#35 - July 2026

Receivables

Grouped Reasons for Clarifications

At a glance

Clarification reasons can now be grouped together in groups with a shared color. The color carries through the entire clarification interface – from the overview through the timeline to the hover cards – providing immediate visual orientation.

What's new

Grouped reasons with central color
Create any number of groups under Clarifications › Settings › Grouped Reasons, each with a name and color. You maintain the color once per group – all assigned reasons automatically inherit it.

Color coding everywhere
Assigned reasons appear consistently in their group color: in the reasons and clarifications overview, in the response timeline, in hover cards, the sidebar, and response forms.

Tooltip with Group Name
Each colored background displays the name of its group when you hover over it – color and meaning remain clear and consistent.

New Filters & Column
Filter clarifications and reasons specifically by grouped reasons. In the reasons overview, you can also display the Grouped Reasons column.

Permanently Consistent
Once provided answers retain their color and group assignment – even if a reason is later assigned to a different group or renamed.

Your Benefits

• Recognize related clarifications at a glance

• Less maintenance effort through centralized color assignment per group

• Faster search thanks to new filters and column

• Reliable, traceable marking over time

How to Get Started

Create your first group under Clarifications › Settings › Grouped Reasons and assign your main reasons. You can find a step-by-step guide in the Help Center: Grouped Reasons.

Note
Only main reasons can be assigned to a group; optional additional reasons remain neutral.

Revised representative arrangement with automatic expiration date

We have revised the settings for the representative arrangement and consolidated them on a single, clear page:

• Everything at a glance: You simply select your representative, activate the representation via toggle as well as optional email forwarding, and set an expiration date if needed. Who is currently representing you (name, email, status) is displayed directly at the top of the page.

• New optional end date ("Access allowed until"): Once the date has passed, the representation is automatically deactivated. The entry remains visible as expired, and the representative can no longer log in from that point on.

• Maximum flexibility: You can change the assigned representation at any time or completely remove it via "Delete representation".

Your advantage: Start your vacation worry-free! Representations for your teams (e.g., accounts receivable or sales) can be set up in seconds. Most importantly, the new expiration date closes a common security gap: access rights no longer remain accidentally active for months because you forgot to manually remove the representation after returning. The system withdraws access automatically after the deadline expires.

Good to know:

• Everything on one page: Select colleague, grant login access, optionally forward emails and set an end date – done!

• Automatic expiration of rights: With an end date, access expires automatically. Without an end date, access remains unlimited as usual.

• Access protection: A representative can log into your account only if the arrangement is active and the expiration date has not been exceeded.

New column "Customer Balance" in the document overview

We've expanded the document overview with valuable information: you now have access to a new column "Customer Balance" available to you.

• Direct insight: The current total balance of the respective customer is displayed directly in the document table row.

• No detours: You no longer need to navigate to the customer file separately to check the current account balance.

Your benefit: Fewer clicks, faster reconciliation! If you review dozens of transactions or clarification cases daily, you often lose time switching back and forth between document and customer profile. With the customer balance directly in the document overview, you can see at a glance how the customer account stands overall. This significantly accelerates the verification, assignment, and reconciliation of incoming payments.

Full-text descriptions in the filter for difference reasons

We've made the dropdown menu of the "Difference Reason" filter clearer: from now on, the complete description is displayed alongside the respective abbreviation.

• Direct descriptions: Instead of only seeing short abbreviations as before, the dropdown now shows clear-text designations (e.g. "IK Internal Clarification" or "VS Clarification with Insurance").

• Unchanged logic: The pure filter function remains exactly as usual – only the labeling in the selection menu has become significantly more understandable.

Your benefit: No more memorizing or looking up abbreviations! From now on, users no longer need to know exactly what each internal abbreviation stands for to set the appropriate filter. This saves valuable time when filtering transactions or clarification cases and prevents incorrect decisions – especially for new team members.

Table Configuration in Interface Templates

We are expanding the Interface Templates framework: Starting now, administrators can define global default table views for index pages under Company Settings > Interface Templates in the new "Table Configuration" card.

