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B2B CREDIT RISK & INSOLVENCY INTELLIGENCE

Real-Time Corporate Insolvency Data for Credit & Risk Teams.

Automated monitoring of official German court filings for trade credit insurers, banks, and enterprise underwriting.

Traditional credit bureaus update insolvency records with a 48-to-72-hour delay. Dagyan processes statutory district court filings the moment they are published, classifying financial risk and routing actionable alerts directly to your team or ERP.

Built for Institutional Underwriting & Risk Management

Eliminate blind spots between judicial insolvency filings and credit exposure decisions.

Trade Credit Insurers

Automatically detect court-ordered asset freezes and preliminary administration across insured policy counterparties to suspend credit limits before losses accumulate.

Commercial Banks & Factoring

Verify corporate solvency prior to invoice purchasing or loan disbursement via sub-second REST API integration with SAP, Salesforce, and internal risk engines.

Distressed Debt & Restructuring

Identify corporate self-administration filings, appointed insolvency administrators, and distressed industrial assets on the day of court publication.

4-Tier Risk Classification & Action Framework

Calibrated on 395,108 historical cases, every filing is categorized into four clear operational actions.

Tier 1 • Critical Risk

Asset Freeze & Mass Insufficiency (§ 21, § 22, § 208 InsO)

Active court asset freeze injunction, preliminary administration, general prohibition of disposal, or statutory mass insufficiency. Action: Hold Deliveries.

Tier 2 • High Risk

Proceedings Officially Opened (§ 27, § 28 InsO)

Official opening of corporate insolvency proceedings and commencement of creditor claim registration deadlines. Action: File Creditor Claim.

Tier 3 • Moderate Risk

Remuneration, Lifted Freezes & Final Distribution

Administrator fee settlements, lifted protective measures, final distribution schedules (Schlussverteilung), or procedural updates. Action: Monitor Status.

Tier 4 • Terminal Risk

Dismissed or Terminated for Lack of Assets (§ 26, § 207, § 211 InsO)

Petition rejected mangels Masse or proceedings terminated due to total depletion of the insolvency estate. Action: Write Off Debt.

ZERO-KNOWLEDGE COMPLIANCE & DATA ARCHITECTURE

3-Tier Enterprise Retention Blueprint

Engineered to eliminate European GDPR storage liabilities while preserving 180-day macro vector intelligence and infinite client-side audit custody.

Tier 1 • 10-Day Hard Purge

Raw Data Buffer (GDPR Shield)

Automatically wipes all raw, unstructured bankruptcy transcripts and personal identifiers exactly 10 working days after ingestion—eliminating shadow data retention liabilities during corporate legal audits.

Tier 2 • 180-Day Memory

Anonymized Vector Graph

Strips all personal and corporate names while converting statutory default events into mathematical risk embeddings retained for 180 days—powering 6-month macro trend analytics with 100% GDPR compliance.

Tier 3 • Infinite Local Custody

Client-Side Risk Vault

Delivers multi-page watermarked DIN A4 PDF risk dossiers and encrypted IndexedDB caches directly to the client's local infrastructure—shifting long-term storage custody to the subscriber's own environment.

ENTERPRISE DOCUMENTATION CENTER

Platform Manuals & Developer Reference

Select a guide below to explore our risk classification methodology, visual Risk Desk manual, REST API specification, or Python SDK integration.

General Risk & Statutory Methodology Guide

How Dagyan translates German district court insolvency filings into deterministic financial risk tiers and department actions.

Why Statutory Filings Lead Traditional Credit Bureaus by 48–72 Hours

Corporate balance sheets and traditional credit scores are backward-looking indicators. When a commercial counterparty experiences acute liquidity distress, local German insolvency courts (Amtsgerichte) publish legally binding decrees immediately.

Dagyan ingests these court publications on Day 0, extracts statutory legal citations, and classifies the exact financial impact before multi-day batch bureaus update their records.

10-Day Rolling Window & 395,108-Case Training Baseline

To enforce strict GDPR data minimization and zero-egress security, Dagyan maintains a rolling 10-working-day vault window. While raw court notices are purged after 10 working days, our classification models are calibrated on an anonymized 10-year baseline of 395,108 historical cases.

