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IntEnt Financial Model template

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					Introduction/Instructions

        This financial model is intended to aid IntEnt clients and business advisors in preparing business plans to be presen
        The model follows a sequential structure which leads you step by step to get an analytical overview of the business o
        please follow the instructions in the order as designed.
        <<By clicking on the + or #2 button in the top left corner you can unfold the rest of the sheet. Also clicking on the arro
        sheet.>>


        The cell color coding have the following meanings:
        Changeable Business Model Driver/assumptions are -> (blue)
        Check assumptions/results/inputformula -> (orange)
        (ONLY) FILL IN manual data (hard core input) are -> (shaded light yellow)
        Formula (hardcoded calculation) are -> white
        Key results (and formula references) are -> (yellow)
        Instructions and Comments are boxed, or in italics



        Section Headings in Bold, 14 point
        Section Sub-Headings in Bold, 14 point
        Table Headings in bold, 10 point
        Subtotals in italic, 10 point
        Totals in bold, 12 point
        Negative Numbers, 10 point, red, brackets




Process Overview

                                Products /
                                                        Invest-ments
                                 Services
     Business Model                                                                Proforma
         inputs                                                                   Profit & Loss
                                 Markets                   Finance



         FILL IN SECTIONS 1, 2 & 3
     4 Section 1: Business Model inputs & assumptions
     4 Section 2: Products/Services & Market Analysis
     4 Section 3: Investments-Finance (InFi)
       Section 4: Profit & Loss
          Section 5: Cashflow statement
          Section 6: Balancesheet
          Section 7: Analysis & Charts



Business Model Inputs & Assumptions

   A.      YOUR INFORMATION
          Business Name:
          Business Entity Type:
          Your Name:
          Contact info:
          Country:
          Currency:
          IntEnt advisor:
          IntEnt cordinator:



   B.      Type of Business
          Agriculture - Horticulture - Farming - Fishing - Mining etc.
          Production/Manufacturing - Assembling - Construction etc.
          Trade (Import/Export) - Retail - Wholesale
          Services: (professional) services - Accomodation/Lodging - Real Estate - Tourism - Internet etc.
          Hybrid/Combined
          Other


   C.      Some key model inputs/assumptions:
          Bank Interest rate%
        * Loan period (years) / Grace period (months)

          Direct cash receipts
        * Credit sales
        * Bad debtors

          Corporate Tax rate
          VAT Tax%

          Annual cumulative autonomous demand (revenue) increase
          Annual cumulative inflation (expense) increase
          Annual economic (GDP) increase

        * Scenarios growth [monthly]
          Expected
          Worst
          Best
        * Scenarios inflation [monthly]
         Expected
         Worst
         Best

        * Seasonality effect [monthly]
         Seasonal demand
         Startup year1 effect


Lists

         choose your country
         Afghanistan
         Curaçao
         Cape Verde
         Morocco
         Turkey
         Ghana
         Ethiopia
         Suriname
         Iraq
         South Africa
         << add country A >>
         << add country B >>
         << add country C >>
         << add country D >>
                                                      Financial Template IntEnt
            Copyright (c) IntEnt Entreprising across borders (2010)




sors in preparing business plans to be presented at the FTC.
to get an analytical overview of the business opportunity. In order to facilitate the process,


d the rest of the sheet. Also clicking on the arrow diagram links you to the corresponding




                                            0%
                                           -
                                           -
                                      1,234.56
                                           -




            Headings
            Subheading
            Revenue
            Subtotal
            Total
            (5,243)




  Proforma                                                                        Analysis &
                             Cashflow               Balance Sheet
 Profit & Loss                                                                     Charts




             3
3
3
3




 Please fill in
<< Name of Company >>
choose your Legal form                           Note: This is linked to corporate /income tax rate
<< Your Name >>
<< Your Contact Info >>
choose your country                              Note: This is linked to country value added tax rate
choose your currency
<< Name of your IntEnt advisor >>
<< Name of your IntEnt cordinator >>



 Key questions/drivers                        Business & Industry characteristics + risks
Fixed vs. Variable Costs
Cost/Unit
Volume
Profit models (Expertese/Solutions/Time/Intangibles etc.)
Fixed vs. Variable Costs
How will we make profit or add value?

