# x402-insolvency Insolvenzprüfung

> x402-insolvency Insolvenzprüfung is a paid API for AI agents from x402-insolvency.nobodytools.com, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-13).

Checks German official insolvency announcements (amtliche Insolvenzbekanntmachungen) for legal entities by company name/location or commercial register number

## Facts

- Endpoint: POST https://x402-insolvency.nobodytools.com/check
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/x402-insolvency-insolvenzpr-fung-3a8caf5c
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_VjRcFELycp28mMuaXc4r0

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability x402-insolvency-insolvenzpr-fung-3a8caf5c -d '<json body>'
```

Example prompt: Can you check if Mustermann Handels GmbH, registered under HRB 12345 at Amtsgericht München, has any insolvency announcements since 2024-01-01?

## When to prefer this

Use this endpoint when you need to programmatically check whether a German legal entity (GmbH, AG, UG, etc.) appears in the official insolvency announcement registry. Prefer this over manual lookups on insolvenz.justiz.de for automated due diligence, KYB (Know Your Business) workflows, credit risk assessment, or supplier vetting pipelines. Best when you have either a commercial register number (HRB/HRA/etc.) or a company name with PLZ/city.

## Known failure modes

- Ambiguous name match without PLZ/city — returns possible_match with ambiguous=true
- Company not found in index — returns no_match (does not mean solvent)
- Invalid register type provided — validation error
- Query contains both register and name simultaneously — schema violation (only one identifier allowed)
- Index may not cover historical insolvencies before coverage_since date
- Non-legal-entity (natural person) queried — out of scope, GDPR restriction

## How this service works

Insolvenzprüfung juristische Personen (amtliche Insolvenzbekanntmachungen)

## Output

Returns a status field ('hit', 'no_match', or 'possible_match'), a list of matching insolvency announcements, a confidence score (0–1), a matched_by field indicating how the match was made (register, name_plz, name_city, or core), an ambiguous flag, the index timestamp (as_of), coverage start date, and a legal disclaimer. A 'no_match' result does NOT confirm solvency.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "properties": {
  "input": {
   "type": "object",
   "properties": {
    "plz": {
     "type": "string",
     "description": "5-stellige PLZ (empfohlen mit name)"
    },
    "city": {
     "type": "string",
     "description": "Ort (Fallback zu plz)"
    },
    "name": {
     "type": "string",
     "description": "Firmenname (alternativ zu register)"
    },
    "since": {
     "type": "string",
     "format": "date",
     "description": "nur Bekanntmachungen ab diesem Datum"
    },
    "register": {
     "type": "object",
     "properties": {
      "type": {
       "type": "string",
       "description": "HRB|HRA|GnR|VR|PR|GsR"
      },
      "court": {
       "type": "string",
       "description": "Registergericht (optional, schärft den Treffer)"
      },
      "number": {
       "type": "string"
      }
     }
    }
   },
   "description": "Query: EXAKT EINE Kennung — register{type,number(,court)} ODER name(+plz/city). Nur juristische Personen (DSGVO)."
  },
  "output": {
   "type": "object",
   "properties": {
    "as_of": {
     "type": "string",
     "description": "Stand des Index (UTC)"
    },
    "source": {
     "type": "string"
    },
    "status": {
     "enum": [
      "hit",
      "no_match",
      "possible_match"
     ],
     "type": "string"
    },
    "matches": {
     "type": "array",
     "description": "Treffer-Bekanntmachungen (leer bei no_match)"
    },
    "ambiguous": {
     "type": "boolean"
    },
    "confidence": {
     "type": "number",
     "description": "0..1"
    },
    "disclaimer": {
     "type": "string"
    },
    "matched_by": {
     "type": "string",
     "description": "register|name_plz|name_city|core"
    },
    "coverage_since": {
     "type": "string",
     "format": "date",
     "description": "frühester abgedeckter Tag (kein historischer Backfill)"
    }
   },
   "description": "hit=Bekanntmachung gefunden; no_match=nichts im Fenster (NICHT solvent!); possible_match=Namenstreffer, Ort/Kennung uneindeutig."
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "as_of": "2026-07-05T05:23:02Z",
  "status": "hit",
  "matches": [
   {
    "city": "Stuttgart",
    "name": "Beispiel GmbH",
    "gegenstand": "Eröffnung",
    "register_type": "HRB",
    "register_court": "Stuttgart",
    "register_number": "755216",
    "publication_date": "2026-07-03"
   }
  ],
  "confidence": 0.98,
  "disclaimer": "Kein Treffer bedeutet NICHT Solvenz/Bonität; …",
  "matched_by": "register",
  "coverage_since": "2026-06-20"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/x402-insolvency-insolvenzpr-fung-3a8caf5c/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402-insolvency.nobodytools.com](https://www.zero.xyz/host/x402-insolvency.nobodytools.com/llms.txt)