — and it also covers customers you never email at all.
Variant B · no list to maintain
The list builds itself from your email
Who you actually correspond with is already in the mailbox from step 1. From that we derive the companies to watch — freshly, every day. A new customer is included from the first exchange onwards, without anyone having to remember.
The two variants can be combined.
How variant B works — and where it deliberately stays silent
- Real correspondence only: a company is included once you have replied at least once — a newsletter in the inbox is not enough.
- Freemail addresses (gmail, bluewin, gmx …) do not identify a company and are skipped.
- If a domain cannot be resolved to at most three companies, nothing is watched at all rather than watched on suspicion — better one notice too few than a false alarm about the wrong company.
- Your email addresses do not leave our system. Only the domain and the company name resolved from it go into the monitoring.
What we do not promise
Where deadlines are concerned, false reassurance costs more than a missing notification. So here is what we cannot do — before the conversation, not after it.
- We watch what is PUBLISHED — not solvency. A customer may have been unable to pay long before anything appears in the gazette. This replaces neither a credit check nor your dunning process.
- Sole proprietorships not entered in the commercial register do not appear. Anyone buying from you as a private individual or as an unregistered sole proprietor will not show up in this monitoring.
- About half of all bankruptcy notices carry the deadline as a date. For the other half we show the wording as published — we never convert it, because the deadline shifts to the next working day and public holidays differ by canton.
- We do not advise. Every notice links the official publication, and that is what governs — what you do with it is for you or your lawyer to decide.
What is not there yet
coming
Customer list by CSV
Today we set your list up by hand — during the pilot that is the more honest approach anyway.
coming
A link to your accounting system
So the list maintains itself instead of being updated by hand. Not built yet.
We are looking for a few companies for the pilot
Write to us with how many customers you invoice and how large your largest open item is. We set the list up, and the next morning you see whether there is anything useful in it.
Ask about the pilotOr write directly to marc@protime.ai.
To pass on — the full scope on four pages: