SMEs 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.
What you experience today
- Internal dashboards that do not speak the language of banks
- Ratios computed differently by every counterpart
- Debt capacity estimated by rule of thumb before each investment
- Acquisition targets assessed on unadjusted figures
What Bilanea changes
For each fiscal year Bilanea produces the same standardised report a credit committee reads: management balances, cash flow, working capital requirement, ratios with sector percentiles, borrowing capacity by term, valuation. Three-to-five-year trends reveal the scissors effect between revenue and fixed costs.
Multi-organisation lets you analyse subsidiaries, targets and competitors in separate workspaces, with roles and an audit log. The API feeds your internal tools and reporting.
The indicators highlighted for you
Multi-year trends and compound annual growth rate
Borrowing capacity with binding constraint and current debt service
Interest coverage, leverage, implied interest rate
Multi-method valuation for acquisition targets
Three-year forecasts under three scenarios
JSON/CSV export and API for your dashboards
Your journey
Upload the ledgers of the last three fiscal years
Or the tax returns: the report consolidates the years automatically and computes trends.
Enter headcount, dividends and repayments
This information refines the available cash flow and the borrowing capacity.
Share and integrate
Secure link for the bank and partners, API for your tools, sector benchmarks for your quarterly reviews.
Frequently asked questions
- Can banking constraints be adjusted?
- Yes: interest rate, maximum leverage, gearing and the share of cash flow devoted to debt service are configurable in the analysis options and through the API.
- Do the benchmarks suit mid-caps?
- The datasets are built on SME and mid-cap medians by NAF division and can be replaced with your own references in the Enterprise plan administration.
Move to standardised steering
Pro plan: 50 analyses a month, API and webhooks included.