• Comprehensive coverage: The configuration is available for nearly all central overviews (including Customers, Journal Entries, Reminders including Drafts/Sent/Archive, Correspondence, Credit Limit and many more).

• Full control over layout: Column selection, order, sorting, text alignment, font weight, and colors can be adjusted with the same familiar editor that users know from their personal tables.

• Targeted control through two main functions:

  • "Enforce": Locks editing for the assigned role. Affected users see the message "Columns are managed by your administrator" instead of the "Edit my Table" option.

  • "Apply Now": Rolls out the configured table view immediately to existing user accounts.

Your advantage: No more manual setup of individual accounts! Administrators can centrally define the optimal list view for entire teams or roles. Whether sales, accounting, or risk management – all employees in a role work from day one with a unified, perfectly structured data view.

Tag input fields now empty automatically

Adding multiple values in tag selection fields (such as External IDs) is now noticeably smoother: Once you confirm an entry with Enter", the text field is automatically cleared while the cursor remains active in the field. No need to manually delete the old text, so you can capture additional tags in a quick flow Input → Enter → Input → Enter". Since this correction was made directly in the central design component, you now benefit from this smoother typing experience across all forms on the platform.

Add comments to multiple journal entries simultaneously

With a new bulk action in the journal entry list, you can now select multiple documents and add the same comment to them at the same time. The full range of familiar features – including category selection, free text, and file attachments – is available to you. This eliminates the time-consuming, manual repetition of identical notes for related clarification cases or payment flows. Despite the consolidated entry, the customer view remains clear: Multiple assigned comments are intelligently consolidated into a single representative there.

Categorized Topics and Clear Descriptions

Selecting preconfigured reports in the "Add report" dialog is now intuitive and guesswork-free. The 18 standard reports are structured into five clear topic groups: Turnover, Balance & Open Items, Aging & Dunning, Payment Behaviour & KPIs, and Overviews. All report names have been thoroughly revised to remove ambiguous or duplicate labels (such as multiple entries for "Turnover" or "DSO"). Furthermore, every entry now displays a brief summary of its content directly in the dropdown, eliminating the need to add a report just to preview its data.

Good to know:

• Pick right the first time: "Concise descriptions and clear topic categories show you exactly what data a report contains before you add it."

• No more duplicate confusion: "All report titles have been standardized, eliminating identical or confusing labels across the entire selection menu."

Enhanced Remittance Strategy for Payment QR Codes

Reminders and payment notices can now utilize a new remittance information strategy for generated payment QR codes (EPC / GiroCode). Under this new option, the remittance text dynamically opens with the customer number, followed by the respective invoice numbers. The system fully respects the strict 140-character limit of the EPC standard: the customer number is permanently prioritized, while invoice numbers are populated sequentially up to the length limit without ever truncating mid-number. This ensures incoming payments carry crystal-clear reference data, improving automatic matching rates and eliminating manual research.

Good to know:

• Seamless auto-matching: "QR code payments now supply both the customer identifier and the specific invoice numbers, making cash application much faster."

• Clean data compliance: "The system dynamically fills the 140-character limit with complete invoice numbers only—no cut-off or partial numbers."

Risk

Coface ICON URBA360 reports now available as PDF

What's new? For all Coface ICON integration users, there's a practical enhancement: URBA360 reports are now available in addition to the structured data format, also directly as an official PDF document.

• Original document at the click of a button: The official Coface PDF can be retrieved, viewed, and downloaded directly in the platform.

• No media break: Retrieval is fully automatic in your familiar workflow – you never have to leave the platform.

Your benefit: No more detours for proof requirements! When you need to archive the complete URBA360 report for audit purposes, forward it to management, or provide it to external partners (such as trade credit insurers), simply download the original PDF. This saves manual request effort and ensures that you always have the complete audit document available.

Modernized View in Risk Management Tab

We have fundamentally modernized the appearance in the Risk Management section. Outdated placeholders and inconsistent empty states in the Risk Management Tab as well as in the Sidebar have been replaced with a consistent, modern design:

• Clear Status for "No Credit Limit": New, intuitive layout with a clear call-to-action button (CTA) in both the tab and the sidebar.

