Guides

A partner, a network contract, a joint venture or an exclusive deal: the map of the 4 scenarios and the public data to check before tying your company to another one.

Which clauses to include in the contract based on what the check reveals: the practical part of due diligence on a commercial partner that generic checklists skip.

Rete-soggetto (network with legal personality) or rete-contratto (contractual network): only one of the two truly protects your assets if a network partner goes bankrupt. How to recognise which one you signed.

A partner with personal protests or court-ordered mortgages brings that situation into the new SRL. What to check on the partner before signing the articles of incorporation.

The risk of a JV is not the initial agreement, it is the future capital contributions. How to verify whether the partner will really have the resources to honour them.

Who really controls a company: the three-level test for finding the beneficial owner, and how to see it for a specific company for €9.90.

If an exclusive distributor is financially weak, you lose the entire channel for the full term of the agreement. What to check before you sign.

A partnership agreement is only as good as the partner who signs it: what to check beforehand, from properties registered to related companies. Report from €49.

Before the letter of intent: checks on public data for the seller and the company, and what remains for the accountant. Istruttoria report at 99€.

Who really has the power to bind an srl or spa: what the company register extract shows, what to ask and what not to. Shareholders and directors in the €19 report.

The six moments when financially qualifying a supplier or subcontractor really matters, from the deposit to monitoring over time those who are strategic.

The six moments when financially qualifying a supplier or subcontractor really matters, from the deposit to monitoring over time those who are strategic.

If the supplier does not deliver, the deposit you paid becomes a debt to recover like any other. What to check before paying.

The public signals that often anticipate by months a supplier's interruption of deliveries to a business that depends on it — before the supplier itself tells you.

A deposit (acconto) and a confirmatory deposit (caparra confirmatoria) are not the same thing, and the difference matters if something goes wrong. How to check the supplier before accepting, and how to structure the payment.

The three thresholds of the Civil Code that signal a financial collapse already under way — how to read them in a supplier's balance sheet without being an analyst.

A company too young to have public balance sheets is not without verifiable data. What to look at, and how to structure the first order to reduce the risk.

A protest against a supplier is not just a credit datum: it is a liquidity signal that can turn into delivery delays or missed deliveries.

How much credit to extend to a B2B customer, how to protect yourself on payment terms of 30, 60 or 90 days, and when to withdraw it. Rating and estimated credit line for a company from 9.90€.

How much credit to extend to a B2B customer, how to protect yourself on payment terms of 30, 60 or 90 days, and when to withdraw it. Rating and estimated credit line for a company from 9.90€.

There is no mandatory legal formula for a commercial credit line: there are practical prudential criteria, with a numerical example of how to combine them with real data on the customer.

A 90-day payment term is lawful if expressly agreed, but it can be void if grossly unfair to you. What the law says, and how to check the client before accepting.

The public data that often anticipate by months a customer's first missed payment — to be monitored before the problem becomes yours.

How and when you can reduce or revoke the payment period granted to a customer, and what elements you need to do so on solid, non-arbitrary grounds.

Without a payment history to rely on, the first credit line to a new customer is the most uncertain decision. What to look at so you do not proceed blind.

A recurring but stable delay is a different problem from one that is getting worse. How to decide whether to continue, on what terms, or to stop.

What determines how much credit a supplier is willing to extend to you, how to grow it over time, and what to do if it is reduced or revoked.

Checklist for checking a new B2B client before granting 30, 60 or 90 days: financial statements, protests, beneficial owner, rating and credit line from €9.90.

Customer in composition with creditors or in negotiated settlement: what happens to old receivables and new supplies. Insolvency proceedings verifiable from €5.90.

A srl (Italian limited liability company) with 1 euro of capital is lawful, but the capital does not guarantee creditors: net equity matters. What to check and how to protect yourself. Report from 19€.

Voluntary or judicial liquidation, who pays the debts, what to check in the chamber of commerce extract before signing or recovering a credit. Veryfy report from €19.

Loss, eroded or negative net equity: what arts. 2446-2447 c.c. provide and how to calibrate credit line and payment terms. Verifica report from 19€ with alerts.

