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Distress & Recovery · 💸 Distressed Debt Buyer

Un signal de détresse publié. Les créances rattachées à cette société pourraient être rachetables.

Distressed debt portfolios rarely come to formal auction. They move in bilateral deals between creditors and buyers who were already in conversation. The window between a SHAB distress filing and a closed deal can be under two weeks — and most buyers only hear about it after the deal is done. The buyers who win are the ones who reach the bank the same morning the filing appears.

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The timing advantage

Be the first to know. Be the first to call.

For distressed debt buyers, the deal happens before the process. Banks and creditors managing exposure to a distressed company are motivated sellers — but only briefly, and only to counterparties they already trust or who reach them first with a concrete proposal. Once another fund has made contact, the bilateral conversation begins and you are effectively locked out.

1
The SHAB filing is the earliest public signal
Un dépôt de détresse ou de nachlassstundung dans le SHAB précède tout processus de vente formel de plusieurs semaines. À ce moment, le créancier n'a pas encore décidé s'il vend, conserve ou poursuit l'exécution. Le contacter avant que cette décision ne soit arrêtée est le seul moyen de l'influencer — et d'éviter de se retrouver en concurrence avec trois autres fonds dans une vente aux enchères structurée.
2
Banks prefer bilateral exits over formal process
Swiss banks managing NPL exposure have strong incentives to close quietly. A formal portfolio sale triggers regulatory scrutiny, provisioning discussions, and internal approval layers. A bilateral deal with a known counterparty — completed in under two weeks — avoids all of that. But it only happens if you're already in the room when they decide to move.
3
The liquidation event closes the window permanently
Once a company enters formal liquidation, the debt portfolio becomes subject to insolvency proceedings. The administrator takes control, enforcement timelines extend significantly, and the creditor's motivation to sell at a discount disappears. The entire acquisition opportunity exists in the narrow window between distress signal and liquidation order.
Your signals

Which SHAB events matter for Distressed Debt Buyer

Two SHAB event types directly indicate that receivables attached to a company may be available for acquisition. Each creates a different urgency and requires a different approach to the creditor conversation.

⚠️ Distress Signal
HIGH SIGNAL
Un dépôt de nachlassstundung, de moratoire sur les dettes ou de concordat judiciaire signale qu'une entreprise est en difficulté financière active mais n'est pas encore entrée en liquidation formelle. Il s'agit de la fenêtre d'acquisition principale. Les banques et les créanciers commerciaux exposés pèsent leurs options — une offre bilatérale d'un acheteur crédible arrive exactement au bon moment. L'entreprise peut encore survivre restructurée, ce qui change entièrement le caractère de la créance si vous attendez.
🏚️ Liquidation
HIGH SIGNAL
Un dépôt de liquidation confirme que l'entreprise ne poursuivra pas ses activités. Bien que la fenêtre d'acquisition soit plus étroite ici, les créanciers qui ont agi lentement pendant la phase de difficultés peuvent encore détenir des créances non garanties qu'ils sont prêts à vendre pour éviter de longues procédures d'insolvabilité. La rapidité est déterminante : l'administrateur classifiera les créances peu après sa nomination, et les cessions bilatérales à prix réduit deviennent plus difficiles à réaliser une fois ce processus formalisé.
Real scenario
Distress signal — Vantage Holdings AG in Zurich — Day 1 vs Day 30

Un dépôt de nachlassstundung apparaît dans le SHAB. Deux fonds de dette en difficulté le lisent. L'un contacte la banque le matin même. L'autre relance quatre semaines plus tard.

8:04 AM
The SHAB publishes. Distress signal for Vantage Holdings AG in Zurich. Nachlassstundung granted. Two creditor banks and several trade creditors likely hold exposure.
8:15 AM
Your Founders & Movers brief lands. Distressed Debt Buyer score: 94. AI angle attached: "Nachlassstundung granted — creditor banks likely managing NPL exposure. Bilateral acquisition window open before formal process begins."
9 h 30 — Jour 1
You identify the distress event and immediately reach out to banks and creditors with exposure to this company. They may be willing to sell receivables at a discount now rather than wait through a long proceedings.
Day 30 — If you wait
Another distressed debt fund has already approached the bank. The portfolio was sold in a bilateral deal before it came to market.
Why the window closes

Day 1 vs Day 30 — the difference is the deal

Day 1
Day 1 — You call today
  • The creditor has not yet decided whether to sell or enforce. Your call shapes that decision rather than responding to one already made.
  • No auction has been organised. You negotiate directly, set your own price discovery terms, and avoid the markup that formal processes add.
  • You arrive with a specific filing reference and a concrete offer structure. The banker you call knows you've done your homework — and takes the meeting.
  • Une clôture bilatérale en moins de deux semaines est réalisable. La banque évite une escalade réglementaire; vous évitez la concurrence. Les deux parties bénéficient de la rapidité.
Day 30
Day 30 — You call next month
  • Un fonds concurrent a approché la banque dès la première semaine. L'accord bilatéral est déjà conclu. Le portefeuille est entièrement retiré du marché.
  • If the distress has progressed to formal liquidation, the administrator now controls the claims. Bilateral acquisition is no longer possible.
  • The bank has already provisioned the exposure and moved on. The motivation to sell at a discount — which existed briefly — is gone.
  • You are now learning about a deal from a tombstone announcement rather than from the filing that created the opportunity.
Reach out with reason

Not "I help companies like yours." A specific reason to call.

SHAB events give you a real, specific, verifiable reason to reach out. That changes the conversation from cold outreach to warm intelligence — you're not prospecting, you're responding to a filing that just appeared this morning.

❌ Generic cold outreach
Subject: Distressed debt acquisition — are you managing exposure?

Hi,

We acquire distressed debt and receivables portfolios for Swiss and European entities. If you have exposure you're looking to manage, I'd welcome a discussion.

Best regards
✅ SHAB-triggered with AI angle
Subject: Vantage Holdings distress signal — bank exposure?

Une annonce de difficultés pour Vantage Holdings est parue dans le SHAB ce matin. Si votre institution dispose d'une exposition sur créances, nous pouvons agir rapidement sur un achat bilatéral — sans enchère formelle ni processus long. Nous avons conclu des transactions en moins de deux semaines dans des situations similaires. Cela vaut-il un appel aujourd'hui ?
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Other roles

See similar role presets

Founders & Movers has 27 pre-configured roles. These work similarly to Distressed Debt Buyer — same distress signals, same timing logic, same first-mover advantage in an opaque market.

🗂️ Insolvency Administrator → ⚖️ Bankruptcy Lawyer → 📋 Debt Collection Agency →
Voir les 27 profils de rôles →
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