Every filing is automatically classified as CORPORATE (recognizing 25+ legal structures including GmbH, AG, UG, KG, OHG, SE, GmbH & Co. KG, e.K.) or INDIVIDUAL (consumer proceedings under IK file numbers).

Risk Tier Statutory Court Trigger Financial & Operational Impact Recommended Action
CRITICAL § 21, § 22, § 208 InsO (Active Freeze / Mass Insufficiency) Court asset freeze injunction, disposal veto, or administrator declaration of insufficient mass. HOLD_DELIVERIES (Underwriting & Credit Control)
HIGH § 27, § 28 InsO (Formal Opening) Insolvency proceedings officially opened; operational control shifts to live case timeline. CLAIM_FILING (Legal & Claims Department)
MODERATE § 63 InsO / Lifted Orders / Final Distribution Administrator remuneration logs, lifted preliminary constraints, or final distribution schedules. MONITOR_STATUS (Risk Monitoring)
TERMINAL § 26 Abs. 1/2, § 207, § 211 InsO (Lack of Mass) Case definitively terminated or petition dismissed at entry gate due to asset depletion. WRITE_OFF (Accounting & Finance)

The 9-Step Context-Aware Risk Ladder

Rather than relying on simple keyword matching, our engine splits every court transcript into sentences, maps statutory citations to their local sentence context, and evaluates a strict 9-step priority ladder:

Step 1 — Administrator Fee Filter (MODERATE): Identifies remuneration notices (Vergütung / Festgesetzt) so routine trustee fee logs never trigger false-positive credit freezes.
Step 2 — Lifted Protective Measures (MODERATE): Detects when prior asset constraints (Sicherungsmaßnahmen) are officially lifted (Aufgehoben) without opening proceedings.
Step 3 — Sentence-Scoped Terminal Check (TERMINAL): Evaluates § 26 Abs. 1/2, § 207, and § 211 InsO within the local sentence to confirm dismissal or termination for lack of assets.
Step 4 — Terminal Depletion Check (TERMINAL): Captures proceedings rejected mangels Masse (insufficient estate assets to cover court costs).
Step 5 — Sentence-Scoped Critical Freeze (CRITICAL): Isolates active § 21, § 22, and § 208 InsO orders (preliminary asset freeze or mass insufficiency) where measures have not been lifted.
Step 6 — Critical Disposal Veto (CRITICAL): Captures general disposal prohibitions (Verfügungsverbot) and preliminary administration mandates.
Step 7 — Formal Insolvency Opening (HIGH): Identifies § 27 and § 28 InsO opening decrees (Eröffnungsbeschluss) where creditor claim filing deadlines begin.
Step 8 — Final Distribution Wrap-Up (MODERATE): Identifies closing distributions (Schlussverteilung / Schlusstermin).
Step 9 — Vector ML Baseline (MODERATE): Evaluates remaining procedural updates against our Random Forest vectorizer trained on 395,108 historical cases.

Visual UI & Risk Desk Operations Manual

Step-by-step operational guide showing how to navigate each component of the Risk Desk and Live Explorer.

1. Selecting a View in the Risk Desk (9 Categories)

Open the Risk Desk tab to choose from 9 structured views across three geographic levels: National Scope (all 16 states), Regional Scope (by Federal State), and Local Scope (by District Court), each available for All Filings, Corporate Solvency, or Consumer Liquidity.

How to use: Click any of the 9 cards. National cards open the Live Explorer immediately; State and District Court cards open a jurisdiction selector so you can isolate a specific state or local court.
STEP 1 • RISK DESK (9-CATEGORY MATRIX)
National (NRI)All 16 States
National CorpGmbH / AG (IN)
National ConsConsumer (IK)
State (SRI)By Federal State
State Corp (SCR)Regional B2B
Court (MCCR)200+ Courts

2. The 10-Working-Day Rolling Vault & Live Feed Lock

Dagyan enforces a strict 10-working-day rolling data retention window (no arbitrary historical date browsing). The newest file in the vault list (Index 0 on the left) is the Live Day-0 Risk Analysis Feed—this is the primary service unlocked by your Enterprise License. The previous 9 working days are open for evaluation.

