Due Diligence Engine · 3-Year Analysis

Three years of data.
One complete diagnosis.

Upload your trial balances for N, N-1 and N-2. We reconstruct your financials, benchmark against your sector, and generate a full due diligence report automatically.

PCG · OHADA · IFRS · US GAAP 8 sector benchmarks Altman Z-Score Auto-insights Free preview · Full DD 99€
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N
Current Year
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e.g. FY 2024
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N-1
Previous Year
One Year Prior
e.g. FY 2023
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N-2
Two Years Prior
Two Years Prior
e.g. FY 2022
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3-Year Financial Due Diligence
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Current Year (N) — Key Indicators
Revenue & Profitability — 3-Year Evolution
Revenue · EBITDA · EBIT
Margin Evolution (%)
Comparative Income Statement
Ratio Heatmap — 3-Year Comparison
Financial Profile vs Sector
Financial Radar — N vs Sector Median
Altman Z-Score — 3-Year Trajectory
Transaction Readiness Score
Go / No-Go Assessment
Computing...
Multi-Score Panel
Debt Structure & Additional Scoring
Springate S-Score · Debt Analysis
Revenue Quality Score
Cash Flow & Working Capital Deep-Dive
Cash Flow Statement (Reconstructed)
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DSO · DIO · DPO Analysis
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Executive Summary & Scoring
Transaction Readiness — Go / No-Go Assessment
Transaction Readiness Score
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Checklist — 14 criteria
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Scoring Panel — Multi-Model
Piotroski F-Score — 9 Signals
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Debt Analysis & Bankability
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Forensic Analysis — Accounting Integrity
Benford's Law Test
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Round Number & Pattern Detection
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Forward Projections — N+1 / N+2 / N+3
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Automated Financial Insights
📈
Exceptional profitability — top quartile
EBIT margin of ██.█% places this business in the top quartile of Professional Services sector median ██.█%. This level of operating leverage is a significant valuation premium driver.
▲
Payroll intensity above sector benchmark
Personnel costs represent ██.█% of revenue above the sector third quartile ██.█%. This constrains EBITDA and may indicate owner-dependency or overstaffing relative to revenue.
✓
Conservative leverage — debt capacity available
Net Debt EBITDA of █.█x is below sector median █.█x. The business has significant untapped debt capacity estimated at ███K additional borrowing at median leverage.
▲
Working capital cycle above sector median
Working capital cycle of ██ days is above the sector third quartile ██ days. Each day of BFR improvement frees approximately ██K in cash.
✓
Strong balance sheet — equity ratio above median
Equity ratio of ██.█% reflects a well-capitalized business. This is a valuation premium buyers and lenders perceive lower risk in businesses with strong equity bases.
✓
Net margin in top quartile
Net margin of ██.█% is in the top quartile for Professional Services. This level of after-tax profitability directly supports strong cash generation and investor returns.
Due Diligence — Key Findings
Due Diligence Findings — FY ████
📈
Strong YoY revenue growth
+██.█% — growth trajectory is the #1 valuation driver confirms premium positioning
✓
Expanding EBIT margin
+█.█pp YoY — positive operating leverage supports premium transaction multiple
📊
2-year Revenue CAGR
▲ ██.█% — strong growth trajectory confirmed over the full period
🏆
Top-quartile EBIT margin
██.█% vs sector median ██.█% — significant valuation premium driver confirmed
Working Capital Analysis — 3 Years
BFR & Cash Cycle (days)
BFR Nabove median
BFR N-1 — ██ daysabove median
BFR N-2 — ██ daysnear median
Cash release potential███K€
DSO trend▲ +█ days YoY
DPO trend▼ -█ days YoY
Debt Capacity & Coverage
Interest coverage ratio██.█x
Net Debt / EBITDA█.█x
Debt repayment capacity█.█ years
Additional debt capacity███K€
ROCE██.█%
Breakeven revenue█.██M€
Strategic Recommendations & Red Flags
Actionable Levers — FY ████
🚀
Lever #1 — Reduce DSO by 10 days
Frees ███K€ cash — improves Altman Z-Score from █.█ to █.█
🚀
Lever #2 — Optimize payroll intensity
Moving from ██% to sector median (██%) adds ███K€ EBITDA annually
🚀
Lever #3 — Refinance short-term debt
Converts █.█x leverage to █.█x — unlocks ███K€ additional credit capacity
🚨
Red flag — Client concentration risk
Top █ clients represent ██% of revenue — requires mitigation before any exit
Altman Z-Score — 3-Year Trajectory & Interpretation
FY N-2
█.██
Grey Zone
FY N-1
█.██
Grey Zone
FY N
█.██
Safe Zone ▲
Interpretation: The business has moved from Grey Zone to Safe Zone over 3 years — a positive trajectory that reduces perceived financial distress risk in the eyes of lenders and buyers. The key driver is ████████████████████.
Investor-Ready PDF Report
📄
Financial Due Diligence Report — FY ████
██ pages · PCG France · Professional Services benchmark
3-year P&L Ratio analysis Sector benchmark Action plan Altman Z-Score Red flags
🔒
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