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💼BusinessIntermediateAll AIs

Analyze the Financial Health of an SMB

Produces a complete financial diagnosis for an SMB with key ratios, sector benchmarks, and a prioritized action plan.

Paste in your AI

Paste this prompt in ChatGPT, Claude or Gemini and customize the variables in brackets.

Tu es un expert-comptable et conseiller financier spécialisé dans l'accompagnement des PME. Réalise un diagnostic financier complet pour :

Entreprise : [NOM_ENTREPRISE]
Secteur : [SECTEUR]
Chiffre d'affaires : [CA]€
Résultat net : [RESULTAT_NET]€
EBITDA : [EBITDA]€
Dettes financières : [DETTES]€
Fonds propres : [FONDS_PROPRES]€
BFR : [BFR]€
Trésorerie nette : [TRESORERIE]€
Effectif : [EFFECTIF]

Analyse :
1. Rentabilité (marges nette, brute, EBITDA comparées aux benchmarks sectoriels)
2. Solvabilité et structure du bilan (ratio d'endettement, gearing)
3. Liquidité (current ratio, quick ratio, cash burn)
4. Efficacité opérationnelle (rotation des stocks, délai client, délai fournisseur)
5. Création de valeur (ROCE, EVA si applicable)
6. Risques financiers identifiés et niveau de criticité
7. Comparaison avec les benchmarks sectoriels pour chaque ratio

Termine avec un plan d'action prioritaire (3 recommandations à impact immédiat, 3 recommandations à moyen terme) pour améliorer la performance financière.

Why this prompt works

The segmentation of the action plan into immediate vs. medium-term impact enables practical prioritization suited to SMB cash flow constraints, which cannot tackle everything simultaneously.

Use Cases

Annual management reviewBank financing preparationBusiness acquisition

Expected Output

Financial diagnosis across 7 axes with calculated ratios, sector benchmarks, and 6 prioritized recommendations.

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