Founding partners Now accepting applications · up to three places

Your automation is working.But is your strategy?

Automation executes your collection process. It doesn't tell you whether that process is optimal. BIX investigates which Accounts Receivable and Collections decisions could work better — and what that is worth. We start with a free, expert-led assessment for founding design partners.

Better decisions. More value.

Discuss your collections strategy — 20 minutes Apply as a Founding Design Partner

Or explore the Opportunity Simulator ↓ Ranges, not promises.

Now accepting founding design partner applications Long-term vision: continuous decision optimisation software

Fictional sample BIX · Opportunity Report Northbridge Components (fictional) Accounts Receivable & Collections · €180M credit sales · DSO 58 days DSO opportunity1.2–5.0 d Working capital€0.6–2.5M Proven so farNone yet Prioritised hypotheses AEarlier first contact, mid-size accounts BResolve disputes before reminder 2 BPrioritise calls by value and history Next: 12-week controlled pilot of H1 + H2 See the sample report ↓

The hidden cost of automation

Automating an inefficient strategy only makes inefficiency faster.

Automation made collections faster and more consistent. But the rules it executes — when to remind, whom to call, when to escalate — were set once and rarely tested. The real question is what a better strategy would deliver.

Historical fact

Before Automation

60 days DSO

Manual decisions, inconsistent execution. Measured in your own records.

Measured today

Current Automation

52 days DSO

Configured rules, executed faster. Your baseline — but the strategy itself is untested.

Hypothesis · to be validated

BIX Optimised

45? days DSO

What a better strategy might deliver. Unknown until it is tested against your data — that is what BIX is designed to do.

Solid: facts you can measure Dashed: a hypothesis, not a result Example figures match the simulator defaults and are illustrative.

Automation platforms

BIX

Execute the workflows you configure

Questions whether those workflows are the right ones

Report whether the process is running

Estimates what alternative strategies could be worth

Change when someone reconfigures them

Proposes controlled changes and measures the result

Founding Design Partner Program

What founding partners receive.

An expert-led assessment of your collections decisions, supported by our analytical tools. Up to three organisations; no assessment fee and no obligation to buy future BIX software.

Collections Performance Baseline

DSO, payment behaviour, ageing, customer segments and how your current process actually runs — including what the data can and cannot support.

Decision Opportunity Map

Where reminder timing, segmentation, prioritisation, escalation, exceptions and collector workload may be holding back cash.

Financial Opportunity Scenarios

Transparent ranges for DSO, working capital, financing cost and — where data allows — effort, bad debt and disputes.

BIX Opportunity Report

A management report with graded evidence, prioritised hypotheses and a proposed controlled pilot to validate them.

Places: Up to 3
Assessment fee: None
Analysis (estimate): 2–3 weeks
Overall (estimate): 4–7 weeks
Your team's time: About 6–10 hours
Integration needed: None — CSV/XLSX exports

Discuss your collections strategy — 20 minutes Read the program details

Sample Opportunity Report

See what you would receive — before you apply.

An excerpt of the management report, using an invented company. Every finding states whether it is an observed fact, a hypothesis, a scenario assumption or a validated outcome.

Fictional sample Invented company and invented data — shows the report format only. Not a result, benchmark or expected outcome.

Opportunity Report Sample · Confidential format

Northbridge Components (fictional)

Decision Opportunity Assessment · Accounts Receivable & Collections

Annual credit sales: €180M
Reported DSO: 58 days
Financing cost: 6%
History analysed: 24 months

1Executive summary

Three testable decision changes could reduce DSO by 1.2–5.0 days (central 3.0). None is proven. We recommend a 12-week controlled pilot of H1 and H2.

Scenario

Combined DSO opportunity

1.2–5.0 days

Central 3.0 · overlap discounted

Scenario

Working capital, one-time

€0.6–2.5M

Central €1.48M

Scenario

Financing benefit a year

€36–148k

At 6%, before costs

Hypotheses

Evidence grades

ABBC

4 hypotheses ranked

Validated outcome

Proven so far

None yet

Requires the pilot

2Baseline performance

Observed fact Where the 58 days of DSO come from:

37 agreed terms

17 paid late

Agreed terms (weighted)Paid after due dateLate on disputed invoices

Ageing of open receivables

Not yet due	64%
1–30 days overdue	22%
31–60 days overdue	8%
61–90 days overdue	3%
Over 90 days	3%

Observations

Late payment concentrates in mid-size accounts (€50k–€500k a year).
First contact happens on average 10 days after the due date.
Reminders continued during 71% of open disputes.
Computed DSO reconciles within 0.5 days of finance's figure.

