diff --git a/mcp_backend/src/api/__tests__/ip-objects-tools.test.ts b/mcp_backend/src/api/__tests__/ip-objects-tools.test.ts
index 2511d5c2..dbdf953e 100644
--- a/mcp_backend/src/api/__tests__/ip-objects-tools.test.ts
+++ b/mcp_backend/src/api/__tests__/ip-objects-tools.test.ts
@@ -209,5 +209,95 @@ describe('IpObjectsTools', () => {
     // enrichment tools were orchestrated via the registry
     const called = registry.executeTool.mock.calls.map((c: any[]) => c[0]);
     expect(called).toEqual(expect.arrayContaining(['search_court_decisions', 'get_legislation_section']));
+    // legal entity: owner check via EDRPOU, no skip marker
+    expect(called).toContain('openreyestr_get_by_edrpou');
+    expect(p.owner_check).toEqual({ ok: true });
+  });
+
+  // A dossier DB mock: disambiguation + card (customisable) + no events/collisions.
+  function makeDossierDb(cardRow: any) {
+    return makeDb((sql) => {
+      if (sql.includes('ip_object_events')) return { rows: [] };
+      if (sql.includes('similarity(title_ua')) return { rows: [] };
+      if (sql.includes('obj_type = 4 ORDER BY obj_state')) return { rows: [cardRow] };
+      return { rows: [{ obj_type: 4, obj_type_name: 'Торговельні марки', obj_state: 2,
+        app_number: cardRow.app_number, registration_number: cardRow.registration_number,
+        title_ua: cardRow.title_ua, owner_name: cardRow.owner_name, status: 'green' }] };
+    });
+  }
+
+  it('get_trademark_dossier marks owner_check as service_unavailable when the EDRPOU lookup fails', async () => {
+    const db = makeDossierDb({ ...tmRow, obj_state: 2, registration_number: '67482', raw_data: {} });
+    const registry = { executeTool: jest.fn(async (name: string) =>
+      name === 'openreyestr_get_by_edrpou'
+        ? { isError: true, content: [{ type: 'text', text: 'down' }] }
+        : { content: [{ type: 'text', text: '{"ok":true}' }] }) };
+    const tool = new IpObjectsTools(db, registry);
+    const p = parse(await tool.executeTool('get_trademark_dossier', { number: '67482' }));
+    expect(p.owner_check).toEqual({ skipped: true, reason: 'service_unavailable' });
+  });
+
+  it('get_trademark_dossier fans out by name for an individual owner (no EDRPOU)', async () => {
+    const individual = {
+      ...tmRow, obj_state: 2, registration_number: '67482',
+      owner_name: 'Дьяконенко Олександр Євгенович', owner_edrpou: null, owner_kind: 'individual',
+      raw_data: { HolderDetails: { Holder: [{ HolderAddressBook: { FormattedNameAddress: {
+        Address: { AddressCountryCode: 'UA', FreeFormatAddress: { FreeFormatAddressLine: 'вул. Тестова, 1, м. Київ' } },
+      } } }] } },
+    };
+    const db = makeDossierDb(individual);
+    const registry = { executeTool: jest.fn(async (name: string) =>
+      name === 'openreyestr_search_debtors'
+        ? { content: [{ type: 'text', text: '{"results":[{"debtor_name":"Дьяконенко О.Є."}]}' }] }
+        : { content: [{ type: 'text', text: '{"results":[]}' }] }) };
+    const tool = new IpObjectsTools(db, registry);
+    const p = parse(await tool.executeTool('get_trademark_dossier', { number: '67482' }));
+
+    const check = p.owner_check;
+    expect(check.skipped).toBeUndefined();
+    expect(check.match_basis).toBe('name_only');
+    expect(check.owner_address).toBe('вул. Тестова, 1, м. Київ');
+    expect(check.probable_matches.debtors.results[0].debtor_name).toBe('Дьяконенко О.Є.');
+    expect(Object.keys(check.probable_matches)).toEqual(expect.arrayContaining([
+      'debtors', 'enforcement_proceedings', 'bankruptcy_cases', 'sanctions',
+      'business_entities', 'ip_portfolio', 'court_hearings',
+    ]));
+
+    const calls = registry.executeTool.mock.calls;
