Turn a set of company accounts into a clear financial analysis, written by AI.

Financial analysis (or financial diagnosis) assesses a company's economic health from its accounting documents: balance sheet, income statement, cash flows and notes. It measures profitability, solvency, financial balance and cash, then draws actionable conclusions for the owner, investor or banker. It's the foundation of any management, financing or acquisition decision.

Analysing a balance sheet means reading assets and liabilities to assess financial structure: working capital, working-capital requirement and net cash. You then compute solvency, financial-autonomy and liquidity ratios, and compare the trend across several years. The goal: check the financial balance and the company's ability to meet its debts.

Intermediate management balances (SIG in French) are a series of indicators, computed from the income statement, that break down how net profit is formed step by step: gross margin, value added, EBITDA (EBE), operating profit, ordinary profit and net profit. Each balance sheds light on a specific dimension of economic performance.

EBITDA (the French EBE) is the margin generated by ordinary activity before depreciation, financial result and taxes. Neutral to investment and financing policy, it reflects purely operational performance and represents the potential cash generated by operations. It's one of the most closely watched management balances for judging operating profitability.

Working-capital requirement (BFR) measures the amount a company must finance to cover the gap between its outflows (stock, paying suppliers) and its inflows (customer payments). A high BFR ties up cash; a controlled BFR frees it. It is calculated as: stock + trade receivables − trade payables (and operating liabilities).

In an SME, four families of ratios are enough to steer: profitability (margin rate, return on assets and on equity), solvency and financial autonomy (debt / equity), liquidity and cash (working capital, BFR, net cash), and turnover (stock, receivables, payables). Comparing them to sector averages places the company within its market.

For a bank meeting or financing file, present a clear multi-year financial analysis: management balances, EBITDA, self-financing capacity, working-capital requirement and the main solvency ratios, with a commentary explaining the trajectory. A concise, visual report (strengths and watch-points) reassures the banker and speeds up the credit decision.

Done manually, a multi-year financial analysis takes several hours of rework and formatting. With an automatic financial-analysis tool like Solutio's Financial Analysis module, you simply import the accounts: indicators, management balances and ratios are computed, commented by AI and exported as a presentable deliverable (PPTX, Word, Excel, PDF) in minutes.