What the Asset Investigation Includes:
analytical detail of the report
The Mercurio Institute's Asset Investigation Report is the most comprehensive investigative tool available on the market today for analyzing the solvency of individuals and legal entities.
We designed it specifically to meet the needs of law firms, entrepreneurs, investigative agencies, and private individuals; we don't just aggregate public data, but offer in-depth, verified, and up-to-date investigative analysis.
We curate each section of the report to answer specific legal questions, eliminating false positives and providing only reliable and current data.
Istituto Mercurio's financial investigation is an analytical investigative dossier, designed to support specific legal and non-legal needs. We have structured our investigation to ensure maximum support for every need: from debt collection (both judicial and extrajudicial) aimed at tracing accounts and targeted foreclosures, to pre-credit and pre-contractual business solvency assessments, to the review of maintenance payments in divorce or separation proceedings, and the reconstruction of assets in inheritances.
Quick turnaround times,
updated sources,
complete confidentiality.
We process and deliver the report within approximately 15 days. All information contained in the dossier comes from official sources (Revenue Agency, Land Registry, Chamber of Commerce, ACI/PRA, World-Check) and confidential databases. At Istituto Mercurio, we conduct the investigation with the utmost discretion and client protection.
Certainties, not hypotheses.
Our reporting leaves no gray areas. We provide all the information needed to transform a bad debt into a collection or to define the right and winning strategy for each use.
Below, we analyze in detail the 10 Macro-Areas of investigation included in the service, explaining for each the data provided and the related practical applications:
€ Current Accounts and Liquidity
Survey of the entire national credit system (banks, post offices, online).
- Institutions: Traditional banks, Online banks (Fineco, ING, N26, Revolut with IBAN IT), Poste Italiane.
- Relationships: Ordinary current accounts, bearer passbooks, securities accounts, prepaid cards, account cards.
- Liquidity: Available liquidity or current active balance.
Legal Use Cases:
⚖️ Third Party Seizure (Art. 543 of the Code of Civil Procedure)
⚖️ Precautionary seizure of accounts
⚖️ Maintenance Review (Divorce)
⚖️ Creditworthiness and Solvency Assessment
⚖️ Recovery of Condominium Expenses
⚖️ Check capacity for Balance and Cancellation Transactions
💼 Employee Job
Find current employment information for private, public, and government employees.
- Employer: Company Name, VAT Number, Registered Office (Notification of Documents).
- Contract: Hiring Date (TFR Calculation), Qualification, Expiry Date (if Fixed Term).
- Income: Monthly Salary.
Legal Use Cases:
⚖️ Salary Garnishment
⚖️ Direct seizure of the accrued severance pay
⚖️ Check income capacity for Alimony
⚖️ Creditworthiness assessment for loans
⚖️ Tracing the individual's whereabouts (via workplace)
⚖️ Check the solvency of the guarantor/guarantor
👴 Pensions and Institutions
Check positions for inactive and retired people.
- Institution: INPS, Ex INPDAP, FPLD, Ex ENPALS, ADEPP, Cassa Forense, CNPR, INARCASSA, CIPAG, ENPAM, ENPAB, ENPAV, EPAP, INPGI.
- Type: Old age, Seniority, Reversibility, Disability, Social.
- Amount: Estimated net monthly instalment.
Legal Use Cases:
⚖️ Calculation of the seizable portion (above the minimum vital income)
⚖️ Seizure at the INPS (National Institute for Social Security)
⚖️ Cumulative income (Pension Work)
⚖️ Check attendance allowance (not subject to seizure)
⚖️ Standard of Living Assessment
⚖️ Debt collection from heirs (Reversibility)
🏠 Real Estate and Notarial Deeds
National Land Registry Search.
- Assets: Buildings, Land, Appurtenances.
- Details: Sheet, Parcel, Sub, Category, Income, Real Share.
- History: Check sales/donations/foreclosures for the last 24 months.
Legal Use Cases:
⚖️ Registration of Judicial Mortgage
⚖️ Real Estate Foreclosure
⚖️ Revocation Action (Art. 2901 of the Civil Code) on simulated sales
⚖️ Dissolution of joint ownership of property
⚖️ Inheritance assessment
⚖️ Total value of assets owned
🚗 Current and Historical Vehicles (PRA)
Inspection of the Public Automobile Registry.
- Current: Cars, Motorcycles, Special Vehicles, Agricultural Machinery, Articulated Vehicles, Buses, Camper Vans, Lorries, Articulated Buses, Trailers, Cars, Mopeds, Tracked Vehicles, Trolley Vehicles, Construction Machinery, Motorcycles, Motor Vehicles, Quadricycles, Trailers, Semi-trailers
- Historical: Vehicles with Loss of Possession, Deregistered, Sold, Scrapped or Stolen, with Date.