                              1 Yr        2 Yr        3 Yr        4 Yr        5 Yr
                              12%          12%         12%         12%        12%
                                5            6

                              100%        100%        100%       100%        100%
                                0%          0%          0%         0%          0%
                                0%          0%          0%         0%          0%

select legal entity/country
Country VAT

                              3.5%        3.5%        5.0%        7.0%      10.0%
                              1.4%        1.4%        1.4%        1.4%       1.4%
                                2%          2%          2%          2%         2%

                                 1           2           3           4          5
                              3.5%        3.5%        5.0%        7.0%      10.0%
                              0.0%        0.0%        0.0%        0.0%       0.0%
                              7.0%        7.0%        7.0%        7.0%       7.0%
                                 1           2           3           4          5
                            1.4%          1.4%        1.4%     1.4%      1.4%
                            3.0%          3.0%        3.0%     3.0%      3.0%
                            0.8%          0.8%        0.8%     0.8%      0.8%

                               1             2          3        4          5    6           7         8
                             20%           30%        40%      60%        80% 100%        100%      100%
                              0%           10%        20%      40%        60% 80%          80%      100%



                                            Corporate/IncomeTax rates                         choose your
                                                                                     choose your currency currency
Country VAT                        Sole proprietorship                                  your
                                                                                choose EUR legal Euro
                                                          Corporation imited Liability Company entity
                                                Partnership         L
                             15%           20%        20%      35%        35%        ETB        Ethiopian Birr
                             15%           18%        23%      32%        30%        GHS        Ghanan cedi
                             15%           26%        32%      40%        45%        KES        Kenyan Shilling
                             20%           20%        20%      35%        35%        SRD        Suriname Dollar
                             18%           27%         0%      20%        20%        ANG        Antillian Guilder
                             10%         17.5%         0%      25%         0%        AFN        Afghanistan Afghani
                             10%           35%        35%      35%        35%        MAD        Moroccon Dirham
                              8%           20%        20%      35%        35%        TRY        Turkish Lire
                              0%            2%         2%       2%         2%        ZAR        South African Rand
                             12%           18%        22%      30%        32%        CVE        Cape Verde Escudo
                                                                                                << add currency A >>
                                                                                     << add currency A >>
                                                                                                << add currency B >>
                                                                                     << add currency B >>
                                                                                                << add currency C >>
                                                                                     << add currency C >>




Copyright (c) IntEnt Entreprising across borders (2010)
Accounts Receivable Collections                               Accounts Payable Disbursements
              Percent of Collections                               Number of Days to Pay Supplie
                                0 to 30 days         100%                 0 to 30 days
                                31 to 60 days          0%                 31 to 60 days
                                More than 60 days      0%                 More than 60 days
               Total Collections Percentage         100.00%         Total Disbursements Percentag
                          9                10       11       12
                       100%               40%      30%      20%
                       100%              100%     100%     100%



          x Curr              1 Euro             Local Curr       Grace
                          1                 1         1               0
                          1            0.05437   17.889               1
                          1             0.5185   1.8783               2
                          1            0.00918   99.337               3
                          1            0.27199   3.6624               4
                          1            0.40649   2.4056               5
                          1            0.01529   65.099               6
                          1            0.08881   11.112               7
                          1            0.47988      2.08              8
                          1            0.10073   9.9013               9
                          1            0.00907   110.27              10
<< add currency A >>                                                 11
<< add currency B >>                                                 12
<< add currency C >>
s Payable Disbursements
umber of Days to Pay Suppliers
     0 to 30 days                   0%
     31 to 60 days                100%
     More than 60 days              0%
otal Disbursements Percentage    100.00%
Products/Services                                                                                                                                                          << Name of Company >>                                                                                            choose your currency

