7. Trade & Other Receivables

Actual
2008
$000
  Actual
2009
$000
4,044 Debtors to non-related parties 4,142
(26) Less: provision for doubtful debts (47)
4,018 Net debtors 4,095
5,752 Monies receivable from the Crown 3,132
9,770 Total trade and other receivables 7,227

Trade receivables are shown net of provision for doubtful debts amounting to $0.047 million (2008: $0.026 million) recognised in the current year.

All debtors are non-interest bearing and are normally settled on the 20th of the month following the date of invoice unless specific legislative terms apply; therefore, the carrying value of trade and other receivables approximates their fair value due to their short-term nature.

Those specific debtors that are insolvent are fully provided for. As at 30 June 2009, the Department has identified no debtors (2008: nil) that are insolvent.

The Department has no significant exposure to credit risk, as it has a policy that all customers who wish to trade on credit terms are subject to credit verification procedures, including an assessment of their independent credit rating. Risk limits are set for each individual customer; these risk limits are regularly monitored. In addition, receivable balances are monitored on an ongoing basis, with the result that the Department's exposure to bad debts is not significant.

All overdue receivables have been assessed for impairment and appropriate provisions applied, as follows:

Actual
2008
$000
  Actual
2009
$000
2 Balance at 1 July 26
24 Additional provisions made during the year (see note 6) 26
Receivables written off during the period (5)
26 Balance as at 30 June 47

As at 30 June 2009 and 2008, all overdue receivables have been assessed for impairment and appropriate provisions applied, as detailed below:

  Gross 2008
Impairment
Net   Gross 2009
Impairment
Net
Not pass due 3,570 3,570   3,518 3,518
Past due 1-30 days 267 267   273 273
Past due 31-60 days 149 149   109 109
Past due 61-90 days 28 28   64 64
Past due > 91 days 30 (26) 4   178 (47) 131
Total 4,044 (26) 4,018   4,142 (47) 4,095