Separate planned, due and collected
A financial table becomes misleading when it mixes planned amounts with money actually received. The payment schedule describes what is expected. The drawdown makes concrete what becomes due under the terms of the record. The collection confirms a payment received and reconciled.
These three levels must stay distinct while remaining connected. That separation lets you read arrears without under- or over-stating cash.
Link every transaction to the right context
Every financial line must be traceable from the buyer, the unit, the project and the reservation or sale record. A free-text reference or a name entered differently each time is not enough for reliable reconciliation.
- Unique reference for the record and the transaction.
- Associated project, unit, buyer and reservation or sale.
- Nature of the amount: deposit, instalment, refund or other.
- Amount, issue date, due date and payment date.
- Paid, pending or overdue status, and the payment method.
Build the payment schedule from the sales record
The schedule must reflect the terms of the record concerned, not a disconnected template. An approved change must leave a trace and recalculate only the instalments it affects. Amounts already collected must not disappear during a revision.
The per-buyer view serves day-to-day tracking. Consolidation by project serves management and finance. Both views must be built from the same transactions.
Treat arrears as a queue of actions
An arrears list should show the date, the amount, the record, who is following it up and the last action taken. Sorting only by amount can hide old or repeated cases that need particular attention.
Set a review cadence and an internal escalation path. Messages sent to buyers must be approved according to your contractual and legal rules.
Content published by Promoteur360 describes an operational way of working and does not replace legal, tax or accounting advice tailored to each case.
The indicators to track by project
Track the amount planned for the period, the amount that has fallen due, the amount collected, the balance outstanding and the age of the arrears. Add a collection rate only once everyone shares the same definition of how it is calculated.
A consolidated indicator must always allow you to return to the records behind it. Without that detail, the team falls back on manual exports to explain every discrepancy.
Frequently asked questions
What is the difference between an instalment and a collection?
An instalment is an amount expected on a given date. A collection is a payment actually received and matched to the corresponding record.
How do we track payment arrears?
Use a view of overdue instalments showing the record, the amount, the age, the owner and the last action. Contractual handling must follow the rules approved by the company and its advisers.