                                                                                                                                                                                    (1.) Revenue Management                                                                                                              (2.) Direct Cost Management                                                                             (3.) Operating Cost Management
    Instructions:                                                                                   A.     Product/Service Category               Sales price/unit         Monthly Capacity          Gross sales capacity                      Monthly # of units/ # of nights
                                                                                                                                                                                                                             Utilization/Occupancy               Net sales                  Direct costs/unit          Gross Margin/unit% Direct costs      Comments/notes                             Operating expenses
    1.) Choose Line of Business and subsequently define/list products or services:                         Prod/Serv A       Category I                                                                                                                                                                                                                                                                                                      << Name of Company >>                                           Figures in choose your currency
                    A.) for businesses with capacity constraints, i.e. Manufacturing,
                                                                                                           Prod/Serv B       Category II                                                                                                                                                                                                                                                                                  Personnel Budget
                       Specific Services, etc.;
                                                                                                           Prod/Serv C       Category III                                                                                                                                                                                                                                                                                                                         [/month]   [no. empl] [emp. yr] [/month]   1st year    2nd year      3rd year
                    B.) for Retail or Whole Sale, where constraints is less of an issue;or;
                    C.) for services such as Hotels, Lodging, Rentals, etc.                                Project A         Category IV                                                                                                                                                                                                                                                               Owner                                                                              1st year     -           -        -                -
    Note: Categories can be used when multiple products/services are offered                               Project B         Category IV                                                                                                                                                                                                                                                               Admin                                                                             2nd year      -                    -                -
                                                                                                                                                                                                                                                                                                                                                                                                       << add employee >>                                                                 3rd year     -                      0              -
    2.) In case of capacity constraint, estimate capacity utilization. Use industry benchmarks                                                                                                                                                                                                                                                                                                         << add employee >>                                                                              -                      0              -
    or estimates.                                                                                          Total/Avg Sales                                 #DIV/0!                                                       0                                                           -             #DIV/0!                  #DIV/0!                -                                                   << add employee >>                                                                             -                          0             -
                                                                                                                                                                                                                                                                                                                                                                                                       << add employee >>                                                                             -                          0             -
    3.) Determine Sales Price & Cost Structure , where possible COGS=Direct Costs
                                                                                                                                                                                                                                                                                                                                                                                                       Salaries & wages                                                             0                 -           -          -                 -

    4.) Establish monthly demand for product (Be realistic and contrast with Market analysis)       B.     Products          Category             Sales price/unit         Expected Demand           Gross sales capacity                                                                   Direct costs/unit          Gross Margin/unit% Direct costs      Comments/notes
                                                                                                           Product 1         Category I                                                                                                                                                                                                                                                                Salaries & wages                                  -
                                                                                                           Product 2         Category II                                                                                                                                                                                                                                                                                               Figures in
                                                                                                                                                                                                                                                                                                                                                                                                       Monthly overview of operating budget choose your currency
                                                                                                           Product 3         Category III                                                                                                                                                                                                                                                              Utilities (Gas/energy/water) expense
                                                                                                           Product 4         Category III                                                                                                                                                                                                                                                              Phone/Internet
                                                                                                           Product 5         Category III                                                                                                                                                                                                                                                              Sales & marketing
                                                                                                                                                                                                                                                                                                                                                                                                       Insurance
                                                                                                                                                                                                                                                                                                                                                                                                       Maintenance, repair
                                                                                                           Total Sales                                                                                               -                                                                             #DIV/0!                                         -                                                   Prof. Serv. (Legal/Account)
                                                                                                                                                                                                                                                                                                                                                                                                       Banking fees (service charge)
                                                                                                                                                                                                                                                                                                                                                                                                       Fuel/Fleet expenses
                                                                                                    C.     Prod/Serv         Category             Capacity                 Rates/day (per unit)                                            Gross
                                                                                                                                                                                                     # of days/months/yr Occupancy/Utilization sales               Net Sales                Depreciation costs/unit Gross Margin/unit% Direct costs         Comments/notes                             Office supplies expense
                                                                                                           Standard          Rooms                                                                                                                                                                                                                                                                     Security
                                                                                                           Executive         Cars                                                                                                                                                                                                                                                                      Provision bad debt*
                                                                                                           Deluxe            Apartments                                                                                                                                                                                                                                                                Travel
                                                                                                                                                                                                                                                                                                                                                                                                       Cleaning
                                                                                                                                                                                                                                                                                                                                                                                                       Miscellaneous/Other
                                                                                                                                                                                                                                                                                                                                                                                                       <<add expense>>
                                                                                                                                                                                                                                                                                                                                                                                                       <<add expense>>
                                                                                                           Total Sales                                                                                                                                      -                        -             #DIV/0!                                         -                                                   Total operating expenses                          -

