diagnostico

To assess insolvency under Spain's TRLC, you need the debtor's legal form, balance sheet figures, income statement, near-term maturities, current defaults, and enforcement actions. The diagnosis evaluates objective and subjective indicators to determine if the debtor is in actual, imminent, or probable insolvency.

A pre-concurso communication under TRLC art. 583 is recommended when insolvency is imminent or probable, while a direct voluntary or necessary bankruptcy request applies when insolvency is actual. The Skill compares these procedural paths including critical timelines and risk notes.

TRLC insolvency criteria evaluate both objective budgets, such as balance sheet figures and default status, and subjective budgets based on the debtor's inability to meet obligations. The diagnosis applies these indicators to classify the insolvency as actual, imminent, or probable.

Choosing between voluntary and necessary concurso depends on whether the debtor files proactively or a creditor forces the action. The diagnosis report compares both procedural options with their key deadlines and risk notes, guiding the selection based on the debtor's specific financial situation.

The insolvency diagnosis output is structured as a drafting-ready template for review by a licensed insolvency professional. It explicitly flags missing data and verification points, meaning it serves as an orientation report rather than a direct legal filing document.