Blog
We write about the things the report computes, but explained at length: what each indicator means, where it comes from, when it lies and what you do with it. Nothing that cannot be checked on your own trial balance.
Marginal cost and marginal revenue: what each extra leu of sales brings
We added marginal cost and marginal revenue analysis to the report: how much profit each extra leu brings, operating leverage, the safety margin to break-even and sales scenarios.
report marginal cost marginal revenue break-even product updateThe report, richer: portfolio, debts, dividends and how much a bank could lend you
Five new chapters in the report: unpaid customers and suppliers, debts to banks and leasing, dividends with up-to-date tax, how much credit you could support and a year-by-year chart. Plus the report in your language.
report dividends credit indebtedness product updateYour figures, set beside the sector's: the partnership with ica.ro
An indicator means nothing until you compare it. From now on, the report places your company's figures next to the median of the CAEN sector and next to its own history, using public data brought in through our partner ica.ro.
benchmark CAEN sector ica.ro indicators partnershipFinanțistul is live: a bank-grade company analysis, from a PDF
You upload the trial balance from SAGA and get, in a few minutes, what a credit analyst would hand you after a few days of work. Here is what it does, what it does not do, and why it looks the way it does.
launch productHow to read a trial balance, step by step
The four pairs of columns, the four equalities that must hold, and what each account class actually means. No jargon.
trial balance accounting analysis basicsBank covenants: the contract clauses few people read
The ratios the bank checks every quarter, what happens if you miss one, and how a trial balance looks through the eyes of a credit officer.
covenants bank loan indicatorsThe Altman Z-score: what it says about insolvency risk, and what it does not
The formula is over fifty years old and it works surprisingly well. How it is computed from the trial balance, which thresholds are used, and why it must not be read as a verdict.
Altman Z insolvency risk indicatorsThe current ratio: what it means and what it should be
The first indicator any credit analyst looks at. How it is computed from the trial balance, why "above 2" is not an answer, and when a high value is in fact a bad sign.
indicators liquidity bank analysisSee this on your own trial balance
You upload the PDF of the SAGA trial balance and receive, within a few minutes, all the indicators above calculated and interpreted, plus the bank scoring and an action plan. The preview is free and does not even ask for your email address.