                                                                                                           TOTAL SALES                                                                                                                                                               -             #DIV/0!                                         -

                                                                                                 Select                           Jan
                                                                                                            Seasonality effect [monthly]                     Feb                    Mrt                       Apr                  Mei                Jun                      Jul                   Aug                      Sep               Okt               Nov          Dec    Totals
                                                                                                           Seasonal demand               20%                         30%                       40%                   60%                 80%                100%                     100%                       100%                100%              40%                30%    20%                    Loan interest                                     -
                                                                                                           Sales                           0                           0                         0                     0                   0                   0                        0                          0                   0                0                  0      0            0
                                                                                                           Cogs                            0                           0                         0                     0                   0                   0                        0                          0                   0                0                  0      0            0       Depreciation                                      -

                                                                                                 Select     Startup effect                    1                        2                         3                     4                   5                  6                        7                           8                   9            10                    11     12   Totals
                                                                                                           Startup year1                     0%                      10%                       20%                   40%                 60%                80%                      80%                        100%                100%          100%                  100%   100%
                                                                                                           Sales                              0                        0                         0                     0                   0                  0                        0                           0                   0             0                     0      0            0
                                                                                                           Cogs                               0                        0                         0                     0                   0                  0                        0                           0                   0             0                     0      0            0



Market Analysis                                                                                            << Name of Company >>

    Overview of what the market looks like (use external market resources where possible)                                                                                                                                    choose your currency
                                                                                                                                                  Total annual Market                                                        Annual Sales
    Instructions:                                                                                          Product           Product Category     volume                   Annual Sales vol.         Market share%           value
    1.) Obtain top down market overview
    2.) Verify with bottom-up view as well
    3.) Use conservative estimations




                                                                                                                                                                                                                                         -




+                                                                                                Copyright (c) IntEnt Entreprising across borders (2010)                                                                                                                                                                                                                                           +
Investments & Finance (InFi)

  Instructions:
  1.) Begin with a breakdown of which investments and startup costs are required , check the box if entrepreneur already contributes that asset to the business
  2.) Tick Checkbox if investment is already done by entrepreneur
  3.) Financing; If properly used the sheet will provide a table with owner's input/contribution/equity and what needs to be financed through external funding
  4.) Depreciation and Amortisation perdiods dependent on accounting rules per country (note: certain prepaid expenses can be amortized, please review accordingly)
  5.) Overview of Financing; i.e. Loan Amortization schedule (automatically generated)



   1.) Investment Needs                                    << Name of Company >>             Figures in choose your currency
          Fixed
   Check O/I Assets:                                       amount         Depr. Period (yrs) Depr.             Year 1                                   Year 2           Year 3           Year 4           Year 5
          Real estate
          Workplace                                                                                  35                 -                      -                 -                -                -                -
          Company Minivan                                                                             5                 -                      -                 -                -                -                -
          Manufacturing equipment                                       -                             5                 -                      -                 -                -                -                -
          Office equipment (Computers)                                                                3                 -                      -                 -                -
          <<add investment in fixed asset>>
          <<add investment in fixed asset>>
          <<add investment in fixed asset>>
          Totals fixed assets                                           -                                               -                      -                 -                -                -                -

