Full financial health check
Enter your simplified P&L and balance sheet (up to 3 fiscal years): the balance cascade, 20 ratios, a pedagogical health score and the sector comparison update instantly.
Your data
Chronological order — the last tab is the most recent year.
Balanced balance sheet (total €270,000).
Pedagogical health score
87 / 100 — a documented threshold grid, not a credit rating.
Management balances
| Balance | N |
|---|---|
| Output for the period | €500,000 |
| Value added | €270,000 |
| Gross operating surplus (EBITDA proxy) | €82,000 |
| Operating result | €62,000 |
| Current result before tax | €56,000 |
| Net result | €44,000 |
| Self-financing capacity (cash flow) | €64,000 |
| Working capital | €70,000 |
| Working capital requirement (WCR) | €30,000 |
| Net cash position | €40,000 |
Ratios by axis
Profitability
- Value-added ratio
- 54%
- Gross operating margin
- 16.4%
- Operating margin
- 12.4%
- Net margin
- 8.8%
- Return on equity (ROE)
- 35.2%
- Return on capital employed
- 33.5%
Financial structure
- Financial autonomy
- 46.3%
- Gearing (net debt / equity)
- 0.2 ×
- Debt repayment capacity
- 0.9 yrs
- Fixed-asset coverage
- 1.6 ×
Cash & operating cycle
- Current ratio
- 1.9 ×
- Net cash in days of revenue
- 29.2 d
- Days sales outstanding (DSO)
- 51.1 d
- Days payable outstanding (DPO)
- 71.4 d
- Inventory turnover (days)
- 73 d
- WCR in days of revenue
- 21.9 d
Operations
- Staff costs / value added
- 66.7%
- Financial expenses / gross surplus
- 7.3%
- Cash flow / revenue
- 12.8%
- Revenue growth
- —
- Net result growth
- —
Reading the diagnosis
- Solid financial autonomy (46.3% of the balance sheet in equity).
- Comfortable net margin (8.8% of revenue).
- Solid cash flow (12.8% of revenue): real self-financing capacity.
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Indicative educational analysis based on the data you enter — neither an accounting engagement, nor personalised advice, nor a credit rating. Sector references are indicative medians from public publications (Banque de France, INSEE). Your data stays in your browser unless you are signed in.
Methodology
Management balances follow the French chart of accounts cascade (output, value added, gross operating surplus, operating result, net result). Each ratio is scored against documented threshold bands, then aggregated into four weighted axes (profitability 30%, structure 30%, cash 25%, operations 15%) to produce the A-E score. Cash flow uses the short additive method; receivable/payable delays are computed excl. VAT.
Sources: ANC regulation 2014-03 (French GAAP) · Banque de France FIBEN sector ratios · INSEE Ésane · French payment-terms observatory · LME law no. 2008-776.