How to use: Click any date chip in the horizontal bar (or use the 10-Day dropdown on the top right) to switch the entire map, KPI bar, and ledger to that publication date.
STEP 2 • 10-WORKING-DAY ROLLING VAULT BAR
🔒 LATEST LIVE VAULT Day 0 (Live Feed)
ACTIVE VAULT (T-1) Open Archive
ROLLING (T-2..T-9) 10-Day Window
Retention Rule: Only the 10 most recent working days are retained in the vault.

3. Top Regional Concentration Map & Interactive KPI Bar

Positioned at the top of the Live Explorer, the Germany GeoChart shades Federal States by their High-Risk Ratio. Directly below the map, clicking any of the 6 KPI summary cards immediately filters the insolvency ledger to that specific risk tier.

How to use: Hover over any German state on the map to inspect its filing volume and risk ratio. Click Critical (Tier 1) or High (Tier 2) in the KPI bar to isolate urgent cases.
STEP 3 • TOP REGIONAL MAP & INTERACTIVE KPI CARDS
GERMANY FEDERAL STATE HEATMAP (TOP OF EXPLORER)
HIGH-RISK RATIO31.4%
CRITICAL (CLICKABLE)44
HIGH (CLICKABLE)61

4. Portfolio Watchlist Scanner & Instant Text Classifier

Paste a comma-separated list of insured companies or suppliers into the Portfolio Watchlist Filter to isolate matching debtors in under 1ms. Next to it, paste any raw court notice into the Instant Text Classifier (/evaluate) to see our 9-step Risk Ladder classify it live.

How to use:
• Watchlist Filter: Type company names (e.g., Logistik, Hafenbau) and click Apply to filter the ledger to your insured portfolio.
• Instant Text Classifier: Paste raw German court text and click Analyze. The engine extracts statutory sections (e.g., §208Inso), assigns the risk tier, and outputs the exact department directive.
STEP 4 • WATCHLIST FILTER & INSTANT TEXT CLASSIFIER
A. Portfolio Watchlist Filter Active Filter: 2 matches
Logistik, Industrietechnik
Apply
B. Instant Text Classifier (/evaluate) 9-Step Risk Router
Der Insolvenzverwalter hat gemäß § 208 InsO angezeigt...
Analyze
CRITICAL Action: HOLD_DELIVERIES
Rationale: Active court asset freeze or protective management ordered under §208Inso.
Sections: §208Inso Dept: Underwriting Sector: CORPORATE

5. PDF Audit Dossiers, CSV Exports & License Rolling

Click "View Audit Report" on any filing card to generate a timestamped PDF dossier for credit committee compliance. In the API & License tab, recurring monthly subscriptions automatically validate for the next cycle, while One-Time 4-Week Passes run for 20 German business days before automatically rolling the API key.

How to use: Click View Audit Report on any debtor card to preview and download its PDF dossier, or open API & License to copy or rotate your REST API key.
STEP 5 • AUDIT DOSSIER & API KEY ROLLING
Norddeutsche Industrietechnik GmbH CRITICAL
904 IN 412/26 • §21Inso • Hold Deliveries
dgy_live_8f92a1c4... Roll API Key

REST API Technical Reference

Direct HTTP integration guide for connecting ERP systems, SAP, Salesforce, and quantitative risk pipelines to the Dagyan Service Lane.

Base URL & Authentication Headers

All API requests must be sent over HTTPS to the Edge Service Lane and include either your Enterprise API Key in the X-API-Key header or a valid session token in the Authorization header.

BASE URL: https://api.dagyan.com/api/die/v1
HEADER 1: X-API-Key: dgy_live_your_enterprise_token
HEADER 2: Content-Type: application/json
POST /api/die/v1/evaluate

Executes the 9-step statutory risk router and section extractor on raw German court notice text (single string or batch array). Demo keys are capped at 5 documents per request.

curl -X POST "https://api.dagyan.com/api/die/v1/evaluate" \
  -H "X-API-Key: dag_demo_key_2026" \
  -H "Content-Type: application/json" \
  -d '{
    "document_text": "Der Insolvenzverwalter hat gemäß § 208 InsO angezeigt, dass Masseunzulänglichkeit vorliegt."
  }'
GET /api/die/v1/vault_list

Returns the descending list of the 10 available encrypted vault dates in Cloudflare R2. Index 0 is always the newest live vault file.

