ABSTRACT Eclipsing of the X-ray emitting region in active galactic nuclei (AGN) is a potentially powerful probe to examine the AGN environment and absorber properties. Here, we study the eclipse data from the 2016 XMM–Newton observation of NGC 6814 using a colour–colour analysis. Colours (i.e. hardness ratios) can provide the advantage of better time resolution over spectral analysis alone. Colour–colour grids are constructed to examine the effects of different parameters on the observed spectral variability during the eclipse. Consistent with previous spectral analysis, the variations are dominated by changes in the column density and covering fraction of the absorber. However, during maximum eclipse the behaviour of the absorber changes. Just after ingress, the eclipse is described by changes in column density and covering fraction, but prior to egress, the variations are dominated by changes in column density alone. Simulations are carried out to consider possible absorber geometries that might produce this behaviour. The behaviour is inconsistent with a single homogeneous cloud, but simulations suggest that multiple clouds, perhaps embedded in a highly ionized halo, could reproduce the results. In addition, we determine the orbital covering factor (fraction of orbital path-length) based on evidence of several eclipses in the 2016; 64-d Swift light curve. We estimate that ∼2–4 per cent of the orbit is covered by obscuring clouds and that the distribution of clouds is not isotropic.