See Ratiofy at work on real companies.
One household name and three SMEs: one solid, one whose numbers raise the alarm, one in quick mode. For each case, the report at a glance and three conclusions in plain words.
Barilla
A brand everyone knows, read end to end starting from publicly filed statements. The score sums up a solidity built on stable margins and a balanced structure.
Textbook solidity: profitability and structure above the food-sector average.
No material warning signs: the forensic models stay in the safe zone.
Orderly growth: revenue and equity rising, debt under control.
Excellent SME · anonymized case
A small-to-medium business that works: books in order, healthy margins and no surprises year on year. This is what a company you can trust looks like.
Ample liquidity: it pays suppliers without strain, even when the unexpected hits.
Stable profitability: it earns consistently, not on a one-off.
Sustainable debt: the structure holds even looking at the years ahead.
Struggling SME · anonymized case
Here the risk signals surface right away. It doesn't mean the company is doomed, but that before signing it pays to ask precise questions — and Ratiofy tells you which.
Liquidity strain: it may struggle to meet short-term commitments.
Forensics on alert: the Z-Score drops into the caution zone.
Debt growing faster than revenue: a warning not to ignore.
Light Report · anonymized case
When you need a fast first impression: registry data, digital presence and early estimates, without downloading the filed statement. Perfect to screen a list of names.
Instant glance: a first score to gauge whether a full analysis is worth it.
Registry and presence ready to go: who it is, where it operates, how it looks online.
Just one credit: ideal to filter before digging into the right cases.
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The SME cases shown are anonymized and for illustration. For well-known brands, the data comes from publicly filed statements. The score, indicators and value estimate are indicative elaborations and do not constitute an appraisal.