GET https://api.dagyan.com/api/die/v1/vault_list
# Response: { "latest_date": "2026-10-16", "total_vaults": 10, "dates": ["2026-10-16", "2026-10-15", ...] }
GET /api/die/v1/ledger_summary?date=YYYY-MM-DD&scope=NATION&sector=CORPORATE

Returns decrypted, enriched filing records for a specific vault date filtered by scope (NATION, STATE, COURT), target jurisdiction, and sector (ALL, CORPORATE, INDIVIDUAL).

GET https://api.dagyan.com/api/die/v1/ledger_summary?date=2026-10-15&scope=STATE&target=Bayern&sector=CORPORATE
Method Endpoint & Parameters Description
GET /risk_summary?date=YYYY-MM-DD&scope=NATION Returns aggregated filing counts per risk tier (CRITICAL, HIGH, MODERATE, TERMINAL) and the computed High-Risk Ratio (risk_index) for a target vault date.
GET /map_summary?date=YYYY-MM-DD&sector=ALL Returns Federal State geospatial risk concentration metrics for rendering heatmaps.
GET /entity_count, /notice_summary?hash=..., /court_list_api, /state_list_api Returns daily filing volume counts across the rolling 10-day master vault, plus single-record lookup and jurisdiction directories.

Python SDK Guide (dagyan-die)

Official client library documentation for integrating Dagyan insolvency telemetry into Python risk models and backend workflows.

PyPI: dagyan-die ↗

1. Installation & Client Initialization

Install the package from PyPI using pip and initialize DagyanClient with your Enterprise API key (or the sandbox demo key for testing):

pip install --upgrade dagyan-die

2. Complete SDK Method Reference

SDK Method Mapped API Endpoint Description & Return Payload
client.get_entity_counts(scope, target, sector) GET /entity_count Fetches 10-day filing volume counts filtered by scope and sector.
client.get_risk_summary(date, scope, target) GET /risk_summary Fetches CRITICAL, HIGH, MODERATE, and TERMINAL counts and risk_index %.
client.get_ledger_summary(date, scope, target, sector) GET /ledger_summary Fetches full list of enriched insolvency filings for a target date and jurisdiction.
client.get_notice_summary(primary_notice_hash) GET /notice_summary Fetches a single filing dossier by its 32-character MD5 primary_notice_hash.
client.get_map_summary(date, sector) GET /map_summary Fetches state-level risk ratios across Germany for a given date.
client.get_state_list() / client.get_court_list(state) GET /state_list_api & /court_list_api Fetches the official list of German Federal States and mapped District Courts.

3. Production Quickstart & Portfolio Screening Script

from dagyan_die import DagyanClient, AuthenticationError

# 1. Initialize with your Enterprise API Key (or dag_demo_key_2026 for sandbox testing)
client = DagyanClient(api_key="dag_demo_key_2026")

try:
    # 2. Fetch 10-Day Corporate Filing Volumes Nationwide
    counts = client.get_entity_counts(scope="NATION", sector="CORPORATE")
    latest_date = sorted(counts.keys(), reverse=True)[0]
    print(f"Latest Vault Date: {latest_date} | Corporate Filings: {counts[latest_date]}")

    # 3. Pull National Risk Distribution & High-Risk Ratio
    risk_matrix = client.get_risk_summary(date=latest_date, scope="NATION")
    corp_metrics = risk_matrix.get("CORPORATE", {})
    print(f"Corporate High-Risk Ratio: {corp_metrics.get('risk_index')}% (Critical: {corp_metrics.get('CRITICAL')})")

