見張り· The watchman
Mihari continuously watches the New Zealand Business Number register, the Insolvency Register, the Companies Office, the Gazette, and the Disqualified Directors Register. When a company on your watchlist shows signs of distress, you hear about it the same day — not the next quarter.
About
Most credit failures don’t come out of nowhere. A company that’s about to default almost always leaves a paper trail weeks before the cheque bounces — a director resigns, an address moves, a statutory demand gets gazetted, a related entity is wound up. The signals are there. They’re just buried across five different government websites that nobody has time to check.
Mihari is a watchman. It reads those registers on your behalf, every working day. When something changes for a company on your watchlist, you hear about it — classified by severity, with the source cited and the change spelled out.
We don’t predict defaults. We just make sure you’re not the last to know about one.
How it works
Search the NZBN register by company name or number, or upload a CSV of the customers and suppliers you care about. Bulk-add hundreds at a time.
Every thirty minutes during business hours, Mihari reads each government register and compares the result to the last known state of every entity on your list. Only genuine changes are kept.
Events are classified — red for insolvency and liquidation, amber for director and shareholding changes, green for routine filings. Per-entity recipient lists route red alerts to whoever should act.
What you get
Decide, for each company you watch, which categories fire alerts. Fourteen toggles covering status, insolvency, directors, officers, shareholders, names, addresses, gazette notices, filings, contacts, industry, disqualifications, and cross-entity risk.
Each watched entity has its own email list, so your credit team sees one set of alerts and your legal counsel another. No single-inbox noise.
Every event is triaged: red for insolvency, liquidation, and disqualification; amber for director movement, shareholding, and address changes; green for routine compliance filings. Read what matters first.
Every alert cites the authoritative source — NZBN, Insolvency Register, Companies Office, Gazette, or Disqualified Directors. No aggregation, no guesswork, no scraped credit-bureau data.
Multiple events on the same company in the same cycle? They arrive as one digest email, not five pings. Single events still go as single alerts.
Adding a new company doesn’t flood you with alerts for pre-existing state. Baseline events are silent on first add — real changes start from there.
Coverage
A selection. Every event type is defined, severity-ranked, and sourced to a New Zealand government register:
| Severity | Event | Source |
|---|---|---|
| Red | Company placed into liquidation | NZBN · Insolvency Register |
| Red | Application to liquidate filed | NZ Gazette |
| Red | Creditors' meeting notice | NZ Gazette |
| Red | Liquidator / administrator appointed | NZ Gazette · NZBN |
| Red | Watershed meeting notice | NZ Gazette |
| Red | Director personally bankrupted | Insolvency Register |
| Red | Director disqualified | Disqualified Directors |
| Red | Compromise or arrangement notice | NZ Gazette |
| Red | Removal from register commenced | NZBN |
| Amber | Director resigned or appointed | NZBN |
| Amber | Ultimate holding company changed | NZBN |
| Amber | Shareholding restructured | NZBN |
| Amber | Officer role (trustee / partner) change | NZBN |
| Amber | Related company in distress | Companies Office |
| Amber | Company name changed | NZBN |
| Amber | Entity status change (non-distress) | NZBN |
| Green | Annual return filed | NZBN |
| Green | Registered address changed | NZBN |
| Green | Service address changed | NZBN |
| Green | Contact details updated | NZBN |
| Green | Industry classification updated | NZBN |
| Green | Trading name added / removed | NZBN |
Mihari monitors every entity on your watchlist against all five registers every cycle. The full trigger list runs to 80+ distinct events.
Why Mihari
Checking registers by hand
Forgotten until the customer goes silent on their invoice. By then, the liquidator is already appointed.
The bank reference you got on onboarding
Accurate at point of signing; stale six months later. A snapshot, never a watch.
A traditional credit bureau subscription
Excellent data, but priced for enterprise credit teams and charged per lookup. Overkill for watching a defined book of customers — and still requires you to remember to ask.
Mihari watches so you don’t have to remember to. Every half hour, every business day, a fresh read of the registers — pushed to your inbox the moment something genuinely changes.
FAQ
見張り
Set up a watchlist in under two minutes. Free while in early access.