+    const byTool = (n: string) => calls.filter((c: any[]) => c[0] === n).map((c: any[]) => c[1]);
+    expect(calls.map((c: any[]) => c[0])).not.toContain('openreyestr_get_by_edrpou');
+    expect(byTool('openreyestr_search_debtors')[0]).toMatchObject({ query: 'Дьяконенко Олександр Євгенович' });
+    expect(byTool('search_registry')[0]).toMatchObject({ registry: 'sanctions', filters: { name: 'Дьяконенко Олександр Євгенович' } });
+    expect(byTool('search_ip_objects')[0]).toMatchObject({ owner: 'Дьяконенко Олександр Євгенович' });
+    expect(byTool('search_court_hearing_schedule')[0]).toMatchObject({ participant: 'Дьяконенко Олександр Євгенович' });
+    // volume capped per source
+    for (const [name, args] of calls as unknown as Array<[string, any]>) {
+      if (name !== 'search_court_decisions' && name !== 'get_legislation_section') {
+        expect(args.limit).toBeLessThanOrEqual(10);
+      }
+    }
+  });
+
+  it('get_trademark_dossier marks a failed fan-out source without failing the dossier', async () => {
+    const individual = { ...tmRow, obj_state: 2, registration_number: '67482',
+      owner_name: 'Дьяконенко Олександр Євгенович', owner_edrpou: null, raw_data: {} };
+    const db = makeDossierDb(individual);
+    const registry = { executeTool: jest.fn(async (name: string) => {
+      if (name === 'openreyestr_search_debtors') throw new Error('service down');
+      return { content: [{ type: 'text', text: '{"results":[]}' }] };
+    }) };
+    const tool = new IpObjectsTools(db, registry);
+    const p = parse(await tool.executeTool('get_trademark_dossier', { number: '67482' }));
+    expect(p.owner_check.probable_matches.debtors).toEqual({ skipped: true, reason: 'service_unavailable' });
+    expect(p.owner_check.probable_matches.sanctions).toEqual({ results: [] });
+  });
+
+  it('get_trademark_dossier skips owner_check with a reason when there is no owner at all', async () => {
+    const db = makeDossierDb({ ...tmRow, obj_state: 2, registration_number: '67482',
+      owner_name: null, owner_edrpou: null, raw_data: {} });
+    const registry = { executeTool: jest.fn(async () => ({ content: [{ type: 'text', text: '{"ok":true}' }] })) };
+    const tool = new IpObjectsTools(db, registry);
+    const p = parse(await tool.executeTool('get_trademark_dossier', { number: '67482' }));
+    expect(p.owner_check).toEqual({ skipped: true, reason: 'no_owner_identifier' });
   });
 });
diff --git a/mcp_backend/src/api/tools/ip-objects-tools.ts b/mcp_backend/src/api/tools/ip-objects-tools.ts
index 70b865b9..ad0f3480 100644
--- a/mcp_backend/src/api/tools/ip-objects-tools.ts
+++ b/mcp_backend/src/api/tools/ip-objects-tools.ts
@@ -20,6 +20,8 @@ const OBJ_TYPES = [1, 2, 4, 6];
 const OBJ_STATES = [1, 2];
 const DEFAULT_LIMIT = 50;
 const MAX_LIMIT = 100;
+// Per-source cap for the individual-owner name fan-out in the dossier.
+const OWNER_FANOUT_LIMIT = 10;
 
 // Columns returned by the list tools — compact, panel-friendly (no raw_data).
 const LIST_COLUMNS = `id, obj_type, obj_type_name, obj_state, app_number, app_date,
@@ -419,6 +421,58 @@ export class IpObjectsTools extends BaseToolHandler {
     }
   }
 
+  /**
+   * Owner check for the dossier. Legal entities (owner_edrpou present) are
+   * resolved deterministically via the state register. Individuals have no
+   * РНОКПП in the TM registry, so the only key is the full name — fan out
+   * best-effort across public registers and mark everything as name-only
+   * probable matches (однофамільці possible; owner_address is attached for
+   * manual cross-checking). A downed service never fails the dossier: it is
+   * reported as { skipped, reason: 'service_unavailable' } instead of null,
+   * so "nothing to check" and "service down" stay distinguishable.
