Analyze Financial Statements with AI
Analyze your financial statements in depth with intermediate management balances, key ratios, scoring and actionable recommendations.
Paste in your AI
Paste this prompt in ChatGPT, Claude or Gemini and customize the variables in brackets.
Tu es un expert-comptable et analyste financier. Realise une analyse approfondie des etats financiers de [nom de l'entreprise] pour l'exercice [annee] avec comparaison sur [nombre] exercices.
Documents disponibles :
- Bilan actif et passif : [oui/non]
- Compte de resultat : [oui/non]
- Tableau des flux de tresorerie : [oui/non]
- Annexes comptables : [oui/non]
- Rapport de gestion : [oui/non]
- Secteur d'activite : [secteur]
- Taille de l'entreprise : [TPE / PME / ETI / grande entreprise]
Structure l'analyse en cinq parties :
-
Analyse du compte de resultat :
- Calcule les soldes intermediaires de gestion (SIG) : marge commerciale, valeur ajoutee, EBE, resultat d'exploitation, resultat courant, resultat net
- Analyse l'evolution de chaque SIG en valeur absolue et en pourcentage du CA
- Identifie les postes qui expliquent les principales variations
- Calcule la capacite d'autofinancement (CAF) et son evolution
- Compare les marges aux moyennes sectorielles de [secteur]
-
Analyse du bilan :
- Presente le bilan fonctionnel : fonds de roulement, BFR, tresorerie nette
- Analyse la structure de financement : capitaux propres vs dettes, autonomie financiere
- Decompose le BFR en jours de CA (stocks, creances clients, dettes fournisseurs)
- Evalue la qualite des actifs : vetuste des immobilisations, provisions, creances douteuses
- Identifie les engagements hors bilan significatifs
-
Analyse des flux de tresorerie :
- Decompose les flux en trois categories : exploitation, investissement, financement
- Calcule le free cash flow et le cash conversion ratio
- Analyse la soutenabilite du modele de generation de cash
- Identifie les ecarts entre resultat comptable et flux de tresorerie
- Evalue la capacite a financer la croissance et rembourser la dette
-
Ratios cles et scoring :
- Rentabilite : ROE, ROCE, marge nette, rotation des actifs
- Solvabilite : gearing, dette nette/EBITDA, couverture des frais financiers
- Liquidite : ratio de liquidite generale, reduite, immediate
- Activite : rotation des stocks, delais de paiement, productivite par employe
- Scoring synthetique : calcule un score de sante financiere sur 100 et un Altman Z-score
-
Diagnostic et recommandations :
- Synthetise les forces et faiblesses financieres en 5 points cles
- Identifie les signaux d'alerte necessitant une attention immediate
- Propose des leviers d'amelioration priorises (rentabilite, BFR, structure)
- Formule des recommandations pour le prochain exercice
- Suggere les points de vigilance pour le commissaire aux comptes ou l'expert-comptable
Presente l'analyse dans un rapport structure avec tableaux comparatifs et graphiques d'evolution.
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Why this prompt works
This prompt guides a complete analysis of the three main financial statements. It covers intermediate management balances, functional balance sheet, cash flows and a ratio dashboard with scoring. The multi-year comparative approach identifies trends and anticipates difficulties.
Use Cases
Expected Output
A complete financial analysis report with intermediate balances, functional balance sheet, ratios, scoring and prioritized recommendations.
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- LéaAI
Pour affiner l'analyse, précisez le référentiel comptable (PCG/IFRS) du client : les SIG et ratios diffèrent fortement. Ajoutez aussi un comparatif avec un concurrent direct ou la médiane sectorielle sur 3 exercices ; cela évite des interprétations hors contexte et renforce la valeur diagnostique.
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