- Data: License Plate, Chassis, Make, Model, Purchase Date and Registration Date.
Legal Use Cases:
⚖️ Administrative Seizure Registration
⚖️ Seizure of Movables (IVG)
⚖️ Vehicle tracking for return (Leasing)
⚖️ Reconstruction of company fleet
⚖️ Check for fictitious headers (Legal Screen)
⚖️ Standard of Living Analysis (Luxury Cars)
📈 Current Company Shareholdings
Shares and quotas held in Italy.
- Capital companies: SRL Limited liability company, SRLS Simplified limited liability company, SAPA Limited partnership by shares, SPA Joint stock company.
- Partnerships: SNC General partnership, SAS Limited partnership, SS Simple partnership, SC Cooperative company.
- Details: Share value, % ownership, company name and VAT number.
Legal Use Cases:
⚖️ Seizure of Shares (at the Company Register)
⚖️ Seizure of Distributed Profits
⚖️ Extension of bankruptcy (Unlimited liability partner)
⚖️ Conflict of interest assessment
⚖️ Check for "blockheads" or front men
⚖️ Estimated total value of assets
👔 Corporate Roles and Positions
Complete list of ALL positions held (Current and Historical).
List of Charges Detected:
- Partner, Administrator, Managing Director.
- Limited Partner, General Partner, Working Partner.
- Liquidator, Bankruptcy Trustee, Judicial Administrator.
- Vice President, President, Councillor, Mayor, Auditor.
- Attorney, Agent, Director, Technical Manager, Supervisor.
- Owner of a Sole Proprietorship, Agent, Auditor.
Legal Use Cases:
⚖️ Seizure of Administrator's Fees
⚖️ Liability Action against the Legal Representative
⚖️ Notification of documents to the company (via the legal representative)
⚖️ Check signing powers for contracts
⚖️ Identification of fallible subject
⚖️ Analysis of hidden business relationships
📊 Latest Filings
In-depth economic and financial analysis (only for legal entities).
- Optical Balance Sheet: Summary transcription of the latest available balance sheets.
- Reclassification: Turnover, Profit, EBITDA, Debts, Credits.
- Technical Judgement: Fiscal Analysis, Commercial Trend, Forecast for next balance sheet.
Legal Use Cases:
⚖️ Bankruptcy Application (Check Insolvency Status)
⚖️ Strategic Supplier Evaluation
⚖️ Granting payment deferrals
⚖️ Competitor analysis
⚖️ Due Diligence for Acquisitions
⚖️ Immediate future economic and financial assessment
🚫 Protests and Prejudices
Check for official negative events.
- Registry Office: Judicial Mortgages, Real Estate Foreclosures, Seizures, Summonses.
- Court: Bankruptcy Sentences, Insolvency Proceedings, Injunctions.
- Chamber of Commerce: Protests on Bills of Exchange, Cheques, Drafts.
Legal Use Cases:
⚖️ Debt collection risk assessment (competing creditors)
⚖️ Filing of bankruptcy liabilities
⚖️ Intervention in already open enforcement proceedings
⚖️ Supply freeze due to insolvency
⚖️ Termination for just cause
⚖️ Evaluation of residual real estate guarantees
🌍 Anti-Money Laundering and Compliance (16 Datasets)
Verification in the World Compliance Lists pursuant to Legislative Decree 231/2007 and international regulations.
I 16 Dataset Check:
- RRE: Reputational Risk Exposure
- DD: Disqualified Directors - UK only
- INS: Insolvency - UK and Ireland only
- REL: Regulatory Enforcement List
- GRI: Gambling Risk Intelligence
- POI: Profile of Interest
- PEP: Politically Exposed Person
- PEP-LINKED: Politically Exposed Person - Linked
- PEP-CURRENT: Politically Exposed Person - Current
- PEP-FORMER: Politically Exposed Person - Former
- SAN: Sanctions
- SAN-FORMER: Sanctions - Past (Former)
- SAN-CURRENT: Sanctions - Present (Sanctions - Current) - Current)
- SOE: State-Owned Enterprises
- SOE-CURRENT: State-Owned Enterprises - Current
- SOE-FORMER: State-Owned Enterprises - Former
Legal Use Cases:
⚖️ Customer Due Diligence (KYC)
⚖️ Business Partner Integrity
⚖️ Compliance for Tax Withholding Agents
⚖️ Financial crime prevention
⚖️ Corporate and personal reputation protection
⚖️ Screening of foreign suppliers