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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 (Section 21/22)

Court-ordered restriction on asset disposal and appointment of a preliminary administrator. Recommended Action: Hold Deliveries & Freeze Credit.

Tier 2 • High Risk

Formal Proceeding Opened (Section 27)

Official opening of insolvency proceedings. Deadlines begin for creditors to register formal claims. Recommended Action: File Creditor Claim.

Tier 3 • Moderate Risk

Ongoing Supervision & Restructuring

Creditor committee meetings, trustee updates, or supervised corporate restructuring. Recommended Action: Monitor Account Status.

Tier 4 • Terminal Risk

Insufficient Assets (Section 26)

Petition dismissed by the court due to a total lack of recoverable liquid assets. Recommended Action: Write Off Bad Debt.

ENTERPRISE DOCUMENTATION CENTER

Platform Manuals & Developer Reference

Select a guide below to explore our risk classification methodology, Risk Desk user 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.

Historical Training Baseline & GDPR Compliance

Under German statutory retention rules (§ 2 InsoBekV), public portals delete insolvency announcements 6 months after publication. Dagyan’s classification models are trained on an anonymized 10-year historical baseline of 395,108 cases while maintaining full GDPR compliance.

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 Court Filing Trigger Financial & Legal Meaning 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.

UI & Risk Desk Operations Guide

Step-by-step instructions for credit underwriters, portfolio managers, and risk analysts using the web and mobile dashboard.

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.

2. Understanding the Vault Bar & Latest File Lock

Inside the Live Explorer, the horizontal Vault Bar displays the 10 most recent publication files sorted by date. The newest file in the vault list (first chip on the left) represents the Latest Live Vault and is unlocked for active Enterprise subscribers. The previous 9 archive vaults are open for historical evaluation.

3. Using the Top Regional Map & Interactive KPI Cards

The Geographic Risk Concentration Map at the top of the screen shades German Federal States by their High-Risk Ratio (Critical + High filings divided by total filings). Below the map, clicking any of the 6 KPI summary cards immediately filters the records list to that specific risk tier.

4. Scanning Portfolios & Classifying Custom Notices

Use the Portfolio Watchlist Filter to paste a comma-separated list of insured policy counterparties or suppliers; the ledger filters matches in under 1ms. Use the Instant Text Classifier next to it to paste raw court text and see its risk tier, extracted sections, and recommended action.

5. Downloading PDF Audit Reports & Managing Licenses

Click "View Audit Report" on any record to generate a timestamped PDF dossier, or click "Export CSV" to download the filtered table. In the API & License tab, you can roll your API key at any time. Recurring monthly subscriptions renew automatically each billing cycle, while One-Time 4-Week Passes grant 20 German business days (excluding weekends and public holidays) before automatically rolling the 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."
  }'

# Response (200 OK):
{
  "status": "success",
  "count": 1,
  "results": {
    "risk_category": "CRITICAL",
    "risk_reason": "Active court asset freeze injunction or protective preliminary management ordered under section: §208Inso.",
    "confidence": 0.98,
    "statutory_trigger": "§208Inso",
    "extracted_sections": ["§208Inso"],
    "action_recommended": "HOLD_DELIVERIES",
    "target_desk": "Underwriting & Credit Control",
    "debtor_type": "CORPORATE"
  },
  "model_engine": "dagyan-rule-router-v4-synced"
}
GET /api/die/v1/vault_list

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

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.

Select a vault file above to load the regional map and insolvency records.

API & License

Subscription & API Key Management

PUBLIC PREVIEW (LATEST VAULT LOCKED)
Historical Archives Open • Sign In & Subscribe for Latest Vault
Public Preview (Latest 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

Unrestricted Latest Vault Access

Immediate access to the newest publication file in the vault every business day across all 16 Federal States and 200+ District Courts.

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 latest daily vault feed, all 9 Risk Desk views, portfolio watchlist matching, and full REST API access.