Web report
Interactive, navigable section by section. Switch lens and drill into every number with one click.
Features
Everything you know about a company, in one place.
Six areas of analysis that usually take different tools and skills. Ratiofy merges them into a report you read at a glance — with the technical detail underneath, on demand, never on show.
01 · Financial health
Is it healthy? Does it pay its debts? Does it earn?
"In one word: can I trust its accounts?"
A 0-to-100 score and a solidity rating sum up liquidity, profitability and structure at a glance. Below, every indicator for whoever wants the detail.
In plain words: liquidity tells you if it has the money to pay now, profitability if it really earns, structure if it holds up over the long run.
Financial healthSolid
Official recordsAlgorithmic calculation
02 · Risk signals
Are there warning signs?
"Before I sign, I want to know if something doesn't add up."
Recognized forensic models and automatic checks raise the signals before they become problems. Every alert is explained, not left to a code.
In plain words: they're "thermometers" from financial literature (Altman Z-Score, Beneish, Piotroski) that measure distress risk and the quality of the accounts.
Detected signals2 to verify
CautionDebt growing faster than revenue
NoteMargin slightly down in the latest year
OKNo delay in statement filings
2.9
Z-SCORE
−2.4
BENEISH
6/9
PIOTROSKI
Algorithmic calculation
03 · Sector comparison
Better or worse than competitors?
"A 9% margin is good… but for this market?"
Every number is compared with its sector average. So you understand whether a figure is genuinely strong or just normal for that market.
In plain words: we use the company's activity code to compare it with those in the same trade, not with the whole market.
Company vs sector
Official recordsAlgorithmic calculation
04 · Digital reputation
What's its presence online?
"The numbers say one thing, but how does it show up out there?"
Website, social, reviews and the network of connected people make up the company's public face. A piece the statements alone don't tell.
In plain words: it's the digital "first impression": how active, visible and well-rated it is for whoever meets it online.
Online presence
ActiveWebsite
3 profilesSocial
4.3 / 5Reviews
12 peopleNetwork
Official recordsAlgorithmic calculation
05 · Document Insights
What do the official documents say?
"The notes to the accounts run twenty pages. What do I really need to know?"
AI analysis reads the notes to the accounts and the filed documents and extracts what matters: litigation, guarantees, material events. Always labeled as AI output.
In plain words: someone reads the fine print for you and reports the gist, with a pointer to the exact spot.
Document InsightsAI analysis
Extract from the notes to the accounts
The company reports a guarantee granted in favor of a subsidiary for €1.2M and no material litigation ongoing at the reporting date.
Notes to the accounts · read
Management report · read
AI analysis
06 · Value estimate
Roughly how much is it worth?
"I don't need an appraisal, I need an order of magnitude."
A multi-method estimate returns a plausible value range, useful to orient yourself in a negotiation. It's an indication, not an appraisal.
In plain words: we cross several recognized methods (OIV, Damodaran) to give you a "from–to" range, not a single figure to take literally.
Value estimate
€4.2M≈ €6.1M€8.0M
Indicative range from recognized methodologies. It does not constitute an appraisal.
Algorithmic calculation
One report, five points of view
The same data, told for you.
Switch the lens and the report reshapes its narrative and the indicators it highlights. Same numbers, different question.
For investors
Growth, profitability and sustainability of the business over time. Understand whether it's worth entering, and on what terms.
Growth potentialHigh
Profitability (ROE)14.2%
SustainabilitySolid
What you get
One report, three ready-to-use formats.
Professional PDF
Formatted and ready to share or attach. The same content, in a tidy document.
Excel
Structured data for your own analysis: tables, indicators and time series, ready to rework.
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