---
title: "Blog / Insights | ALMERA"
description: "ALMERA insights on credit sales, trade receivables, credit risk, collection and working capital management, informed by practical experience."
url: "https://almerakredirisk.com/en/insights/"
language: "en"
updated: "2026-10-20 10:34:27"
---

BLOG / INSIGHTS

# Insights and perspectives on trade receivables management

Short analyses on credit sales, credit risk, collection, collateral and working capital management, drawn from hands-on experience.

CATEGORIES
9 areas

[FEATURED RECEIVABLES AND WORKING CAPITAL 24 September 2026 · 9 min read ## Open-Account Build-Up: When a Company Unknowingly Becomes Its Customer’s Bank Open-account balances that keep rolling over and never close can, over time, become part of the customer’s working capital. Making this build-up visible is the first step in protecting cash flow. Read the analysis](https://almerakredirisk.com/en/insights/open-account-build-up/)

- [RISK AND PROFITABILITY ### Is the Customer Who Buys the Most Also the One Who Earns You the Most? High turnover can mislead when long terms, discounts, financing cost and credit risk are not taken into account. A few core indicators for reading each customer’s real economic contribution. 17 September 2026 8 min read](https://almerakredirisk.com/en/insights/biggest-buyer-vs-most-profitable-customer/)
- [CREDIT LIMITS ### Limit Overruns: A Temporary Exception or a Second Limit? Seasonality or temporary commercial needs may require a limit overrun. To keep it manageable, the amount, reason, duration, authority and conditions for returning within the limit must be defined. 10 September 2026 8 min read](https://almerakredirisk.com/en/insights/limit-overruns/)
- [EARLY WARNING ### Is Paying on Time Proof of Financial Health? Regular payment is a positive sign, but not the only indicator of future ability to pay. Early warning systems make this difference visible. 3 September 2026 8 min read](https://almerakredirisk.com/en/insights/paying-on-time/)
- [CUSTOMER ASSESSMENT ### Growth Beyond Financial Capacity: Assessing a Fast-Growing Customer Fast growth is not always healthy growth. Growth out of step with financial capacity and working capital can make a business partnership fragile. 27 August 2026 7 min read](https://almerakredirisk.com/en/insights/growth-beyond-financial-capacity/)
- [COLLATERAL MANAGEMENT ### The Difference Between Taking Collateral and Managing It Nominal value and real protection are not the same thing. Collateral becomes meaningful when its legal validity, up-to-date valuation and convertibility into cash are monitored regularly. 20 August 2026 7 min read](https://almerakredirisk.com/en/insights/taking-vs-managing-collateral/)
- [COLLECTION MANAGEMENT ### Collection Starts with the Invoice, Not the Due Date Collection is not just asking a customer for an overdue receivable. It is an end-to-end cash management process that starts the moment an invoice is issued. 13 August 2026 8 min read](https://almerakredirisk.com/en/insights/collection-starts-with-the-invoice/)
- [PROBLEM RECEIVABLES ### Does Restructuring Reduce Risk, or Just Postpone It? Good restructuring reduces risk over time. For that, the process should start from the customer’s total debt picture and a sustainable repayment source. 6 August 2026 7 min read](https://almerakredirisk.com/en/insights/does-restructuring-reduce-risk/)
- [LEGAL ENFORCEMENT AND RECOVERY ### An Old Receivable Doesn’t Have to Be a Forgotten One Files that have produced no result for a long time can become recoverable again when conditions change. And every closed file is a learning source for future credit decisions. 30 July 2026 7 min read](https://almerakredirisk.com/en/insights/old-receivables/)