• Redesigned Cards: The cards for Credit Limit Suggestions, Credit Information (Credit Information), and Credit Cover (Credit Cover) have been visually enhanced and cleaned up (e.g., removing outdated links in the top right, introducing a centered "Add" button for empty states).

• Consistent Empty States: Three additional structured empty-state layouts have been integrated:

  • Risk Alerts: Pure information display

  • Balance Sheet Analysis: Including direct "Add" action

  • Securities: Including direct "Add" action

Your Benefit: No more confusing empty areas! Especially when creating new customer accounts or working with incomplete data sets, the Risk section previously seemed inconsistent in places. The new design now guides you and your team intuitively through the interface: You can see at a glance which risk data is available – and where you can add new documents, inquiries, or limits with just one click.

Configurable Default Visibility for Credit Application Templates

We have made the configuration of templates for credit applications (Credit Limit Application Templates) more flexible: From now on, you will find a new toggle in the settings: "Show by default in credit limit suggestions".

• Enabled: The template automatically expands when opening a credit limit suggestion and displays all fields directly.

• Disabled: The template remains initially collapsed. Users can open it with a click exactly when it is needed.

Your advantage: No more unnecessary screen clutter! Every team works differently: While some departments need to see the request details in every single proposal immediately, others prefer a clean view to focus on the key figures first. From now on, you decide yourself how the system reacts – this creates a leaner interface and less distraction in everyday work.

Credit limit conditions in the approval process

Decision conditions are now seamlessly captured in the system and made visible everywhere. Approvers can now check a box at the approval step for "Add as condition" directly next to the comment field.

• Automatic visibility: Comments marked as conditions are automatically adopted by the system as official requirements and displayed in all relevant places:

  • In the Risk Management tab (Customers #show)

  • In the sidebar (credit limit section)

  • In the Credit limit overview (in a separate column)

  • Directly on the decision PDF for the credit limit

• Visual indicator: A new badge shows the number of active conditions directly on the credit limit.

Your advantage: No more forgotten conditions or media breaks! Previously, conditions for credit limits (such as "Only with payment guarantee" or "Valid until submission of balance sheet") were often documented outside of Bilendo or got lost in free text. Now conditions are directly anchored in the system during the approval step and accompany the credit limit wherever decisions are made – including official PDF export.

Redesign of the credit insurance view

Your advantage: No more confusion about pending decisions! By hiding provisional amounts, you prevent misunderstandings in your team about whether coverage has already been approved by the insurance company. Plus, you save clicks during detailed review and can resolve cancellable coverages directly on the spot – without detours or workarounds.

Calculation log directly in risk alerts

We have significantly expanded the detail view of risk alerts for "Deterioration of risk class" (Negative risk class change) and "Change in internal score" (Internal score change):

• Integrated comparison: From now on, the complete calculation log (Calculation Log) is included directly in the alert – for both the original and the new value.

• Everything in one place: Where previously only the changed final value was displayed, you now see the exact factors and metrics that led to the change, in a direct side-by-side comparison.

Your advantage: No more tedious searching for causes! A changed score is only helpful if you immediately understand why it changed. With the direct log comparison in the alert, you no longer have to leave the view or navigate separately to the calculation log. You immediately recognize which factor (e.g., deteriorated payment behavior or new financial metrics) made the difference – for faster and more informed risk decisions.

Status for credit coverages on the overview page

The overview for credit facilities now shows not only the validity status (Active/Expired) but also directly displays the actual decision status of the facility. This means the overview page and the cockpit are now completely synchronized and provide consistent data. For teams using the scoring & risk module, there's no more guessing: you can see at a glance exactly which facilities are actually in force and where decisions are still pending.

Creditsafe Search by Specific Identification Numbers

The Creditsafe information dialog has been expanded with the new search type "Identification Number". In addition to the traditional search using master data (such as name or address), you can now search for companies directly using country-specific identifiers. After selecting the appropriate country, you have access to the respective local ID types (e.g., trade register number or tax number). This enables exact, reliable assignment of the correct Creditsafe record without time-consuming searching through similar company names.

