Bilanea

Augmented financial analysis

Understand a company's financial health in five minutes

Upload a FEC ledger export, a general ledger, a trial balance or a PDF balance sheet. Bilanea rebuilds the financial statements, computes cash flow, working capital, borrowing capacity and company value, benchmarks every ratio against your sector and proposes quantified actions to cut costs and optimise cash.

Analyse for freeSee a sample report

No credit card required · First analysis free · Data hosted in Europe

Works with exports from every accounting package

  • SageSage
  • CegidCegid
  • EBPEBP
  • PennylanePennylane
  • TiimeTiime
  • IndyIndy
  • ExcelExcel

How it works

Three steps from your documents to a decision

  1. 1. Upload your documents

    French FEC ledger file, general ledger, trial balance, tax return or balance sheet as PDF, CSV or Excel. The format is detected automatically and the data is checked: debit/credit balance, balance-sheet consistency, fiscal year detection.

  2. 2. The analysis is computed instantly

    The engine rebuilds the income statement and balance sheet according to the French chart of accounts, computes intermediate management balances, cash flow from operations, working capital, working capital requirement and more than thirty ratios, then positions them against the medians of your industry.

  3. 3. Decide with a quantified action plan

    Health score, borrowing capacity by term, multi-method valuation, break-even point, three-year forecasts and recommendations ranked by impact in euros: cost reduction, customer terms, financing, tax, sale readiness.

Three steps from your documents to a decision →

What every report contains

A complete financial report, readable by an owner and by a banker

  • Intermediate management balances

    Gross margin, value added, EBITDA, operating profit and net profit, with the trend over several fiscal years.

  • Cash flow and treasury

    Cash flow from operations, working capital, working capital requirement in days of revenue and a controlled net cash position.

  • Borrowing capacity

    Amount you can borrow over 5, 7, 10 and 15 years under banking norms: annuities below 70% of cash flow, net debt capped at 3.5× EBITDA.

  • Starting value

    Valuation range from EBITDA multiples, revenue-based scales, net asset value, capitalised earnings and discounted cash flows.

  • Sector benchmark

    Every ratio is positioned between the first and third quartile of your industry code: customer and supplier days, inventory turnover, margins, leverage.

  • Quantified action plan

    Prioritised recommendations with their estimated impact in euros: external costs, productivity, pricing, payment terms, refinancing, tax credits.

  • Score and warning signals

    Grade from A+ to E, Altman and Conan-Holder scores, legal alerts such as equity below half of share capital.

  • Export and sharing

    PDF report ready for a bank file, JSON and CSV exports, secure share link, REST API to embed analyses in your own tools.

  • Legal compliance

    Equity below half of the capital, statutory auditor thresholds, filing deadlines, distributable profit, payment terms, profit-sharing: every obligation is checked with its legal basis.

Who it is for

A page for every profile, a path for every situation

Owner in doubt, small business, SME or mid-cap, tradesperson, banker, buyer, accountant: the vocabulary, the highlighted indicators and the suggested actions adapt to your role, and the decision paths to your situation.

Marketplace

Buy a business as simply as shopping online

Every listing is backed by a Bilanea analysis: health score, valuation range, anonymised key figures. Filter by sector, region and price, sign the non-disclosure agreement online, access the data room, then make an offer or buy at the asking price with a secured deposit. The acquisition journey is then guided step by step until signing.

Browse businesses for salePublish a sale listing
  • Figures checked by the analysis engine
  • Non-disclosure agreement signed online
  • Secured, refundable deposit
  • Guided acquisition journey until closing

Pricing

Pay per analysis or pick a subscription

The first analysis is free. Then buy credits one by one or choose a subscription that fits your volume: Starter for owners, Pro for firms and active buyers, Business for banks and networks. The API is included from the Pro plan.

Compare plans

Frequently asked questions

What business owners ask us most

Which documents can I analyse?
The French FEC ledger file, the general ledger, the trial balance, the tax return and the balance sheet as PDF, CSV, TXT or Excel. The FEC is the most reliable format because it is standardised for every French company.
How are the calculations made reliable?
Financial statements are rebuilt deterministically according to the French chart of accounts, then checked: debit/credit balance, assets equal liabilities, consistency between net cash and bank balances. AI extractions from PDFs are flagged as such with a confidence index.
Is my data safe?
Files are encrypted at rest and in transit, hosted in the European Union, and can be deleted at any time. We never train models on your data and access is isolated per organisation.
Does the valuation replace an expert?
No: it gives a reasoned range from five recognised methods, ideal to prepare a negotiation, a bank file or a sale listing. An accountant or an M&A advisor can then refine the adjustments.
How does billing work?
Each analysis consumes credits. Subscriptions include a monthly quota and extra credits can be bought at any time. Banks and firms can bill their own clients through the API and multi-organisation features.

Ready to read your numbers differently?

Create your account, upload a first document and receive your complete financial report in less than five minutes.

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