Monitoring Radar: When Your Customer Files for Bankruptcy — and You're the Last to Know

Imagine this scenario: your company has CHF 80,000 in open invoices with a long-term customer. Four weeks later you happen to read in the local paper that this customer filed for bankruptcy — ten days ago. File a creditor claim? Too late, the deadline has long passed.

Stories like this happen in Swiss SMEs every month. The damage is usually preventable, because the information was publicly available — nobody just bothered to read it.

That's exactly what Monitoring Radar solves.

The problem: nobody reads 60 SHAB publications per day

The Swiss Official Gazette of Commerce (SHAB) publishes dozens of entries every workday — bankruptcies, liquidations, dissolutions, management changes, location moves, mergers. For every Swiss company, the changes are publicly available.

In theory, SMEs could read this daily. In practice, nobody does. Three typical scenarios we see in Swiss SMEs:

Scenario 1 — receivables loss from missed bankruptcy proceedings

An IT services provider has a long-term customer with monthly maintenance fees. The customer runs into trouble, opens bankruptcy proceedings, all four open invoices are lost — because nobody saw the bankruptcy notice in SHAB.

Scenario 2 — missed sales opportunity at management change

At an existing customer, the CEO changes. The first 90 days are the critical phase when a new CEO reviews supplier relationships and signs new contracts. If you don't know, you're swapped out three months later — without a chance to react.

Scenario 3 — relocation without response

An existing customer relocates to another canton. For suppliers and service providers, this can change delivery terms, tax situation, even contract terms. If you don't hear about it, tough luck.

Solution: Monitoring Radar watches your customer base daily

Monitoring Radar is a simple promise: upload your customer list — we alert you to every relevant commercial register event.

How matching works

You upload your customer list as CSV or sync via API. We match primarily via the Swiss UID (business identification number) — stable and unique. Additionally we run normalized name matching that detects spelling variants and renamings: "Müller GmbH" finds "Müller GmbH (in Liquidation)" or "Müller AG" after a legal form change.

37 event types — 11 risk + 11 opportunity + 15 additional configurable mutations

We monitor the full SHAB spectrum, categorized into three groups:

Risk signals (receivables protection):
Bankruptcy · Bankruptcy proceedings · Dissolution · Liquidation · Deletion · Capital reduction · Demerger · Asset transfer · Court decision · Composition agreement · Composition moratorium

Opportunity signals (sales triggers):
Leadership changes · Business purpose changes · Capital increases · Registered office and address changes · Mergers · Legal form changes · Name changes · Liquidation reversal · Re-registration · Branch openings · Statute changes

Additional configurable mutations:
UID changes · Capital band · Denomination · Nominal value changes · Paid-in capital · and more — 15 additional types in total.

For each event type you configure individually whether and how you want to be alerted.

Three notification channels in parallel

• Platform task — automatic assignment to a team member, with deadline and status tracking
• Email — to one or more recipients, with all details from the SHAB publication
• Webhook / API — directly into your CRM, Slack, Microsoft Teams, n8n — whatever you use

3 real-world use cases

Use case 1 — fiduciary firm protects against bad debt

A trust office with 350 customers uploads its customer list to Monitoring Radar. Configuration: all 11 risk signals active, immediate email to accounting. In the first six months: two bankruptcy proceedings detected early, both creditor claims filed in time — losses substantially reduced.

Use case 2 — IT provider acts on management changes

A Swiss IT services provider monitors 80 customers specifically for management changes. Every new CEO/CFO automatically creates a task for the account manager: "Initiate intro meeting within 14 days." Result: account churn from CEO changes cut in half.

Use case 3 — insurance broker spots capital increases

An insurance broker configures webhooks for capital increases above CHF 1M — flagged in their CRM as "cross-sell opportunity." Reasoning: higher capital means higher values to insure.

What Monitoring Radar is not

Monitoring Radar is not a credit-rating service and not a creditworthiness score. We make no predictions — we report facts from the public commercial register, on the same day they're published. Clean, simple mechanics.

Bottom line: what's public, you should know

If SHAB declares your customer insolvent, that shouldn't reach you weeks later via the local paper. If an existing customer gets a new CEO, that shouldn't be left to the LinkedIn algorithm. Monitoring Radar turns the 37 public event types into a daily, filtered, assignable workflow.

Request a demo? Open Monitoring Radar or no-obligation consultation.

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