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.
Your 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 partnershipBank 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.