Last Period Evaluation

The most up-to-date picture of the company's economic and financial status

The menu Last Period Evaluation It collects all the analyses and calculations based on the latest available accounting period and on the main extra-accounting information.

It is the area of ​​the platform designed to obtain, in a few minutes, a concise but complete picture of the company's solidity, its risk level and its ability to access credit.

An instant view of key data from the last financial year, with indicators that integrate economic, patrimonial and financial profiles.

In this section you can find:

• Leanus Score: synthetic indicator of overall performance.
• Altman's Z-Score: default risk forecasting model.
• Main indicators economic, patrimonial and financial.

This section allows an initial overall assessment of the company's situation, useful both internally and for interactions with banks and stakeholders.

This module is particularly relevant for the credit rating assessmentLeanus applies the same quantitative algorithm used by the Guarantee Fund, allowing the MCC band to be calculated starting exclusively from the accounting data present in the latest period.

It is a fundamental tool for:

• estimate accessibility of the company to public guarantees;
• evaluate the effect of an MCC band on the cost of credit;
• simulate how the accounting situation works affects the MCC classification.

This analysis allows us to anticipate the assessments of financial institutions and prepare clearer and more effective dossiers. Where available, this data can be integrated with information in the Central Risk Management System.

If CR data is available, the system reconstructs the company's financial exposure, distinguishing the different technical forms and showing the evolution of the bank-business relationship.

It is a direct support to the credit rating and to reading the dynamics of entrustment.

The module allows you to process CR and return an integrated summary of the information: uses, overruns, concentration of credit lines and regularity indicators.

It is a'immediate integration with accounting analyses, useful for getting a complete view of performance and reliability.

Based on the most recent economic and financial data, Leanus estimates:

• sustainable borrowing capacity;
• the recommended credit limit, or the level of credit consistent with the company's financial structure.

It is a useful indicator in budgeting phase, debt restructuring o review of new investments.

A section dedicated to key indicators that They measure balance, performance and risk, divided in:

• Sector KPIs: comparison with the typical dynamics of the sector to which it belongs;
• Crisis Code Indicators: assessment of insolvency risk according to regulations;
• General indicators: margins, profitability, turnover, cash generation capacity.

All indexes are already calculated and updated for the last period loaded.

A view dedicated to the evaluation of thepossible state of patrimonial imbalance, calculating whether the adjusted assets are sufficient to cover the liabilities as of the last financial year date.

A useful tool in contexts of crisis, restructuring o conservative assessments.