Custom Additional Fields in the Risk Management Tab

The Risk Management tab has been expanded with the new card "Additional Information". Through the "Add Fields" dialog, risk managers can now flexibly add and edit individual free-text fields (text/string format). Each added field is displayed as its own heading and permanently stores entered notes, risk assessments, or internal references. This eliminates the need for external documentation outside of Bilendo and consolidates all individual risk contexts in one central location, allowing them to be reused, for example, directly in credit limit requests.

Unified Risk View in Credit Limit Proposals

The credit limit proposals overview now uses the same proven risk management cards as the Risk Management tab. To ensure maximum flexibility, the cards for the limit proposal can be configured completely independently of the main view. As part of this standardization, redundant tabs (Risk Alerts, Limit, Calculation Protocol and Balance Sheet Analysis) have been removed. The remaining tab structure has been streamlined for clarity: Overview, Orders, Payment Behavior, Score, Revenue and Custom Fields. This harmonization completely resolves previous inconsistencies between the views and enables teams to request credit confirmations and inquiries directly from the limit proposals overview.

The advantage for you:

• No more confusion from different presentations: "No matter where you work: Risk data is now displayed using the same logical card principle."

• Independently customizable: "You can tailor the risk cards for limit proposals to your specific requirements without changing the view in the Risk Management tab."

• Direct action from the overview: "Request credit confirmations or pull inquiries directly from the limit proposals overview—without detours through other menus."

Real-Time Notifications for New Customer Status Changes

Stay instantly informed with the new "Status Update New Customer" notification setting, available both in-app and via email with flexible delivery frequencies (e.g., Instantly or Daily). Creating a new customer now automatically subscribes you to that profile, sending timely alerts as it moves through lifecycle stages such as Matched, Open, or Declined. Users can also manually manage subscriptions directly from the new customer index page, offering the exact same intuitive workflow as the main customer directory.

What’s in for you:

• Zero manual polling: "Eliminates the need to constantly check customer statuses—you are notified immediately when a new customer is approved, matched, or declined."

• Customizable delivery: "Choose the communication rhythm that fits your daily workflow, from instant alerts to daily digest emails."

• Effortless subscription management: "Easily subscribe or unsubscribe from specific new customer profiles directly from the index view."

Filter Scoring & Risk Pages by Customer Custom Fields

The five core scoring and risk index pages—Credit Informations, Credit Limits, Credit Limit Suggestions, Risk Alerts, and Credit Securities—can now be filtered using the customer's filterable custom fields (Mapped & Date Custom Fields). This functionality mirror the established behavior and field subsets available on the customer and reminder index pages. By bringing custom field filters to risk management views, teams can now seamlessly analyze and segment risk data according to their organization-specific criteria.

The advantage for you:

• Consistent filtering experience: "Apply the same customer custom fields you use across your client directory directly inside your risk management pages."

• Enhanced reporting precision: "Easily narrow down credit limits, risk alerts, or credit decisions by specific customer segments or date attributes."

• Bonus coverage: "This custom field filter capability has also been added to the Journal Entry index view for even better transactional filtering."

Automatic PDF Matching for Atradius Credit Cover

Atradius PDFs received in a central inbox are now matched and attached automatically. Using key reference data—such as policy number, company ID, or customer ID—the system instantly identifies and links incoming documents directly to the corresponding Credit Cover, completely eliminating manual searches. In edge cases where automatic matching cannot take place—such as an unsolicited credit limit reduction issued by Atradius with an accompanying PDF—users can easily assign the document manually to the correct Credit Cover. This feature is currently in a pilot phase with Seidensticker, with a full rollout scheduled following validation.

If you have any questions regarding the setup, please feel free to reach out to your dedicated Bilendo contact person at any time.

The advantage for you:

• Flexible integration options: "Setup is simple: either forward incoming Atradius emails to a dedicated Bilendo inbox, or add Bilendo in CC on Atradius correspondence using a specialized Atradius mailbox. Your Bilendo account manager will gladly assist you with the initial setup."

• Manual fallback for edge cases: "If a PDF cannot be automatically matched—for example, a document confirming a limit reduction by Atradius—you can quickly assign it manually so your records remain complete."

• Eliminate repetitive admin work: "Removes the tedious task of manually searching for Credit Covers and uploading policy documents under standard operations."