Financial analysis
What your company’s numbers really say
We turn the trial balance into a clear analysis: profitability, liquidity, leverage and cash generation, exactly as a bank or an investor sees them.
What’s included
What you get from a financial analysis
Performance ratios
Margins, EBITDA, ROA, ROE and how they evolve over time, against common benchmarks.
Liquidity & working capital
Current and quick ratios, working capital, days sales outstanding, inventory and payables.
Leverage & solvency
Equity ratio, debt-to-equity, net debt / EBITDA, interest coverage.
Cash flow
Operating, investing and financing cash flows, rebuilt from the balance sheet.
Credit scoring
How the company looks to a bank and what to improve before applying for financing.
Report & recommendations
A full Excel report and a written commentary with strengths, risks and proposed actions.
Who it’s for
When you need a financial analysis
Annual financial statements show what happened. A financial analysis explains why it happened and what comes next: where margin is lost, where cash is tied up and how much more debt the company can safely take on.
It’s for you if
- You are preparing a loan or leasing application
- You want to understand why profit does not show up as cash
- You are negotiating with an investor, partner or buyer
- You want to compare the company’s performance year on year
- You need a quick assessment of a key customer or supplier
How we work
Step by step
Documents
You send us the trial balances (PDF or Excel) for 2-4 periods.
Analysis
We calculate the ratios, rebuild the cash flow and check data consistency.
Discussion
We walk you through the findings and answer your questions.
Report
You receive the Excel report and written commentary, ready for a credit file.
Free tool
Financial analysis from the trial balance
Upload a Romanian trial balance (PDF or Excel) and get the ratios, analytical balance sheet and P&L, cash flow and an Excel report automatically. You can also try it with the sample data. The tool interface is in Romanian.
FAQ
What clients ask us
What documents do you need?
The trial balances for the periods analysed, usually the last two year-ends and a recent interim balance.
How long does it take?
Usually 2-5 business days after we receive complete trial balances.
Can I do the analysis myself?
Yes, the tool above calculates the ratios automatically. For interpretation, sector comparisons and recommendations, book a call.
Want to see your company through a bank’s eyes?
Book a 30-minute call and we will tell you exactly what the numbers show.