3Decision opportunity map

Reminder timing

H1 · Grade A

Dispute handling

H2 · Grade B

Collection prioritisation

H3 · Grade B

Payment terms

H4 · Grade C · to test

Reminder channel

No measurable difference

Escalation strategy

Insufficient data

Collector workload

Constraint: +0.4 FTE for H1

Customer experience

Guardrail in pilot

OpportunityHypothesis to testNo effect foundData gapConstraint / guardrail

4Prioritised hypotheses and financial ranges

HypothesisGradeDSO effect, days (low · central · high)Working capitalFinancing / yr

H1 First contact for mid-size accounts at due date +1 instead of +10Evidence: a 2025 rule change in one region

0.8 · 1.5 · 2.5

€395k–€1,233k

€24k–€74k

H2 Pause reminders and route disputes to resolution before reminder level 2Evidence: matched comparison of disputed vs undisputed invoices

0.5 · 1.2 · 2.0

€247k–€986k

€15k–€59k

H3 Rank collector calls by value and payment history instead of invoice ageEvidence: adjusted comparison; short action log

0.3 · 1.0 · 2.0

€148k–€986k

€9k–€59k

H4 Review terms for 40 chronically late customersEvidence: descriptive pattern only; commercial decision

Not quantified

—

Scale 0–3 days. Euros use the simulator formulas: €180M ÷ 365 = €493,151 per DSO day; financing benefit = working capital × 6%. Ranges overlap and are not additive.

5Uncertainty and data limitations

Correlation is not causation. H2 and H3 rest on adjusted comparisons; unobserved differences between accounts may bias them.
Short history. The action log starts in March 2025, which limits H3 and prevents any finding on escalation.
Data quality. 6% of payments could not be linked to an invoice and were excluded.
Trade-offs. H1 adds an estimated 0.4 collector FTE of contact volume; H2 needs a dispute owner.

6Recommended validation experiment

Test

H1 + H2 together

Design

~1,400 mid-size accounts, randomised 50/50 by customer

Duration

12 weeks (about two payment cycles)

Primary metric

Days past due at payment

Guardrails

Dispute rate, complaints, collector hours

Decision rule

Adopt if central effect ≥ 1 day and the 90% interval excludes zero

View the full sample report Discuss your collections strategy — 20 minutes

Opportunity Simulator

What would a better strategy be worth to you?

Explore specific collection decisions — reminder timing, collector prioritisation and dispute handling — or use the simple DSO calculator. The arithmetic is exact; every improvement is your own, editable assumption.

Your baselineCredit sales and current DSO — facts from your own records.
Your assumptionThe DSO improvement you want to explore — a hypothesis, not a prediction.
The consequenceWorking capital and financing impact, calculated transparently.

The interactive simulator requires JavaScript. With €20,000,000 in annual credit sales, a 7-day DSO reduction (52 → 45 days) releases about €383,562 in working capital and, at 8% financing cost, about €30,685 per year — €153,425 over five years, before costs. Illustrative only.

From assumption to evidence

Is that improvement achievable? Here is how BIX would find out.

You assumed a 7-day reduction — from 52 to 45 days, 13% of your current DSO.

The simulator cannot tell you whether this is realistic. Answering that requires your operational data and the investigation below.

01Confirm the baseline
Rebuild DSO from invoice and payment history, by segment, to establish the true starting point.
02Locate the lost days
Find where days accumulate — before first contact, in disputes, in particular customer groups.
03Test alternative decisions
Model different timing, prioritisation and escalation rules against historical payment behaviour to estimate a realistic range.
04Validate in practice
Introduce a controlled change and measure actual results against a comparison group before scaling.

Look beyond correlations

Past collection decisions were not random. A credible analysis accounts for selection bias and uncertainty before claiming cause and effect.

Make trade-offs visible

Faster cash can cost collector time or customer goodwill. A better strategy shows what it gains and what it gives up.

Measure real change

Start from hypotheses and validate them with suitable analysis and, where feasible, controlled tests.

