The applicant uploads the yearly figures. We extract the balance sheet and the P&L.

The applicant uploads the yearly figures. From those we take the balance sheet with hierarchy, the profit and loss, and the book years. Company and consolidated group, when both are in the statements. After extraction each set is concept, internal, or official. You can run any metric or ratio on that data and weigh them, and bands can follow the company’s activities.

From the statements into your model

Handlers should not re-type a balance sheet. The applicant uploads the yearly figures, extraction pulls the statements, and you run any metric or ratio on that data. You weigh them. Company and group each get their own rating from their own statements. One programme maps those scores to AAA–CCC. Another uses a different mix.

A set of yearly figures
The applicant uploads the yearly figures. Several uploads can belong to the same book years.
Balance sheet and P&L
Hierarchy on the balance sheet. Profit and loss. Periods as they appear in the statements. Company and consolidated group, when both are in the statements.
Concept, internal, or official
Not known at upload. After extraction the statements are a concept, an internal export, or official. Your rules can refuse the first two.
Any metric, any weight
Run any ratio on the extracted data. Score it on bands you set. Weigh it. Combine into a score or a rating.
Your model
Liquidity, solvency, profitability, efficiency, coverage — or only the ones that programme uses. Bands can follow the activity.
The extraction is scored
Largest amounts on a page are matched to a side. Children sum to the subtotal. A difference of 1 is allowed. Subtotals match the side total. If a line cannot be read, a person fills it. That correction trains the next extraction.
A queue, not re-typing
Extraction runs in a queue. Handlers do not sit and copy the statements.

Frequently asked questions

Who uploads the yearly figures?
The applicant. They can upload more than one set for the same years. A handler can add a set if one is missing.
What comes out of the yearly figures?
A balance sheet with hierarchy, a profit and loss, and the periods those columns belong to. Company figures. Consolidated group figures, when they are in the statements.
What is concept, internal, or official?
That is decided after extraction, not at upload. Concept: generated by an accountant, not signed yet. Figures can still change. Internal: a raw export from the financial administration. No accountant report or check. Official: signed and sealed. Checked by an accountant. Your rules can refuse concept and internal.
What happens while extraction runs?
The yearly figures sit in a queue, so handlers do not re-type the figures. That step waits until the numbers are ready.
What can we run on the data?
Any metric or ratio you can calculate from the statements. Liquidity, solvency, profitability, working-capital efficiency, coverage. Or a line you define. You set the bands. You set the weights.
How does weighing work?
Each ratio gets a score from bands you set. You assign a weight per ratio or per category. The total is a score. You can map that score to a rating if that is how the programme works.
Is the rating a fixed Small Ticket Solutions model?
No. The AAA–CCC example is one way to combine ratios. Another programme might weigh only liquidity. Another might use different bands per activity.
Can bands follow the company’s activities?
Yes. A current ratio that is normal for a holding is not normal for a trading company. You can set bands and weights per activity.
What if a line cannot be read?
A person fills the line. That correction is training data for the next extraction.
How do you know the extraction is correct?
The extraction is scored. On a balance sheet, the largest amounts on a page are matched to a side. Children must sum to the subtotal. A difference of 1 is allowed. Subtotals must match the side total.
Is there one rating for the whole application?
No. Each company or consolidated group balance sheet and P&L has its own creditworthiness. The rating is from that set of statements, not mixed.
Do you extract consolidated group figures?
Yes, when they are in the statements. If they are present, a programme can require a minimum credit rating on those figures. If there are no group statements, that rule does not apply.
Can more than one upload hold statements?
Yes. Each upload can have its own statements. Each company or group set in that upload has its own rating. Programme rules run on the statements that count. In this example only official counts.
Does this replace document checks?
No. Other uploads still go one document at a time. Yearly figures go to extraction instead of a handler typing the statements.

Ready to start with one programme?

Book 30 minutes

Other parts of the application

Applicant documents validation

Handlers check each uploaded document: type, valid or not, and required fields.

Request extra documents

Ask the applicant for a replacement, with the reason and deadline included.