Solutions
Who is Bilanea for?
The same accounts do not serve the same decision depending on who reads them. Each page below starts from a precise situation and shows what Bilanea draws from it: figures put forward, decision paths, actions and support.
An owner wants to know whether to continue, borrow or sell. A buyer wants to assess a target in an hour. A firm wants to turn every set of accounts into advice, a bank wants a standard summary per file. Choose your profile: the analysis is the same, the reading and the next steps are made for you.
Pages by profile
Owners in doubt
Continue or stop? Decide with your figures, not with fear
You have lost perspective, every month looks the same and nobody gives you a clear answer. Upload your latest accounts: in one minute Bilanea tells you where you stand, how long cash lasts, what the law already requires and which option is the most reasonable, through questions you answer yes or no.
See the Owners in doubt pageCut costs, grow revenue
Your general ledger knows where the gains are. We price them.
Insurance never renegotiated, forgotten subscriptions, rent that weighs, margin below the sector, a first customer too big: it is all in your accounts. Bilanea reads them line by line, asks six questions and returns a priced action plan, ranked by gain and ease.
See the Cut costs, grow revenue pageSmall businesses and freelancers
Your numbers explained simply, with actions to take tomorrow
You receive a balance sheet once a year and do not always know what to do with it. Bilanea translates it into available cash, break-even point, borrowing capacity and three quantified priority actions.
See the Small businesses and freelancers pageSMEs and mid-caps
CFO-grade financial steering, without waiting for management control
Executives, CFOs and board members of SMEs and mid-caps: consolidate several fiscal years, follow trends, measure available debt capacity and share readable reports with your banks, partners and advisors.
See the SMEs and mid-caps pageTradespeople and shops
Know what your business is worth and what it can bring you
Bakery, restaurant, salon, garage, retail shop, building company: Bilanea applies the goodwill scales and ratios specific to your trade, and tells you what the bank will agree to finance.
See the Tradespeople and shops pageBuyers and investors
Assess a target in an hour, not three weeks
Individual buyer, investor, acquisition holding: Bilanea analyses a target's accounts with the rigour of a preliminary acquisition audit, computes how much acquisition debt the target can carry, and lets you buy online on the marketplace.
See the Buyers and investors pageAccountants and advisors
Turn every year-end into an advisory meeting
Accounting firms, management consultants, business lawyers: generate for each client a readable summary report, benchmarked against their sector, with a quantified action plan you can bill as an advisory assignment.
See the Accountants and advisors pageBanks and lenders
One standardised report per file, in minutes, for the whole network
Relationship managers, credit analysts, debt funds, financing platforms: Bilanea produces the same report for every borrower, with the ratios your committees expect, default scores and a documented repayment capacity.
See the Banks and lenders page
Start with a free reading of your accounts
Upload a balance sheet, a FEC or a trial balance: score, key figures and first points of attention within a minute, no card required.