    # 4. Screen a State Ledger Against an Insured Policy Watchlist
    watchlist = ["logistik", "industrietechnik", "bau gmbh"]
    ledger = client.get_ledger_summary(date=latest_date, scope="STATE", target="Niedersachsen", sector="CORPORATE")

    for record in ledger:
        debtor_lower = record.get("debtor_name", "").lower()
        if any(term in debtor_lower for term in watchlist):
            print(f"[ALERT] {record['debtor_name']} ({record['file_number']})")
            print(f" -> Tier: {record['risk_category']} | Directive: {record.get('action_recommended')}")
            print(f" -> Reason: {record.get('risk_reason')}")

except AuthenticationError as err:
    print(f"API Authentication Rejected: {err}")

About Dagyan Intelligence

Enterprise financial risk infrastructure headquartered in Hanover, Germany.

Gokul Krishnan Pudukode Sivaramakrishnan

FOUNDER & CHIEF ARCHITECT

Dagyan Intelligence develops automated data pipelines and natural language processing systems that convert unstructured judicial filings into structured credit risk indicators.

Combining systems engineering with cybersecurity principles from Stanford Engineering, our platform enables credit insurers, commercial lenders, and procurement teams to react to counterparty insolvencies without delay.

All data processing operates within European jurisdictions in compliance with GDPR data protection standards.

Risk Desk

Select a geographic scope and sector to launch the Live Explorer, or click Guided Tour for a walkthrough.

National Scope (All 16 Federal States)

National Risk Index (NRI)

Aggregates combined corporate and consumer insolvency filings across all 16 Federal States.

Open in Explorer →

National Corporate Solvency (NCR)

Isolates registered corporations (GmbH, AG, UG) nationwide for B2B credit insurance and underwriting.

Open in Explorer →

National Consumer Liquidity (NPR)

Tracks private household bankruptcies nationwide to measure retail credit contraction.

Open in Explorer →

Regional Scope (By Federal State)

State Risk Index (SRI)

Combines commercial and consumer insolvency proceedings within a selected Federal State.

Open in Explorer →

State Corporate Solvency (SCR)

Isolates regional corporate and mid-market business defaults within a specific Federal State.

Open in Explorer →

State Consumer Liquidity (SPR)

Tracks private household default metrics filtered by Federal State boundaries.

Open in Explorer →

Local Scope (By District Court)

District Court Risk Index (MCRI)

Monitors all statutory insolvency filings published by a specific local District Court.

Open in Explorer →

District Court Corporate Solvency (MCCR)

Captures local commercial defaults and business restructurings within a single District Court.

Open in Explorer →

District Court Consumer Liquidity (MCPR)

Isolates local private consumer insolvency filings handled by a specific District Court.

Open in Explorer →
National Risk Index (ALL)

Live Risk Explorer

Inspect regional concentration on the top map, filter by risk directive, or scan your customer portfolio.

10-Working-Day Rolling Vault • Live Day-0 Feed & Risk Analysis Unlocked via Enterprise License

Select one of the 10 rolling vault dates above to load the regional map and insolvency records.

API & License

Subscription & API Key Management

PUBLIC PREVIEW (LATEST LIVE VAULT LOCKED)
10-Day Rolling Archive Open • Sign In & Subscribe for Live Day-0 Feed
Public Preview (Latest Live Vault Locked)
dag_demo_key_2026

This key authenticates your headless REST API requests. Keys automatically roll if a one-time 20-business-day license expires.

Pricing

Live Day-0 Feed & Automated Risk Analysis

Immediate access to the newest publication file in the vault every working day, enriched with our 9-step statutory risk classification and department directives.

Flexible Billing: Recurring Auto-Pay or 4-Week Term

Choose continuous monthly auto-renewal or a one-time 4-week license covering exactly 20 business days (excluding weekends and German public holidays).

Automatic License & API Key Rolling

Recurring licenses automatically validate for the next billing cycle, while one-time licenses automatically roll the API token upon completing 20 business days.

Enterprise All-Access License
€5,000 / cycle

One unified enterprise license unlocks the Live Day-0 Vault Feed, real-time AI risk & directive analysis, all 9 Risk Desk views, and full REST API access.

INTERACTIVE PLATFORM GUIDE