Solved. Leave the password <blank> and you are in.
(this laptop was with an employee, not in my physical possession, so a bit hard to try all options easily.)
Thanks to Google AI results for pointing in the right direction:
If your Mac is showing a username "apple" after a reset, it means you're likely seeing the default administrator account that is created during the initial setup process when no other user accounts exist on the Mac; you will need to either create a new user account with your desired username or use the "apple" account to set up your Mac and then create a new user account afterwards.
Key points to remember:
Default administrator account:
"apple" is the generic name for the default administrator account on a Mac, which appears when no other user accounts are present.
Creating a new user:
To set up your own account, log in using "apple" and then navigate to System Settings > Users & Groups to create a new user with your preferred username.