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Workflow demos · Finance

Screen client companies' financial statements
against the same early-warning criteria

Screens the financial statements of hundreds to thousands of client companies (XBRL, DART files, tables, PDFs) against the same early-warning criteria, and produces a warning list, a distribution chart and a one-page summary per company. From property registry certificates, it calculates the rights in force, the total of senior claims and the collateral-based lending limit.

Try it with your own dataLearn about harnesses
Real product screen
Companies by debt ratio band
01

Task overview

Use it to find warnings such as zombie companies, capital impairment and debt ratio jumps in client companies' financial statements by the same criteria every time, or to calculate senior claims and the limit from the registry of a collateral property. The results are drafts; the credit officer makes the final decision.

StepsRead statements → detect early warnings → read registry → calculate senior claims and limit
RuntimeOffice documents image · up to 30 steps
Completion checks2 check scripts · Excel · distribution chart · company summaries
02

Input

Sample data

Attachments

DART-statements-2023-2025.zip + 1 file

Request

Build an early-warning list from our client companies' financial statements, and also calculate the senior claims and the lending limit from the registry of the collateral property.

Company data to connect

  • Credit database

    Client companies, limits, collateral, market prices and arrears. When connected, warnings are sorted by outstanding credit balance, arrears raise a warning, and the limit is calculated from the collateral's market price. When not connected, only the values in the input files are used.

  • Credit review, monitoring and collateral rules

    The bank's warning thresholds and loan-to-value ratios. When connected, the bank's standards are applied instead of the tool defaults and quoted in the answer. When not connected, the tool defaults are used.

03

Processing steps

  1. Connect company data

    Copy the template and connect the credit database and the internal credit rules.

  2. Upload financial statements

    Upload financial statements in different formats and the same criteria are still applied to find the companies that trigger a warning.

  3. Review the warning list

    You get the warning list, a distribution chart and a one-page summary per company.

  4. Calculate the lending limit

    From a single property registry certificate, it calculates the total senior claims and the available lending limit.

04

Output

Result files

early-warning.xlsxearly-warning.pngregistry-rights.xlsx

Completion check items

  • Financial ratios and warnings recomputed
  • Total senior claims and lending limit recomputed
  • Warning list, distribution chart and company summaries
05

Sample run

Start from a harness templateStart by copying a domain's instructions, skills and completion checks, then connect your company's data to the resources the template recommends.

Credit review and monitoringSample run
DART-statements-2023-2025.zip + 1 file

Build the early-warning list from our borrowers' financial statements, and work out the senior claims and the lending limit from the collateral's registry.

Completion checks
Result files

A sample screen. Real steps and times depend on the model and the files.

06

Sample data

All file names and figures are sample data.

Sample data

Early warning and rights analysis results

Warning · flagCompany · propertyBasis
W1 Zombie companyA Precision + 11 moreICR below 1, 3 years
W2 Capital impairmentB Logistics + 4 moreEquity −KRW 3.2bn
W3 Debt ratio jumpC Chemical + 8 more182% → 341%
F1 Trust registrationProperty 2Trust not canceled
Lending limitProperty 1KRW 840m
1,248 companiesWarnings for 63 companies · 2 flags

See it with
your own documents

In a consultation, we connect a few of your documents so you can check the answer quality for yourself. Send us your questions and our team will get back to you.

Try it with your own dataAll workflow demos
Product videosReal product screens · Example company ACME Logistics · 16 videos