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Anyone who has ever opened Form No. 1 and No. 2 of a company’s financial statements knows that the numbers in the tables are just the tip of the iceberg. To understand the true state of a company, an analyst needs to calculate dozens of ratios, compare receivables with payables, and evaluate profitability.
In large corporations, entire departments handle this. Small and medium-sized businesses usually lack both the time and the specialized expertise to do so.
We have solved this problem. From now on, in the «Financial Statements» report within the «Business Reputation Dossier» service on edrpou.ubki.ua and in «Privat24 for Business», artificial intelligence handles the financial analytics for you.
From «Just Numbers» to Ready-Made Conclusions
Previously, checking a counterparty’s financial health felt like an exhausting quest: downloading reports, calculating metrics manually, and trying to interpret them. Today, this process is fully automated.
The system conducts a comprehensive audit across four critical areas:
- Autonomy and Liquidity: Whether the company can pay its bills right now and how dependent it is on loans.
- Efficiency (ROA and ROE): Whether the business generates profit or simply drains resources.
- Financial Leverage: An analysis of the debt burden. This is critical if you plan to offer deferred payments.
Why is AI Better Than an Excel Spreadsheet?
The main value of this update is the intelligent conclusion. The AI doesn’t just output a dry ratio like «0.45», it explains the data in plain language:
«The company has a critical level of debt, which increases the risk of non-payment within the next 6 months.»
What this brings to your business:
- Speed: Instead of spending an hour analyzing a report, you spend 30 seconds reading a summary.
- Objectivity: AI doesn’t get tired, doesn’t make math errors, and eliminates the human factor.
- Transparency: You see hidden risk zones that are often masked by impressive revenue figures.
When Does AI Analytics Become Indispensable?
We strongly recommend reviewing the AI conclusions block in the following scenarios:
- Signing long-term contracts;
- Approving accounts receivable limits (deferred payments);
- Monitoring key suppliers whose stability dictates your production cycle.
In the current realities of the Ukrainian market, reaction speed is your greatest asset. Don’t waste time on manual calculations. Leave the numbers to the algorithms, and keep the most important task for yourself — making strategic decisions.
Want to check your partner? Go to the “Financial Statements” section in the Legal Entity Dossier on edrpou.ubki.ua or in «Privat24 for Business», order a report, and get your first intelligent conclusion today.
