Finance and banking
Credit control: know who owes what, before it becomes a loss.
Every day Holio reads the customer ledger, the payment history, the credit reports and the Norwegian business registers, and sets out who should be looked into, warned or blocked — with the reason on every line. You decide. No customer is blocked unless a person has approved it.
- Every source in one place
- Ledger, payments, credit reports and the business registers side by side.
- Rules you can read
- Every proposal says which rule fired and which figures it looked at.
- A person approves
- Blocks and higher credit limits go for approval — never straight into the ledger.
- Written back to Visma
- The limit and the block are set on the customer in Visma Business NXT once approved.
What a credit manager used to fetch from five places
The ledger lives in accounting, the payment pattern in the transactions, the risk at the credit bureau and the bankruptcy in the business register. Holio puts it together per customer, so the decision is made on the whole picture.
The ledger
Outstanding, overdue, age of the oldest item, reminders sent and whether the item is with collection — read from the customer ledger in Visma Business NXT.
Payment history
How much the customer pays on time, how many days late it pays otherwise, and when the last payment came in.
Credit reports
Rating, events and a recommended credit limit from the credit bureau, monitored across your whole customer base.
The business registers
Bankruptcy, liquidation, compulsory dissolution and deleted companies. The register is checked again, live, before a single customer is blocked or reopened.
Holio's own risk score
One score per customer, worked out from all of the above, so you can sort your customers by risk instead of by name.
One thread per customer
Notices, replies, payment promises, agreements and blocks in one thread — what the next person needs to know is there.
Holio proposes and explains. A person decides, and Holio writes it in.
How it works, every day
From the ledger updating to the case being closed.
The figures come in
The ledger, the transactions, the credit reports and the registers are mirrored into Holio. Credit control reads the copy, so it puts no load on the accounting system.
The rules run through every customer
The fixed safeguards come first: an exempt customer, a customer who owes nothing and a customer already blocked are never proposed for blocking. Then the rules run in a fixed order, and the first one that fires gives the proposal.
The proposal reaches the right person
The case sits in the queue on the credit-control page, and whoever approves gets it in Holio Chat and as a notification on their phone — with the figures, the rule and the history on one card.
A person approves, rejects or postpones
An approved block is written as a block on the customer in the ledger. A rejection or a postponement stays in the history with who and why.
The customer is notified
A payment reminder, a block warning with a deadline, word that the account is blocked or reopened — sent by email with the invoices attached, from the case.
The customer pays, and the account reopens
When nothing is overdue any more, a payment has been seen and the register shows an active company, Holio can reopen the customer by itself. Nobody has to remember to.
| The proposal | When Holio reaches it | What happens next |
|---|---|---|
| Block | The registers show bankruptcy or liquidation with money owed, the bureau advises against credit and something is overdue, or old debt sits with no collection case | A case with its reasons goes for approval. The customer is blocked in the ledger when a person approves |
| Investigate | The customer is over the credit limit, or has overdue items with no reminder and no collection case | The customer lands in the queue with the figures and the history, so someone can call or send a notice |
| Escalate | The customer is already blocked, but the debt is growing or not moving | The case goes up to whoever owns the customer relationship |
| Keep | Nothing is overdue, or everything is within what you have set | Nothing. The customer leaves the queue |
The rules are yours, and they are readable
The thresholds for overdue amount, number of days, the warning before the limit and how old an item must be before a block is proposed are set per company. You can add rules of your own, and an exemption list for customers who should never be proposed for blocking.
Every proposal shows which rule fired and which figures it looked at. When a customer asks why their account is blocked, the answer is a line in the case — not a gut feeling.
Credit limits that follow the payments
Holio proposes a credit limit for each customer, starting from the bureau's recommendation and the customer's own payment history. Limits step up as the customer pays on time, on a ladder you set.
The proposal is never written by itself. A limit above what the case handler can grant goes as a request to someone who can approve it — and whoever asked cannot approve their own.
“Warn and block in five days”
Often the right move is not to block today but to give the customer a deadline. Pick the number of days, the warning goes out with the deadline, and the customer is blocked the morning after if nothing has been paid.
If the warning did not arrive, or money has come in that is not matched yet, Holio does not block — the case comes back to you instead. Payment promises and instalment agreements are recorded on the customer and sit in the same thread.
AI that explains, not AI that blocks
The proposals come from fixed rules, not from a language model. AI in Holio is used where it makes the work easier: an assessment of the customer when you ask for one, next to the rules' answer; a rule written in plain words turned into a rule Holio can run — saved switched off until you have read it; and instalment agreements found in customer cases, set out as suggestions.
No model blocks a customer or sets a credit limit.
Where you already work
Credit control has its own page in Holio, with the queue, the customers to block or reopen, the watchlist, the agreements, the notices and the settings. Approvals arrive in Holio Chat, with the card and the buttons in the conversation, and as a notification on your phone.
Every week a summary comes in with credit status, limit use, collection and blocked customers.
What people ask first
Does Holio block customers by itself?
No. Holio proposes a block and puts the case up for approval. The block is set in the ledger when a person has approved it — or when a deadline a person set has passed without payment.
Does Holio send reminders automatically?
Notices go out from the case when you press send. The reminders your accounting system already sends are read in and taken into account.
Does Holio start debt collection?
No. Holio sees which items are with collection and takes that into account in the proposal and in the notices, but you hand cases over as before.
Where do the credit reports come from?
From the credit bureau you have an agreement with, plus the Norwegian business registers and your own ledger. Holio works out the risk score itself.
Do we have to change accounting systems?
No. Credit control reads the customer ledger in Visma Business NXT and writes the limit and the block back there. It stays the source of truth.
See credit control on your own ledger
We walk through the queue, the rules and an approval in Holio Chat with you. 45–60 minutes, at no cost.