Each hypothesis receives an evidence grade (A, B or C). The intended outcome is a range of achievable improvement, with stated assumptions — not a single promised number.

The calculation is simple. The real opportunity is discovering why.

Talk it through with us: which of these decisions matter in your organisation, and what it would take to test them. Your scenario can be attached to your request below.

Discuss your collections strategy — 20 minutes

How BIX is different

Traditional BI shows what happened. BIX investigates what could work better.

BIX complements your AR software, BI team and advisers rather than replacing them. Each can do valuable analysis; BIX is built specifically around independent, decision-focused investigation, transparent evidence and controlled experiments.

Collections automation

Executes your rules: reminders, workflows, worklists.

AR analytics & predictive scoring

Shows performance and predicts which customers are likely to pay late.

BIX

Asks whether the rules themselves should change, estimates what that could be worth, and designs a test to prove it.

BIX is meant to work alongside these tools and use their output — not to replace them.

	AR software analytics	Internal BI teams	Consulting assessments	BIX
Typical focus	Running and monitoring the collection process; risk scores and worklists	Reliable reporting across the business	Broad working-capital or process improvement	Whether specific collection decisions should change
Typical evidence	Predictive models and dashboards	Descriptive analysis; deeper studies when capacity allows	Interviews, benchmarks and expert judgement, often with data analysis	Every finding graded A/B/C; causal claims only where the data supports them
Testing impact	Depends on the vendor and the set-up	Possible when designed in	Varies by engagement	A controlled pilot with metrics and a decision rule agreed upfront
Relationship to execution	Part of the execution system	Part of your organisation	External; may include implementation	Independent of the system that executes the decisions
Consider when	You need to run collections efficiently	You need trusted reporting	You need a broad transformation programme	You want to know which collection rules are worth changing — and prove it

Decide · Verify · Predict

Three capabilities, honestly labelled.

BIX is built around three ideas. They are at different stages: some can be demonstrated today, some are being validated with design partners, and some are the long-term vision.

Demonstrated on this siteUnder validation with design partnersFuture vision

Decide

Recommend better decisions — and test them

Propose specific changes to collection rules, with every assumption visible, and measure the result in a controlled pilot.

Pilot design is part of the design partner assessment.
Continuous recommendations with human approval are the long-term vision.

Verify

Independently check the decisions you already automate

Look at what your current rules actually do — who gets contacted when, which cases escalate, where disputes stall — and whether the evidence supports them.

Offered as an expert-led assessment for up to three founding design partners, with evidence graded A/B/C.

Predict

Simulate alternative strategies before changing anything

Translate a change in collection decisions into DSO, working capital and financing cost, with ranges rather than promises.

The Opportunity Simulator shows the arithmetic for your own assumptions.
Estimating what is realistic from your own data is being validated.

Your data stays yours

Customers retain ownership of their information. Access, permitted use, retention and deletion are agreed before any sensitive data is transferred.

Nothing published without permission

Company names, logos, results or case studies are only used with separate written permission.

No data through this website

Our forms ask for contact details only. Assessment data is exchanged later, by an agreed protected method.

How confidentiality would be handled →

Start with a conversation

Stop guessing what better could look like.

Twenty minutes, no preparation and no data. We'll talk about how your collection decisions are made today, where you suspect days are lost, and whether a deeper look would be worth it.

How your reminders, escalation and dispute handling are set up
Which decisions have not been revisited since your automation went live
Whether the free design partner assessment would make sense for you

Ready for more? The free Founding Design Partner assessment

For: Organisations with substantial B2B receivables and an established collection process (roughly €50M+ credit sales as a guide, not a rule).
Explores: Which reminder, prioritisation, escalation and dispute decisions may hold back cash — and how to test changes.
May later need: 12–24 months of invoice, payment and collection-activity exports, shared only under agreed confidentiality terms.
You could receive: A baseline, a decision opportunity map, scenario ranges with graded evidence, and a proposed validation pilot.
Free: No assessment fee and no obligation to buy future software. Up to three organisations.
No guarantee: Participation does not guarantee any financial improvement; findings are hypotheses until tested.

Apply as a Founding Design Partner

Discuss your collections strategy

A 20-minute conversation — not a sales demo. No preparation and no data needed. We reply by email to find a time.

Name

Company

Email (work email preferred)

What would you like to discuss? (optional)

Please don't include confidential financial data or customer details.

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