Pro solvendo or pro soluto: who pays if the assigned debtor is insolvent (art. 4 Law 52/1991) and how to check it before assigning. Rating and credit line from 9.90€.

A cheque from a customer: what you can check in the Bank of Italy's CAI, the risks of post-dated cheques, protests. Negative records from €5.90.

The six moments of risk in the life cycle of a subcontract: joint liability for wages and tax, and what happens if the subcontractor stops.

The six moments of risk in the life cycle of a subcontract: joint liability for wages and tax, and what happens if the subcontractor stops.

A valid DURC does not exclude the main contractor's joint liability for wages unpaid by the subcontractor. What the law says, and how to genuinely protect yourself.

Beyond DURC and technical requirements, the financial data that show whether a subcontractor really has the financial strength to complete the works without interruptions.

What happens to the subcontract if the subcontractor enters judicial liquidation, and how to limit the impact on the site and on timelines towards the client.

When the obligation to check a subcontractor's withholding tax payments arises, and how to avoid having to pay them twice.

What the Public Contracts Code (Codice dei Contratti Pubblici) requires of a subcontractor before admitting it to a tender, and how to verify it concretely before naming it.

A change of director while works are under way is not in itself a problem, but it is a signal not to miss. Why it pays to monitor it, not just check it once.

Bidding with an RTI, an avvalimento or a consortium means answering for your partner's requirements. What to check first, report from €49.

DURC (social security compliance certificate), Registro Imprese, credit licence and client obligations (art. 90 D.Lgs. 81/2008), then protests and accounts. Verifica report from €19.

iCRIBIS, Cerved and pay-per-use: how to choose the right pricing model for an SME that checks companies only occasionally.

iCRIBIS, Cerved and pay-per-use: how to choose the right pricing model for an SME that checks companies only occasionally.

A Cribis report can be bought without a subscription: what it includes, what it lacks, and the Veryfy alternative from €19 with the beneficial owner already included.

An alternative to Cerved for an SME that pays per use: reports from €19 with no subscription, including beneficial owner, adverse records and estimated credit line.

What a report on Cerved, CRIF/iCRIBIS and Veryfy really costs, and what each price band includes: a comparison with verified public price lists, not estimates.

The choice depends on how many checks you make per year and how predictable they are, not on which model is "better" in absolute terms. How to decide for your case.

A transparent price, not a quote on request: what a full report includes and what it really costs, tier by tier.

Can you check a company without creating an account or committing to a contract? Yes, up to the point where you decide whether to go ahead.

What you can reconstruct yourself from the Business Register at minimal cost, and what you pay for when a service does the interpretation work for you.

A single Cerved report costs from 40€ to 95€ + VAT on the Credit Direct price list. What each report includes, and the Veryfy alternative from 19€ VAT included.

A chamber of commerce extract costs €5 online and tells you who a company is, not whether it can sustain a credit line. What it contains, what it lacks, and when the €19 report is needed.

Trade credit policy or checking the individual customer? What each does, when a policy is worth it and when a €9.90 or €19 check is enough.

Active VAT number, VIES and the Registro Imprese: what they tell you for free, what they don't, the signs of a ghost company. Protests and proceedings from €5.90.

Protests, positions, shares and properties of a natural person — only for three declared purposes: guarantor, professional relationship, or due diligence on a partner.

A surety answers with their own assets, not just with a signature. What to check about them before accepting the guarantee: protests, proceedings and other exposures.

Before admitting a new partner or appointing a director, what you can check directly on the person: positions in other companies, shareholdings, protests and property.

Two different ways of verifying a natural person, on different legal bases. When the beneficial owner of a company emerges, and when a direct Person Check is needed instead.

Many professionals operate as individuals, not as companies, so a company register check is not enough. What you can check before engaging them or advancing a payment.

Before entrusting a point of sale in your network, what you can verify about the candidate beyond what they declare themselves: protests, other businesses, stakes and properties.

Adverse records on an individual: what they are and how to verify them through official channels, or with the €29 Person Check report, with source and date.

Protests, insolvency proceedings and — in the extended tier — other businesses and properties held in the name: what you can check on a prospective tenant in real time, without their active involvement.

