Credit opinion calculator

Credit opinion calculator has two modules. First module is analyzing financials. Second module is analyzing general data of the company.

First module analyzes the following data:

1. Age of last finances
2. Quantity of actual finances
3. Last turnover (compares with other years)
4. Previous turnover (compares with other years)
5. Any turnover falling (trend check up to 5 years)
6. Turnover growth (trend check up to 5 years)
7. Leverage
8. Current ratio
9. Quick ratio
10. For each main financial element growth temp (trend check up to 5 years)
11. Gross result / equity or turnover
12. Gross result (negative/positive and margin)
13. Operating profit (-loss) (negative/positive and margin)
14. Net loss count
15. Net loss average
16. Net profit / equity or turnover
17. Net profit (negative/positive and margin)

Each step includes 4-10 sub steps, which are adjusting assessment. In overall first module includes over 150 financial calculations.

Second module analyzes the following data:

1. Current status of the company
2. Changes in status for the last 3 years (history check)
3. Basic information controller
4. Directors/owners controller
5. Legal form
6. Parent company controller
7. Activity field
8. Company age
9. Personnel growth temp
10. Debt check
11. Average velocity of closing debts

Each step includes 6-15 sub steps, which are adjusting assessment. In overall second module includes over 100 analysis.

Both modules (first and second modules) include over 250 different analysis.

Please note:
Simplified credit opinion calculator includes only first module.
Full Credit Report (or Credit Opinion) includes both modules.