Profitability

Financial structure

Operating cycle

Profitability and Growth

Income-statement figures from the last financial year

Turnover / Sales (€)

Total sales and services rendered for the year.

EBITDA (€)

Earnings before interest, taxes, depreciation and amortisation.

Net Income (€) · optional

Final result after tax. Can be negative.

Sector of activity

Financial Structure

Balance-sheet figures from the last financial year

Total Assets (€)

Sum of all assets (current + non-current). Balance-sheet total.

Equity (€)

Share capital + reserves + retained earnings. Can be negative.

Financial Expenses (€) · optional

Total interest and financial expenses for the year.

Current Assets (€) · optional

Short-term assets: cash, receivables, inventory.

Current Liabilities (€) · optional

Obligations due within 12 months: suppliers, short-term credit.

Operating-Cycle Efficiency

Balance-sheet data on receivables, payables and inventory

Accounts Receivable, Customers (€)

Customer balance on the balance sheet (invoices issued, not yet collected).

Accounts Payable, Suppliers (€) · optional

Supplier balance on the balance sheet (invoices received, not yet paid).

Inventory / Stock (€) · optional

Inventory value on the balance sheet. Zero for a services company.

COGS, cost of goods & materials sold (€) · optional

Needed to calculate DIO and DPO accurately.

Financial Health Score

/100

Improvement priorities

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A diagnostic across 3 dimensions

Based on the three analytical dimensions of the financial self-assessment used by the main SME-support institutions in Portugal.

Economic Dimension

Assesses the company's ability to generate profit and make its assets productive.

EBITDA MarginROA

Financial Dimension

Assesses the soundness of the capital structure, independence from creditors and ability to absorb shocks.

Financial AutonomyInterest CoverageCurrent Ratio

Operational Efficiency

Assesses the efficiency of the cash cycle, how long it takes to collect, pay and turn over inventory.

DSODPODIO

About the financial diagnostic

What data do I need to run the diagnostic?

The minimum required are: Turnover, EBITDA, Total Assets, Equity and Accounts Receivable. The remaining fields are optional but make the diagnostic more complete. The data can be found in the IRS/IRC tax return, balance sheet and income statement for the last financial year, usually provided by your accountant.

How is the financial health score calculated?

Each indicator is scored on a 0-to-3 scale based on benchmarks for Portuguese SMEs. The points are aggregated into 3 dimensions (Economic 30%, Financial 35%, Operational Efficiency 35%) and converted to a 0-to-100 scale. The score is indicative, it does not replace a professional financial analysis, but it identifies the priority areas for action.

Is my data shared with third parties?

No. The diagnostic is calculated entirely in your browser and the figures you enter are not sent to any server; Advanta has no access to them. If you leave your email for a second look, only your score and your email reach our team.

Does a low score mean the company is going bankrupt?

No. A low score identifies areas of weakness that deserve attention, it is not a prognosis. Many companies with low scores on some indicators are operationally viable and have concrete improvement plans. The diagnostic is a starting point for an informed conversation with your accountant or CFO.

Diagnosis done. Now act.

Factoring and confirming are direct ways to improve DSO, DPO and liquidity, without taking out a new bank loan.

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