A sole proprietorship does not file financial statements, and the owner answers for debts with all their assets: what to check. Verifica Persona from €29.

SIC, Centrale Rischi and public registers: who sees what before a loan, how to access your data for free, and how to see the public data with Veryfy from €29.

Are you in CRIF or in the Centrale Rischi? You request your data for free yourself. Protests, adverse records and proceedings in your name you see right away: Verifica Persona €29.

How to access your Centrale Rischi data for free with SPID, what it contains, what a sofferenza is, and what someone checking you sees without being a bank.

How to find out whether you have protests, seizures or mortgages in your name, who can see them and how to cancel them. Verifica Persona on yourself at €29, with source and date.

CRIF negative records: how long they last (12, 24, 36 months), when the period starts, why removal is automatic. Meanwhile, your public records: €29.

SIC, Central Credit Register, income, public registers: what the bank checks before a loan or mortgage, and how to see public data in your own name. €29.

Financial statements, shareholders, share capital, protests and insolvency proceedings are public: here is what banks and suppliers infer from them. See the report on your company from €19.

Guarantor with a listing in CRIF or the Centrale Rischi: what the bank sees, what a landlord sees and what to check on yourself first. Public data from €29.

Forfetario regime (flat-rate regime) at €100,000, VAT from €85,000, IRPEF at 33% up to €60,000: what the 2027 budget proposal says, what is already law, and the free simulator.

From the draft policy document to the final vote: where the 2027 budget law stands, when we will know whether the flat-rate regime rises to €100,000, and where to read the texts.

Between 85,000 and €100,000 you remain forfetario until year-end, above €100,000 you exit immediately with VAT. The 2026 rules, the 2027 proposal and the calculation for your case.

The VAT exemption for small businesses is set by the EU directive at €85,000. Why a €100,000 flat tax would bring VAT onto invoices, and who it affects.

Salary and a flat-rate VAT number: the employment income limit is €35,000 for 2025-2026. Without an extension it returns to €30,000 from 2027.

15% tax or progressive IRPEF: when the forfetario regime pays off and when the ordinary one does, with examples calculated on costs, contributions and deductions.

From 40% for trade to 86% for construction: the official table of forfetario coefficients by ATECO code and how they turn revenue into income.

How much is paid to INPS from the forfetario regime in 2026: 26.07% in separate management, minimum and rates for artisans and traders, the 35% reduction and what it costs.

The 5% tax applies for the year of start and the four following years, and only with three requirements. What they are, when it is lost, and how much it is worth compared with 15%.

Extending the second IRPEF bracket from 50,000 to €60,000 would be worth at most €1,000 a year. Who benefits, who doesn't (flat-rate taxpayers) and where it stands.

Every official tax act that matters for the practice, explained the day it is issued: Agenzia delle Entrate (Italian Revenue Agency), Official Gazette, MEF (Ministry of Economy and Finance), INPS (social security institute), Court of Cassation and Parliament.

Voluntary correction of the 2020-2023 tax years for those renewing the CPB 2026-2027: option with F24 from 1 January to 15 March 2027, up to ten instalments. Who can.

Returning professors and researchers: a home received as a donation does not give the extra years under art. 44, para. 3-ter, of Decree-Law 78/2010: what ruling 190 says.

Associated professional and biennial composition 2026-2027: with different ISAs, they can join even if the firm does not. What ruling 191/2026 says.

Circular 9/E/2026: how the Agency will assess and vote on the concordato minore, consumer plans and discharge of debts. What changes for those assisting the debtor.

Consumer debt restructuring, minor composition agreement, controlled liquidation, discharge of the debtor with no assets: who can access them and what is needed.

The consumer plan (arts. 67-69 CCII): who is a consumer, what it may provide, the role of the OCC and the conditions that exclude it.

The minor composition agreement (arts. 74-83 CCII) for professionals and small entrepreneurs: continuity or external contribution, classes and privileged claims.

Controlled liquidation (arts. 268-277 CCII): who can apply, what is not liquidated, the 50,000€ threshold for a creditor and discharge after three years.

Cancelling debts without being able to offer creditors anything (art. 283 CCII): requirements, only once, three years of supervision and supervening assets.

