Filer T004 (T004) — 8-K
Test headline for bankruptcy
Test summary
Credit events from SEC filings, minutes after they're filed.
Item 2.04 watches every 8-K, 10-Q, 10-K and NT filing on EDGAR and alerts you when a borrower takes on debt, amends or breaches a facility, gets a going-concern warning, files late, or loses its CFO or auditor.
Item 2.04 monitors every SEC filer across 8-K, 10-Q, 10-K, and NT filings. When a credit event is detected, you get an email or Slack message with the filing's own language quoted verbatim. Median filed-to-alert time over the last 7 days: 1 minutes.
Live: recent credit events
Filer T002 (T002) — 8-K
Test headline for going_concern
Test summary
Filer T001 (T001) — 8-K
Test headline for event_of_default
Test summary
ADAPTIN BIO, INC. (APTN) — 8-K
No covenant-related signal detected in the provided 8-K index slice.
The supplied slice contains only the 8-K cover page and exhibit index for ADAPTIN BIO, INC. It does not include the Item 8.01 body or any press release text, so there is no evidence of a new facility, amendment, waiver, forbearance, default, acceleration, going-concern issue, late filing, delisting notice, impairment, restructuring charge, bankruptcy, CFO departure, auditor change, non-reliance, 8
ADAPTIN BIO, INC. (APTN) — 8-K
No covenant-related signal detected in the provided 8-K index slice.
The supplied slice contains only the 8-K cover page and exhibit index for ADAPTIN BIO, INC. It does not include the Item 8.01 body or any press release text, so there is no evidence of a new facility, amendment, waiver, forbearance, default, acceleration, going-concern issue, late filing, delisting notice, impairment, restructuring charge, bankruptcy, CFO departure, auditor change, non-reliance, 8
ADAPTIN BIO, INC. (APTN) — 8-K
No covenant-related signal detected in the provided 8-K index slice.
The supplied slice contains only the 8-K cover page and exhibit index for ADAPTIN BIO, INC. It does not include the Item 8.01 body or any press release text, so there is no evidence of a new facility, amendment, waiver, forbearance, default, acceleration, going-concern issue, late filing, delisting notice, impairment, restructuring charge, bankruptcy, CFO departure, auditor change, non-reliance, 8
ADAPTIN BIO, INC. (APTN) — 8-K
No covenant-related signal detected in the provided 8-K index slice.
The supplied slice contains only the 8-K cover page and exhibit index for ADAPTIN BIO, INC. It does not include the Item 8.01 body or any press release text, so there is no evidence of a new facility, amendment, waiver, forbearance, default, acceleration, going-concern issue, late filing, delisting notice, impairment, restructuring charge, bankruptcy, CFO departure, auditor change, non-reliance, 8
ADAPTIN BIO, INC. (APTN) — 8-K
No covenant-related signal detected in the provided 8-K index slice.
The supplied slice contains only the 8-K cover page and exhibit index for ADAPTIN BIO, INC. It does not include the Item 8.01 body or any press release text, so there is no evidence of a new facility, amendment, waiver, forbearance, default, acceleration, going-concern issue, late filing, delisting notice, impairment, restructuring charge, bankruptcy, CFO departure, auditor change, non-reliance, 8
ADAPTIN BIO, INC. (APTN) — 8-K
No covenant-related signal detected in the provided 8-K index slice.
The supplied slice contains only the 8-K cover page and exhibit index for ADAPTIN BIO, INC. It does not include the Item 8.01 body or any press release text, so there is no evidence of a new facility, amendment, waiver, forbearance, default, acceleration, going-concern issue, late filing, delisting notice, impairment, restructuring charge, bankruptcy, CFO departure, auditor change, non-reliance, 8
ADAPTIN BIO, INC. (APTN) — 8-K
No covenant-related signal detected in the provided 8-K index slice.
The supplied slice contains only the 8-K cover page and exhibit index for ADAPTIN BIO, INC. It does not include the Item 8.01 body or any press release text, so there is no evidence of a new facility, amendment, waiver, forbearance, default, acceleration, going-concern issue, late filing, delisting notice, impairment, restructuring charge, bankruptcy, CFO departure, auditor change, non-reliance, 8
ADAPTIN BIO, INC. (APTN) — 8-K
No covenant-related signal detected in the provided 8-K index slice.
