diff --git a/modules/EcommerceFinance/Services/FinanceLedgerShopDataSynchronizer.php b/modules/EcommerceFinance/Services/FinanceLedgerShopDataSynchronizer.php
index fce19e1a..4ff8547a 100644
--- a/modules/EcommerceFinance/Services/FinanceLedgerShopDataSynchronizer.php
+++ b/modules/EcommerceFinance/Services/FinanceLedgerShopDataSynchronizer.php
@@ -156,26 +156,28 @@ class FinanceLedgerShopDataSynchronizer
                 continue;
             }
             $receivingMatches = $receivingByName[$normalized] ?? [];
-            if (count($receivingMatches) !== 1) {
-                continue;
-            }
-
-            $receiving = $receivingMatches[0];
-            $bankLastFour = trim((string) ($receiving->bank_card_last_four ?? ''));
-            $payout = trim((string) ($receiving->withdrawal_account_name ?? ''));
-            if ($bankLastFour !== '') {
-                $payout = trim($payout . ' ' . $bankLastFour);
+            $receiving = count($receivingMatches) === 1 ? $receivingMatches[0] : null;
+            $bankLastFour = $receiving === null ? '' : trim((string) ($receiving->bank_card_last_four ?? ''));
+            $payout = $receiving === null ? '' : trim((string) ($receiving->withdrawal_account_name ?? ''));
+            if ($payout !== '' && $bankLastFour !== '') {
+                $payout .= ' ' . $bankLastFour;
             }
             $insert[] = [
                 'shop_name' => mb_substr($name, 0, 200),
                 'platform' => $this->financialPlatform((string) ($source->source_platform ?? ''), $name),
-                'company_name' => trim((string) ($receiving->store_entity_name ?? '')) ?: null,
+                'company_name' => $receiving === null
+                    ? null
+                    : (trim((string) ($receiving->store_entity_name ?? '')) ?: null),
                 'account_short' => null,
-                'status' => trim((string) ($receiving->store_status ?? '')) ?: '在营',
+                'status' => $receiving === null
+                    ? '待确认'
+                    : (trim((string) ($receiving->store_status ?? '')) ?: '在营'),
                 'payout_account' => $payout !== '' ? mb_substr($payout, 0, 100) : null,
                 'shop_balance' => 0,
                 'shop_balance_date' => null,
-                'remark' => '由店铺收款账户和余额快照补充，待确认回款账户',
+                'remark' => $receiving === null
+                    ? '由聚水潭店铺余额快照补充，待确认回款账户'
+                    : '由店铺收款账户和余额快照补充，待确认回款账户',
                 'created_at' => $now,
                 'updated_at' => $now,
             ];
diff --git a/tests/Feature/Business/FinanceLedgerShopDataSynchronizerTest.php b/tests/Feature/Business/FinanceLedgerShopDataSynchronizerTest.php
index 4f3afbc3..e8cdb249 100644
--- a/tests/Feature/Business/FinanceLedgerShopDataSynchronizerTest.php
+++ b/tests/Feature/Business/FinanceLedgerShopDataSynchronizerTest.php
@@ -87,6 +87,34 @@ class FinanceLedgerShopDataSynchronizerTest extends FeatureTestCase
         $this->assertSame('2026-10-23', substr((string) $shop->shop_balance_date, 0, 10));
     }
 
+    public function test_balance_sync_adds_missing_store_even_when_receiving_account_is_unknown(): void
+    {
+        Carbon::setTestNow('2026-10-24 09:00:00');
+        $this->insertBalance(
+            DB::connection('business_mirror'),
+            '2026-10-23',
+            '京喜-待确认店铺',
+            432.10,
+            '京喜',
+        );
+
+        $result = app(FinanceLedgerShopDataSynchronizer::class)->syncShopBalances('2026-10-23');
+
+        $this->assertSame(1, $result['added']);
+        $shop = DB::connection('business_mirror')->table('fin_shops')
+            ->where('shop_name', '京喜-待确认店铺')
+            ->first();
+        $this->assertNotNull($shop);
+        $this->assertSame('京喜企业店', $shop->platform);
+        $this->assertSame('待确认', $shop->status);
+        $this->assertNull($shop->company_name);
+        $this->assertNull($shop->account_short);
+        $this->assertNull($shop->payout_account);
+        $this->assertSame(432.10, (float) $shop->shop_balance);
+        $this->assertSame('2026-10-23', substr((string) $shop->shop_balance_date, 0, 10));
+        $this->assertStringContainsString('待确认回款账户', (string) $shop->remark);
+    }
+
     public function test_withdrawal_rows_are_mapped_to_shop_account_income_and_are_idempotent(): void
     {
         Carbon::setTestNow('2026-10-24 09:00:00');