How does this financial health diagnostic work?+
Upload your financial statements (forms 2033, or 2050 to 2059). The tool automatically analyses your key indicators (EBITDA, solvency, working capital, payment terms) and compares them against benchmarks from companies in your sector to produce a score out of 100 and a personalised action plan.
Which financial indicators are analysed?+
The diagnostic covers 5 dimensions: revenue growth, profitability (EBITDA/revenue), solvency (equity / total assets), liquidity (working capital / revenue) and tax compliance. Each indicator is compared against the medians and quartiles of SMEs in your sector.
Is my data secure?+
Yes. Defacto is a regulated financial institution subject to the banking sector's data security requirements. Your financial statements are transmitted via an encrypted connection and processed in a secure environment compliant with current standards.
How often should I run a financial health diagnostic?+
Ideally after each financial year-end, once a year. Regular diagnostics let you track the evolution of your financial indicators and anticipate weaknesses before they become critical.
Does this diagnostic replace the advice of an accountant?+
No. This is a free indicative tool for an initial read of your key indicators and to identify areas to work on. For personalised guidance and advice tailored to your situation, consult your accountant.
