Features
Everything a Bilanea financial report contains
One analysis covers the diagnosis, the sector benchmark, financing, valuation and the action plan. Here is the detail of each block.
Complete financial diagnosis
- Intermediate management balances for every uploaded fiscal year
- Cash flow from operations by the additive method, retained cash flow after dividends
- Working capital, operating and non-operating requirement, controlled net cash
- Income statement and balance sheet rebuilt line by line, viewable and exportable
- Legal alerts: equity below half of share capital, negative equity
Sector benchmark and scoring
The benchmark covers the sections and divisions of the French NAF classification, with dedicated datasets for the trades most often sold: bakery, restaurants, hotels, pharmacy, construction, retail, IT services, accounting professions.
- Percentile of each ratio between the first and third quartile of the sector
- Health score from 0 to 100 split into six dimensions: profitability, structure, liquidity, operating cycle, growth, solvency
- Altman Z'' and Conan-Holder scores, indicative rating equivalent
- Benchmarks editable by administrators for networks and firms
Financing and valuation
- Borrowing capacity over 5, 7, 10 and 15 years with the binding constraint (cash flow, leverage or gearing)
- Current debt service, implied interest rate, interest coverage
- Valuation by adjusted EBITDA multiple, revenue-based scale, net asset value, capitalised earnings and discounted cash flows
- Low, central and high range with a confidence index
- Break-even revenue, break-even point in days and safety margin
Action plan and forecasts
Sixteen expert rules compare the company with its sector and quantify the impact of each action: external cost reduction, customer and supplier terms, inventory turnover, pricing, refinancing, tax credits, sale readiness. An AI-written reading, strictly based on the computed figures, completes the report on paid plans.
- Three-year forecasts under three scenarios with a cash trajectory
- Recommendations ranked by priority and impact in euros, with concrete actions
- Summary, strengths, watch points and outlook in French and English
Sharing, integration and marketplace
- Bank-ready PDF export, JSON and CSV for your spreadsheets and tools
- Secure share link, revocable at any time
- REST API with keys, quotas and signed webhooks to embed analysis in your software
- Multi-organisation and roles (owner, administrator, member, viewer) for firms and networks
- Publication of an anonymised sale listing fed by the report, with online non-disclosure agreement and secured deposit
An analysis beats a demo
Upload your ledger and discover your report in five minutes.