Risk Assessment Services

29/01/2026

We safeguarded creditors from R227M in defaults.

29/01/2026

These industries would have lost the most cash flow without credit control.

21/10/2025

More companies are outsourcing their credit control to professionals. Here are the main reasons why:

1. It’s about volume and capacity

External credit control enables businesses to allocate their resources towards meeting demand when hitting unusual sales cycles that create an increased workload. Outsourcing ensures that a company’s customers pay on time so that they can focus on what they do best, which is selling their products and services.

2. Technology and expertise

The right knowledge and technology are the most important factors of diligent credit control. Businesses save more on human resources and continuous technological input costs when outsourcing credit control. We use credit bureau information to approve and decline credit applications on behalf of our clients and have over 30 years collective industry experience, focused on modern and effective analyzation methods.

3. It affects the bottom line

Successful credit sales do not always lead to cash flow. Not every debtor will pay on time, if at all - especially during periods of economic decline. Effective credit control aims to eliminate late payments, defaults, and debt collections to improve profitability and keep you in business.

If you are interested in outsourcing your credit control or need a credit application template (no charge), you can message us here or contact us on 051 446 0060 or send an email to [email protected].

22/06/2025

Estate agents charge commission as a percentage of a property's selling price, usually between 5% and 7.5% with an additional 15% VAT on the commission. The agent's commission is usually paid out from the sale proceeds by the conveyancer once the property is transferred. These fees inflate a property’s listing price and can consequently lead to a property staying on the market longer. A seller ideally wants its property to leave the market as soon as possible and would give up sale proceeds to accommodate commission fees and decrease the selling price.

We provide a supporting service for private property sellers to offer more competitive listing prices by eliminating commission fees. To negotiate directly with the buyer, you will receive a full property valuation for your ERF or Sectional Title with a guided and PDF fillable Offer To Purchase. We also provide your consumer credit report for personal and future reference on your credit standing. Submit a request for Property Acquisition via our website under eProducts and we will send you an email with all the relevant communications.

We hope that the elimination of commission fees on your listing price leads to your property selling in good time.

19/06/2025

When considering buying a business or company, the buyer would appoint an auditor to provide an independent opinion on the financial statements and to ensure that they are accurate. Audit fees vary significantly, ranging from R19,000 to R63,000 for small to medium enterprises and R250,000 to R500,000 for large corporations.

The exact cost depends on factors like the size of the company, complexity of the audit, and the audit firm's rates. Larger and more complex companies, or those with more transactions, typically require more audit hours, leading to higher fees. Larger, more established firms may charge premiums for their expertise and reputation. Increased audit risk (e.g., due to a history of errors or complex financial structures) also justify higher fees.

We have a different and cost-effective approach to considering whether a company’s selling price is fair based on current business activities as logged on South African credit bureaus. You will receive a report result of our financial risk analysis on the company for the selling price offered, with its business- and consumer credit reports. These reports are offered at a fixed rate as per the selling price, opposed to incurred audit fees. You can view rates on our website under eProducts.

10/06/2025

Hoe onkredietwaardige besighede aansoek doen vir kredietaankope en hoop jy kom nie agter nie...

28/01/2025

Going into business rescue does not extinguish the debts owed to SARS.

SARS has a firm new target in 2025, and it has far-reaching powers to take what it is owed—with or without their permission.

19/01/2025

We safeguarded creditors from R184M in defaults.

Of almost R600M credit processed in 2024, meat Processors (Poultry) dominated the credit market with a 26% share (R156M) in the total credit processed. Automotive Retailers (Tyres) came in second with 15% (R89M). Without diligent credit control, chicken suppliers would have had a R68M a-peck-alypse and R13M worth of tyres would have hit the road.

There was a 210% spike in credit demand for Q3 due to increased activity in the following industries:

Meat Processors (29% of Q3 total)
Automotive Retailers (18% of Q3 total)
Furniture Manufacturers (16% of Q3 total)
Fuel & Oil Manufacturers (13% of Q3 total)
Construction Manufacturers (12% of Q3 total)
Logistics (11% of Q3 total)

19/01/2025

This graph indicates which industries would have lost the most cash flow without credit control.

The top 5 industries contributing around R130M (70%) to the total credit declined were:
Meat Processors at R68M (37%)
Furniture Manufacturers at R22M (12%)
Fuel & Oil Manufacturers at R21M (11%)
Logistics at R13M (7%)
Financial Services at R6M (3%)

25/04/2024

Meet our management team. We allocate most of our resources towards diligent and cost-effective credit control so you can focus on what your business does best. We are therefore not as active on our social media profiles, but we are available on them if you want to contact us or send us a message. If you are already a client of ours, here are the faces behind the digital communication.

Ontmoet ons bestuurspan. Ons allokeer die meerderheid van ons kapasiteit aan deeglike en bekostigbare krediet risiko bestuur sodat jy kan fokus op wat jou besigheid die beste doen. Daarom is ons nie so aktief op sosiale media nie, maar is wel beskikbaar daarop indien jy vir ons 'n boodskap wil stuur. Indien jy reeds ‘n kliënt van ons is, hier is die gesigte agter die digitale kommunikasie.

17/04/2024

Recovering overdue accounts can easily turn out to be a nonsensical journey down the rabbit hole. After an over 6 months lag and postponements of court dates, you spend what you recover, if anything, on incurred lawyer fees.

Here is how we navigate this environment and ultimately keep businesses from becoming pawns in a judiciary game of chess where you can only lose more time and money. We effectively prevent defaulters from obtaining further credit after failure to respond to Final Demands within 28 days. We have a “no collection, no fee” policy so you would not be charged for unsuccessful cases. We have a flat rate fee of 15% on monies recovered that is negotiable for higher amounts.

All debtors are not equal and successful credit sales do not always lead to cash flow. Effective credit control aims to eliminate late payments, defaults, and debt collections altogether.

RAS Legal is registered with the Council for Debt Collectors (CFDC), 0109547/18.

20/03/2024

State-owned enterprises need private sector equity partners to turn their fortunes around. Industry updates on seaports, airways, railways and electricity https://bit.ly/43s4KUi