Fiducia TogetherAged debtors and creditors
Two reports showing who owes you and who you owe, sorted by how overdue.
Please note: This page explains what a term means. It is general information, not legal, financial, tax or investment advice, and it does not know anything about your business. Before you sign, file or commit to anything, check it with an accountant, a solicitor, or the official guidance we link to.
What it means
An aged debtors report lists unpaid sales invoices in bands — current, 30, 60, 90 days and older. Aged creditors does the same for what you owe.
Why it matters
Together they are the most useful pair of reports in a small business. Debtors tells you where the cash is; creditors tells you what is about to leave.
What it looks like in practice
Run both monthly. Chase everything over 30 days as a routine rather than as a crisis, and see credit control.
What to watch out for
Old balances that are not real — an invoice already paid but unmatched, or a credit note never issued. They inflate both reports and make the useful signal harder to see. Clear them.
Where to get proper advice
A bookkeeper will run and act on these for a modest monthly fee, and it is usually the highest-return outsourcing a small business does.
Where to read more
Last reviewed 2026-08-28 by Fiducia Together · Next review due 2027-08-28
Please note: This page explains what a term means. It is general information, not legal, financial, tax or investment advice, and it does not know anything about your business. Before you sign, file or commit to anything, check it with an accountant, a solicitor, or the official guidance we link to.