                                                         amount
          Operating Capital/Expenses (Current/Other Assets:)                    Depr. Period (yrs) Depr.                        Year 1                  Year 2           Year 3           Year 4           Year 5
          Working Capital (Cash at hand)
          Printwork/Website domain
          Inventory
          Tools & Fixtures                                                                            5                     0                       0                0                0                0                0
          Legal/Advisory
          Deposits / Prepaids
          Advertising & Promotion
          Insurance premiums
          Licenses
          Other
          <<add operating prepaid expenses>>
          <<add operating prepaid expenses>>
          Totals Operating capital expenses                             -

                                                                                Depr. Period (yrs) Depr.                        Year 1                  Year 2           Year 3           Year 4           Year 5
           Monthly Depreciation                                                                                         -                      -                 -                -                -                -
          Total yearly Depreciation                                                                                     -                      -                 -                -                -                -

                                                                                Amor. Period              Amortization          Year 1                  Year 2           Year 3           Year 4           Year 5
           Prepaid expenses                                             -                            3                -                        -                 -


          Start-up expenses                                amount
           IntEnt training
           Feasibility
           <<add start-up expenses>>
           <<add start-up expenses>>
           Totals Start-up expenses                                     -



           Total Investment                                             -

   -              Manufacturing equipment detailed breakdown
                                           Machine A
                                           Machine B
                                           Machine C
                                           Machine D
                                           Machine E
                                           Machine F
                            <<add manuf. Equipment>>
           Total Manuf. equipment investment                            -


   2.) Financing
          << Name of Company >>                            Figures in choose your currency
           Owner's equity/input                             amount



           Company Minivan                                              -
           Manufacturing equipment                                      -
           Office equipment (Computers)                                 -




           Printwork/Website domain                                     -

           Tools & Fixtures                                             -
           Legal/Advisory                                               -
           Deposits / Prepaids                                          -
           Advertising & Promotion                                      -

           Licenses                                                     -
           Other                                                        -


           IntEnt training                                              -




           Total owner's input                                          -

                                                           Own equity           Debt
          Financing structure (IntEnt)                        #DIV/0!                  #DIV/0!                #DIV/0!

           Total Financing Need                                                                  -

          (Optional) Equity financing                                                            -

   3.) Loan Amortization                                   << Name of Company >>                          Figures in choose your currency
                                                           Interest %           Principal                 Interest              Loan period (yrs)       Grace period (months)
          Bank loan summary                                             12%                      -                      -                           5               6

                                                    Year                    1                         2                     3                       4                5
          Annual Loan repayment w/o grace                               -                        -                      -                      -                 -
          Annual Interest w/o grace                                     -                        -                      -                      -                 -
          Annual debt service w/o grace                                 -                        -                      -                      -                 -
          Effective Loan repayment                                      -                        -                      -                      -                 -
          Effective Interest                                            -                        -                      -                      -                 -
          Total effective debt service                                  -                        -                      -                      -                 -
          Loan Balance                                                  -                        -                      -                      -                 -




                                                           Copyright (c) IntEnt Entreprising across borders (2010)
Profit & Loss statement              << Name of Company >>

       Year-by-year profit and loss assumptions
                                      Expected                                                  1 Yr       2 Yr       3 Yr       4 Yr       5 Yr
              Annual cumulative autonomous demand (revenue) increase                           3.5%       3.5%       5.0%       7.0%      10.0%
                    Annual cumulative inflation (expense) increase                             1.4%       1.4%       1.4%       1.4%       1.4%

       Figures in choose your currency                                                          1 Yr       2 Yr       3 Yr       4 Yr       5 Yr
       Revenue
                                   Gross revenue                            #DIV/0!               0         0          0          0          0
                                   Cost of goods sold                       #DIV/0!               0         0          0          0          0
                                   Gross margin                             #DIV/0!               0         0          0          0          0

