Overview: Why Ageing Matters
📌 TL;DR - Ageing of Debtors / Creditors Certificate Services at a Glance
An ageing certificate sorts your receivables and payables into time buckets - 0-30, 31-60, 61-90, and over 90 days - and flags overdue and doubtful balances. Acquirers and lenders use it to judge how quickly you collect, how disciplined your payables are, and how much of your book debt is actually realisable.
Get a CA-certified ageing analysis of your receivables and payables - the document acquirers, investors, and lenders rely on to judge the quality of your debtors and the discipline of your payables. We sort your outstanding balances into ageing buckets, flag overdue and doubtful amounts, and certify the analysis with a verifiable UDIN, so it stands up in due diligence and credit appraisal.
Totals alone tell a banker or buyer very little - the ageing tells the story. A receivables book concentrated in the over-90-day bucket signals collection risk and possible bad debts; clean, current ageing signals strong cash conversion. The same analysis on creditors shows payment discipline. Debtor ageing also feeds directly into a stock statement and the CMA data used for working-capital limits, and pairs with the annual statutory audit.
| Bucket | Debtors (Receivables) | Creditors (Payables) |
|---|---|---|
| 0 to 30 days | Current, low risk | Within terms |
| 31 to 60 days | Watch | Approaching due |
| 61 to 90 days | Overdue, follow up | Overdue |
| Over 90 days | High risk, possibly doubtful | Long outstanding |
Standard ageing buckets and what each signals.
Content is reviewed quarterly for accuracy.