+   */
+  private async buildOwnerCheck(tm: any): Promise<any> {
+    if (tm.owner_edrpou) {
+      const entity = await this.callTool('openreyestr_get_by_edrpou', { edrpou: tm.owner_edrpou });
+      return entity ?? { skipped: true, reason: 'service_unavailable' };
+    }
+    const ownerName = String(tm.owner_name ?? '').trim();
+    if (!ownerName) return { skipped: true, reason: 'no_owner_identifier' };
+
+    const sources: Array<[key: string, tool: string, args: any]> = [
+      ['debtors', 'openreyestr_search_debtors', { query: ownerName, limit: OWNER_FANOUT_LIMIT }],
+      ['enforcement_proceedings', 'openreyestr_search_enforcement_proceedings', { query: ownerName, limit: OWNER_FANOUT_LIMIT }],
+      ['bankruptcy_cases', 'openreyestr_search_bankruptcy_cases', { query: ownerName, limit: OWNER_FANOUT_LIMIT }],
+      ['sanctions', 'search_registry', { registry: 'sanctions', filters: { name: ownerName }, limit: OWNER_FANOUT_LIMIT }],
+      // ФОП / участь у юрособах
+      ['business_entities', 'openreyestr_search_entities', { query: ownerName, limit: OWNER_FANOUT_LIMIT }],
+      // решта портфеля ІВ цього власника
+      ['ip_portfolio', 'search_ip_objects', { owner: ownerName, limit: OWNER_FANOUT_LIMIT }],
+      ['court_hearings', 'search_court_hearing_schedule', { source: 'opendata', participant: ownerName, limit: OWNER_FANOUT_LIMIT }],
+    ];
+    const settled = await Promise.all(sources.map(async ([key, toolName, toolArgs]) => {
+      const res = await this.callTool(toolName, toolArgs);
+      return [key, res ?? { skipped: true, reason: 'service_unavailable' }] as const;
+    }));
+
+    return {
+      match_basis: 'name_only',
+      owner_name: ownerName,
+      owner_address: this.extractOwnerAddress(tm.raw_data),
+      caveat: 'Збіги знайдено лише за ПІБ — у реєстрі ТМ немає РНОКПП, можливі однофамільці. Звірте owner_address із адресами у знайдених записах вручну.',
+      probable_matches: Object.fromEntries(settled),
+    };
+  }
+
+  /** Owner address lives only in the SIS dossier (raw_data), not in a column. */
+  private extractOwnerAddress(raw: any): any {
+    const party = raw?.HolderDetails?.Holder?.[0]?.HolderAddressBook
+      ?? raw?.ApplicantDetails?.Applicant?.[0]?.ApplicantAddressBook;
+    const address = party?.FormattedNameAddress?.Address;
+    if (!address) return null;
+    return address.FreeFormatAddress?.FreeFormatAddressLine ?? address.FreeFormatAddressLine ?? address;
+  }
+
   /**
    * One-shot full trademark dossier (matches the reference artifact layout):
    * disambiguation → registry card + events + legal_status → collisions →
@@ -491,10 +545,8 @@ export class IpObjectsTools extends BaseToolHandler {
         }
       }
 
-      // 4-6. Enrichment via other tools (best-effort, null when a service is down).
-      const owner_check = tm.owner_edrpou
-        ? await this.callTool('openreyestr_get_by_edrpou', { edrpou: tm.owner_edrpou })
-        : null;
+      // 4-6. Enrichment via other tools (best-effort, skip markers when a service is down).
+      const owner_check = await this.buildOwnerCheck(tm);
       const court_practice = await this.callTool('search_court_decisions', {
         mode: 'fulltext', justice_kind: 3, limit: 5,
         query: `${tm.title_ua} свідоцтво недійсне торговельна марка`,
@@ -522,7 +574,7 @@ export class IpObjectsTools extends BaseToolHandler {
         court_practice,
         temporal,
         owner_check,
-        guidance: 'Сформуй повне досьє за розділами: (1) Дизамбігуація та мета; (2) Реєстрові дані та статус; (3) Обсяг охорони (класи МКТП); (4) Правоволодіння; (5) Перевірка на «зіткнення» — таблиця схожих позначень із рівнем ризику, познач найсильніший блокер; (6) Судова практика з ланцюгом інстанцій і статусом позицій; (7) Темпоральний зріз ст. 6 ЗУ №3689-XII (редакція на дату заявки vs чинна); (8) Перевірка правовласника; (9) Підсумок і ризики.',
+        guidance: 'Сформуй повне досьє за розділами: (1) Дизамбігуація та мета; (2) Реєстрові дані та статус; (3) Обсяг охорони (класи МКТП); (4) Правоволодіння; (5) Перевірка на «зіткнення» — таблиця схожих позначень із рівнем ризику, познач найсильніший блокер; (6) Судова практика з ланцюгом інстанцій і статусом позицій; (7) Темпоральний зріз ст. 6 ЗУ №3689-XII (редакція на дату заявки vs чинна); (8) Перевірка правовласника — якщо owner_check.match_basis="name_only", познач збіги як ймовірні (можливі однофамільці) і запропонуй адресну звірку за owner_address; (9) Підсумок і ризики.',
       };
       return this.wrapResponse(dossier);
     } catch (error: any) {