       Operating expenses
                                     Salaries & wages                       #DIV/0!               0         0          0          0          0
                                     Utilities (Gas/energy/water) expense   #DIV/0!               0         0          0          0          0
                                     Phone/Internet                         #DIV/0!               0         0          0          0          0
                                     Sales & marketing                      #DIV/0!               0         0          0          0          0
                                     Insurance                              #DIV/0!               0         0          0          0          0
                                     Maintenance, repair                    #DIV/0!               0         0          0          0          0
                                     Prof. Serv. (Legal/Account)            #DIV/0!               0         0          0          0          0
                                     Banking fees (service charge)          #DIV/0!               0         0          0          0          0
                                     Fuel/Fleet expenses                    #DIV/0!               0         0          0          0          0
                                     Office supplies expense                #DIV/0!               0         0          0          0          0
                                     Security                               #DIV/0!               0         0          0          0          0
                                     Provision bad debt*                    #DIV/0!               0         0          0          0          0
                                     Travel                                 #DIV/0!               0         0          0          0          0
                                     Cleaning                               #DIV/0!               0         0          0          0          0
                                     Miscellaneous/Other                    #DIV/0!               0         0          0          0          0
                                     <<add expense>>                        #DIV/0!               0         0          0          0          0
                                     <<add expense>>                        #DIV/0!               0         0          0          0          0
                                     Total operating expenses                                     0         0          0          0          0

       Operating income before Depreciation/Interest/Tax (EBITDA)                                 0         0          0          0          0


                                     Depreciation                                                 0         0          0          0          0
                                     Amortization                                                 0         0          0          0          0

       Operating income before Interest/Tax (EBIT)                                                0         0          0          0          0


                                     Interest expense on debt                                     0         0          0          0          0

       Earnings before taxes and extraordinary items (EBT)                                        0         0          0          0          0

       * Extraordinary items:            Once off start-up expenses                               0
       Incidental gains or losses

       Earnings before taxes (EBT)                                                                0         0          0          0          0

       Taxes on income                                           select legal entity/country #VALUE!   #VALUE!    #VALUE!    #VALUE!    #VALUE!

       Net income (loss)                                                                  #VALUE!      #VALUE!    #VALUE!    #VALUE!    #VALUE!




   +                                 Copyright (c) IntEnt Entreprising across borders (2010)

       List
Cash Flow                                                                   << Name of Company >><< Name of Company >>                    << Name of Company >>
Instructions:
    1.) Cashflow is automatically constructed from input (results) from previous sheets)
    2.) Although assumptions do vary per country, per branche. Taking into account bad debt, in general 5% is acceptable but other % are posible (country dependent)
    3.) Similarly, on the supply side a delay by 1 month for payment of supplier is not uncommon
    Click on the + sign left of row 24, 43 and above column Q and the rest of the table will unfold.



                                                                                         choose your                  choose your                       choose your
                                                                                         currency                     currency                          currency
                                                                            Year 1       Year 1          Year 2       Year 2              Year 3        Year 3
                    Month:                                                   Pre-Start       Totals                       Totals                            Totals
                    Opening Cash Balance                                             0    #VALUE!                       #VALUE!                           #VALUE!

                    Cash Inflows
                    Total Cash Inflows                                               0    #VALUE!                       #VALUE!                           #VALUE!

                    Cash Outflows from
                    Payments Cash Outflows                                   #VALUE!      #VALUE!                       #VALUE!                           #VALUE!

            44      Total Cashflow from Operations                           #VALUE!      #VALUE!                       #VALUE!                           #VALUE!

            44      Operating Cash Balance                                   #VALUE!      #VALUE!                       #VALUE!                           #VALUE!

