Spectral Energy Distribution (SED) of the broad-band continuum emission from black-hole accretion discs can serve as a tool to measure parameters of the central body and constrain the geometry of the inner accretion flow. We focus on the case of an active galactic nucleus (AGN), with an accretion disc dominating the UV/optical bands. We parameterize the changes in the thermal and power-law components, which can reveal the diminution of the emissivity. To this end we explore the effects of gaps in the accretion disc and the emerging SED that can be caused by the presence of either (i) the inner, optically thin, radiatively inefficient hot flow; (ii) a secondary black hole embedded within the accretion disc; or (iii) a combination of both components. We suggest that the resulting changes in the SED of the underlying continuum can help us to understand some departures from the standard-disc scenario. We estimate that the data required for such a project must be sampled in detail over the far-UV to soft X-ray bands during the interval of about a month corresponding to the characteristic variability timescale of an AGN. Detecting a gap at intermediate radii of a few 100 gravitational radii would require quality photometry with uncertainties up to $\sim 1~{{\%}}$. The presence of the central cavity in the standard disc can be recovered in UV photometric data with an accuracy of 5% and better. We show the effect of the intrinsic reddening of the source and demonstrate when it can be disentangled.

In nuclei of galaxies, strong tidal forces can destroy stars passing within a critical distance from the central supermassive black hole (SMBH). Observational signatures of tidal disruption events (TDEs) depend on the environment around the SBMH horizon and the level of its accretion activity. Evidence for optical and ultraviolet spectral features has been reported in TDE flares; nevertheless, to test the effects of general relativity in the immediate vicinity of SMBH, the relativistically broadened and skewed X-ray line would tell us significantly more useful information. This will require to proceed beyond inactive nuclei. To this end, we consider a system where the material from a disrupted star forms a gaseous ring that circularizes near the tidal radius around SMBH, it gradually spreads in radius by viscous processes and resides embedded within a hot corona. In our test calculation, the remnant trail is assumed to be fully circularized and embedded in a hot environment and illuminated by X-rays from a surrounding corona or a jet base of (mild) active galactic nucleus activity. We show the expected effects on the observed profile and the centroid energy. In the future, the evolving spectral features can enhance the diagnostic capability and provide a novel way to reveal the parameters of TDEs in such sources; the distance of the remnant gas from the SMBH, the radial extent of the gaseous trail, and the spin of the SMBH could be measured.