How it works
From your accounting documents to a decision, in five minutes
Bilanea reads your accounting exports, rebuilds the financial statements according to the French chart of accounts, benchmarks them against your sector medians and writes a quantified action plan. Here is exactly what happens at each step.
1. You upload any accounting document
The French FEC ledger file is the most reliable format: every French company subject to tax can export it from its software, and its structure is standardised by the tax administration. Bilanea also accepts the general ledger and trial balance (CSV, TXT or Excel, whatever the software: Sage, Cegid, EBP, Pennylane, Quadra, Tiime, Indy), as well as the tax return or balance sheet in PDF.
The format is detected automatically, the encoding is fixed when needed, and files already uploaded are recognised so that no credit is spent twice.
- FEC: reads the 18 columns, detects opening-balance journals to rebuild the opening balance sheet
- Ledger and trial balance: column detection by synonyms (account, label, debit, credit, balance)
- PDF with text: recognition of tax-return line codes (forms 2050 to 2053 and 2033)
- Scanned PDF: AI extraction, flagged as such with a confidence index
2. Financial statements are rebuilt and checked
Every account is mapped to a line of the income statement or balance sheet according to the chart of accounts: classes 6 and 7 for expenses and income, classes 1 to 5 for the balance sheet, with handling of bipolar accounts (overdrawn bank, debtor suppliers, VAT) and depreciation.
Three checks are then applied: debit/credit balance of the file, equality of total assets and liabilities after allocating the result, and consistency between cash computed from working capital and actual bank balances. Every gap is shown in the report, never hidden.
3. Indicators are computed and positioned in your sector
The engine computes the intermediate management balances (gross margin, value added, EBITDA, results), cash flow from operations, working capital, working capital requirement and more than thirty ratios: customer and supplier days, inventory turnover, equity ratio, leverage, interest coverage, return on capital.
Each ratio is compared with the quartiles of your industry code. The displayed percentile positions the company between 0 and 100 in its sector distribution, which makes the reading immediate for an owner and for a banker.
4. You get a reasoned decision
The report ends with what matters: a health grade from A+ to E, borrowing capacity over 5, 7, 10 and 15 years under banking norms, a valuation range from five methods, the break-even point, three-year forecasts and recommendations ranked by impact in euros.
You can export the report as PDF for a bank file, as JSON or CSV for your tools, share it with a secure link, or publish an anonymised sale listing on the marketplace directly.
FAQ
- How long does an analysis take?
- A ledger with a few thousand entries is processed in under ten seconds. A scanned PDF requiring AI extraction takes one to two minutes.
- Can I analyse several fiscal years?
- Yes: upload one ledger per year or a tax return with N and N-1 columns. The report then shows trends and the compound annual growth rate.
- What if my documents are incomplete?
- The report is produced with explicit warnings (balance-sheet gap, unmapped accounts, inconsistent cash). You can complete the documents and recompute without spending another credit.
Test it with your own numbers
The first reading is free, no card required; the full report from €9.