What the OCC must write in its report (art. 68 CCII): causes of the indebtedness, diligence, reliability of documents, costs and creditworthiness.

Practical list of the documents you need: income, bank statements, contracts, tax collection notices, searches and free SIC and Centrale Rischi checks. How to order them.

When a consumer cannot access the plan (art. 69 CCII): discharges already obtained, gross negligence, bad faith or fraud, and what changes for the creditor.

Before chasing an unpaid debt, check whether the debtor has assets that can be seized: financial statements, beneficial owner, protests, in a few minutes.

“Fido” can mean two different things: a bank credit line or a payment deferral between companies. How to tell them apart, and how a bank credit line works.

Protests and encumbrances: definitions, differences and what they really say about a company. Protests and insolvency proceedings verifiable from €5.90.

Almost all guides on ratings explain how to improve YOUR rating. Here, instead, is how to read the rating of a company you do not yet have a relationship with, before you decide.

Judicial mortgages, attachments, seizures: what Conservatoria adverse records are and how to run a mortgage inspection, including on a company.

In October 2026 the register is still suspended and not open to everyone. Who will be able to consult it, and how to see who controls a company in the meantime (€9.90).

What court-based encumbrances mean in searches and commercial reports, how they differ from Real Estate Registry ones, and where they are verified.

Property registered to the debtor before debt recovery: company and relevant shareholders with a €49 Decision report, individuals with a €49 Extended Person Check.

Before renting premises to a company: financial statements, protests, insolvency proceedings, beneficial owner, estimated credit line and who signs. Report from 19€, in a few minutes.

Protests at the Chamber of Commerce, adverse records at the Property Registry: how to run the search on a company, what it costs and what you see already from €5.90.

With the register suspended, how to reconstruct the beneficial owner of a company customer: criteria of art. 20, declaration and Companies Register. From €9.90.

What a Veryfy business reliability report looks like: traffic light, estimated credit line, beneficial owner, protests. From €19, with a sample PDF to browse.

Mandatory guarantee, ten-year insurance, preliminary contract before a notary (D.Lgs. 122/2005) and checks on the builder before paying deposits. Report from €19.

Compulsory administrative liquidations, extraordinary administrations, bankruptcies and business crises from official sources, with the impact on the Italian supply chain. Every 3 hours.

Operations by the Italian Guardia di Finanza and the EPPO on VAT fraud, false invoices, money laundering and nominee directors, dismantled step by step. For accountants and AML officers.

ANAC, TAR, Council of State, the Labour Inspectorate and the Guardia di Finanza on tenders, subcontracts and construction sites: what changes for construction firms and contractors.

Exclusions, revocations and undue receipt of public funds, TAR (regional administrative court) rulings and SME credit: what the bank and the granting body will check.

Supply-chain due diligence, VSME standards for SMEs, irregular work and gangmastering: the official developments that decide whether a contract manufacturer stays in the supply chain.

EU and OFAC sanctions, tariffs and anti-dumping measures, dual-use and circumvention through third countries: the official updates that matter to exporters, every 3 hours.

Buying a house in Italy from the UK: the 90-day rule, the builder's ten-year insurance, and how to check the seller or builder with official sources.

How UK businesses can check an Italian company or supplier after Brexit: registers, payment fraud, beneficial owners, debt recovery and insolvency.

Companies House does not cover Italian companies. How a UK buyer checks an Italian supplier in Registro Imprese, and what to compare before paying.

S.r.l., visura, bilancio, protesto, liquidazione giudiziale, titolare effettivo: a plain-English glossary for UK readers of an Italian company report.

Your Italian customer is insolvent. How the EU Insolvency Regulation treats UK creditors after Brexit, and how to file a claim in Italian liquidation.

An Italian supplier emails new bank details? How UK businesses avoid payment diversion fraud: call-backs, name checks and a free Veryfy anti-scam check.

A UK PSC and an Italian beneficial owner answer the same question under different rules. Thresholds compared, and how to see who controls an Italian firm.

UK creditors chasing an Italian debtor: what changed after Brexit, the Hague 2005 Convention, recognition in Italy under art. 64, and checks before suing.