Small 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.
What you experience today
- The accounts arrive six months after year-end and nobody really comments on them
- Cash goes up and down without knowing whether it is normal for the activity
- Impossible to tell whether prices are too low or costs too high
- The bank asks for figures you do not know how to present
What Bilanea changes
Upload the ledger exported by your software or your accountant: the report is ready in minutes, in plain language. Each indicator comes with your sector median, so you immediately know whether you are within the norm.
The action plan focuses on what a small-business owner can actually do: chase customers at day 15, renegotiate three external-cost contracts, adjust two prices, prepare a loan file with the right amount.
The indicators highlighted for you
Net cash and number of days of revenue covered
Break-even revenue and safety margin
Customer payment days and the euro effect of a ten-day reduction
Borrowing capacity over 5 and 7 years for an investment
Owner remuneration compared with EBITDA
Legal alerts on equity
Your journey
Export the ledger
From your software (Pennylane, Tiime, Indy, EBP, Sage…) or ask your accountant: it is a mandatory standard file.
Upload it to Bilanea
The first analysis is free. Enter your SIREN so the sector is detected automatically.
Read the report and apply the plan
Three quantified priority actions. Rerun the analysis next year to measure progress.
Frequently asked questions
- I have no accounting software, only a PDF balance sheet.
- Upload the PDF: if the text is readable, the tax-return codes are recognised; otherwise AI extraction is available on paid plans.
- Does it replace my accountant?
- No: they produce and certify the accounts, Bilanea reads and benchmarks them. Many firms use the report to run their year-end meeting.
Your first analysis is free
Five minutes, no credit card, concrete actions.