The supplied slice contains only the 8-K cover page and exhibit index for ADAPTIN BIO, INC. It does not include the Item 8.01 body or any press release text, so there is no evidence of a new facility, amendment, waiver, forbearance, default, acceleration, going-concern issue, late filing, delisting notice, impairment, restructuring charge, bankruptcy, CFO departure, auditor change, non-reliance, 8
ADAPTIN BIO, INC. (APTN) — 8-K
No covenant-related signal detected in the provided 8-K index slice.
The supplied slice contains only the 8-K cover page and exhibit index for ADAPTIN BIO, INC. It does not include the Item 8.01 body or any press release text, so there is no evidence of a new facility, amendment, waiver, forbearance, default, acceleration, going-concern issue, late filing, delisting notice, impairment, restructuring charge, bankruptcy, CFO departure, auditor change, non-reliance, 8
ADIAL PHARMACEUTICALS, INC. (ADIL) — 8-K
Adial Pharmaceuticals reported a delisting notice under Item 3.01 of Form 8-K.
The 8-K header identifies the report as a Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing, triggering a delisting_notice signal with base severity 4.
What Item 2.04 catches
| Signal type | Trigger |
|---|---|
| Event of default (Item 2.04) | Borrower fails to meet a covenant or payment obligation |
| Covenant waiver | Lender waives a covenant breach or modifies terms |
| Forbearance agreement | Lender agrees not to exercise default remedies for a period |
| Going concern — substantial doubt | Auditor or management raises substantial doubt about viability |
| New credit agreement (Item 2.03) | New credit agreement, term loan, or revolving facility |
| Credit facility amendment | Amendment to an existing credit agreement |
| Late filing (NT 10-Q / NT 10-K) | Company files NT 10-Q or NT 10-K for a delayed periodic report |
| Delisting notice (Item 3.01) | Exchange issues a deficiency or delisting notice |
| Non-reliance on financials (Item 4.02) | Company says prior financials should not be relied upon |
| Auditor change (Item 4.01) | Company changes its independent auditor |
| CFO departure (Item 5.02) | CFO or principal accounting officer departs |
| Bankruptcy (Item 1.03) | Voluntary or involuntary bankruptcy petition filed |
| Material impairment (Item 2.06) | Impairment charge on goodwill, intangibles, or long-lived assets |
| Restructuring charge (Item 2.05) | Restructuring charge or plan announced |
| Liquidity warning | Management discloses material liquidity risk |
| Debt acceleration | Lender accelerates outstanding debt |
How alerts arrive
- Immediate email
- Every critical signal across all SEC filers, within minutes. Each alert quotes the filing verbatim and links directly to EDGAR. Add a watchlist of borrowers to receive alerts at lower severity thresholds.
- Slack
- Same content delivered to a Slack channel of your choice, one message per signal.
- Daily digest
- All signals from the prior day, grouped by severity and type. Sent at 07:30 ET on business days.
- Watchlists
- Name the borrowers you follow. Watchlist signals trigger immediate alerts at severity 3 and above, and always appear in your digest.
Pricing
Trial
$0 for 60 days
- 1 seat
- Up to 200 watchlist names
- Slack integration
- Full alert content
Team
$799 / month
- Up to 5 recipients
- Up to 2,000 watchlist names
- Slack integration
- Full alert content
Questions
Where does the data come from?
Every alert is derived from public SEC filings: 8-K, 10-Q, 10-K, and NT forms. Item 2.04 downloads filings from EDGAR, extracts the relevant sections, and classifies them by credit-event type. Every alert quotes the filing directly and links to the source on EDGAR.
How fast are 8-K alerts?
The median time from a filing appearing on EDGAR to your inbox is 1 minutes. Processing starts within seconds of the filing appearing on EDGAR. Delivery time depends on filing length and queue depth.
How is severity decided?
Each signal is model-classified, rule-scored, quote-verified. A rules engine evaluates the extracted facts against severity criteria: critical (5) signals involve direct obligations like defaults, bankruptcy, or going-concern doubts; high (4) signals cover new facilities, amendments, and delisting. You can see the scoring rationale in each alert under "Why this severity."
Can I watch a list of borrowers?
Yes. Provide a list of tickers or CIKs and Item 2.04 will alert you on any filing for those names at severity 3 and above, and include all their signals in your daily digest regardless of severity.
What if an alert is wrong?
Every alert carries verbatim quotes from the filing and a direct link to the source on EDGAR. If you find an alert that misclassifies or misrepresents a filing, reply to the alert or email us. We investigate every report and retrain when warranted.
How do I cancel?
Email us or reply to any alert. Billing is monthly through Stripe; cancellation takes effect at the end of the current billing period. No refunds for partial months.