                    VAT settlement                                                         #VALUE!                       #VALUE!                           #VALUE!
+                 WIP/inventory
                    Work in Progress/inventory                                                       0                             0                                   0




                  Copyright (c) IntEnt Entreprising across borders (2010)
Balance sheets
                                                               << Name of Company >> Pro Forma Balance Sheet
Instructions:                                                                                                                               currency
                                                                                                                   Pre-start in choose your Year 1      Year 2        Year 3
See comments        Assets
                                           Current Assets
                                                                           Cash                                              -           #VALUE!       #VALUE!       #VALUE!
                                                                           Accounts Receivable                               -                -             -             -
                                                                           Inventory                                         -                -             -             -
                                                                           Prepaid expenses                                  -                -             -
                                                                           Tools & Fixtures                                  -                -             -              -
                                                                           Other current assets                              -                -             -              -
                                           Total Current Assets                                                              -           #VALUE!       #VALUE!       #VALUE!

                                           Fixed Assets
                                                                           Real estate                                       -                  -            -             -
                                                                           Workplace                                         -                  -            -             -
                                                                           Company Minivan                                   -                  -            -             -
                                                                           Manufacturing equipment                           -                  -            -             -
                                                                           Office equipment (Computers)                      -                  -            -             -
                                                                           <<add investment in fixed asset>>                 -                  -            -             -
                                                                           <<add investment in fixed asset>>                 -                  -            -             -
                                           Total Fixed Assets                                                                -                  -            -             -

                                           Less: Accumulated Depreciation                                                    -                  -            -             -


                    Total Assets                                                                                            -           #VALUE!        #VALUE!       #VALUE!


                   Liabilities and
                   Owner's Equity
                                           Liabilities
                                                                           Accounts Payable                                     -                -               -             -
                                                                           Loan Payable                                         -                -               -             -
                                                                           Mortgage Payable                                     -                -               -             -
                                                                           Other Payable (VAT)                                  -         #VALUE!      #VALUE!       #VALUE!
                                                                           Vehicle Loans                                        -                -               -             -
                                                                           Other Bank Debt                                      -                -               -             -
                                                                           Overdraft                                            -         #VALUE!      #VALUE!       #VALUE!
                                           Total Liabilities                                                                    -         #VALUE!      #VALUE!       #VALUE!


                                           Owner's Equity
                                                                           Owner input                                          -                -               -             -
                                                                           Retained Earnings                                                #VALUE!      #VALUE!       #VALUE!
                                                                           Dividends Dispersed                                                   -               -             -
                                           Total Owner's Equity                                                                 -         #VALUE!      #VALUE!       #VALUE!


                                                                                                                            -           #VALUE!        #VALUE!       #VALUE!

                                                                                                                                          #VALUE!      #VALUE!       #VALUE!
                   +                       Check:                                                              Statement Balances           #VALUE!      #VALUE!       #VALUE!


                 Copyright (c) IntEnt Entreprising across borders (2010)




+
Analysis & Charts                                                   << Name of Company >>


  Category        Financial Analysis                                Ratios/%     Comments/Explanations
                                                                                                                                                                                                                                                       Debt Service Capacity Ratio   =   Operating income before Depreciation/Interest/Tax (EBITDA)
  Liquidity       Debt Service Capacity Ratio                         #DIV/0!    Measures capacity to cover principal and interest (P&I) payments from current operations                                                                                                                                   Total Debt Service


                                                                                 More stringent measure than 'total debt to total assets' ratio of a firm's financial risk. The lower this ratio,
  Solvency        Solvency Ratio                                      #VALUE!                                                                                                                        Total Debt/Net worth
                                                                                 generally the better off the firm. Formula: Total liabilities ÷ net worth (Owners Equity)
  Liquidity       Current Ratio                                       #VALUE!    Ability to survive over the near term, by being able to meet obligations with available funds.
  Profitability   Return on Equity (ROE)                              #VALUE! Return on equity measures a corporation's profitability by revealing how much profit a company generates
                                                                                 with the money shareholders have invested.
                  Cashflow ratio (EBITDA/Debt)                         #DIV/0!   Company's ability to meet long term obligation [EBITDA/Interest baring Debt] (use avg score 2-3 year) Debt
  Cashflow
                                                                                 =Outstanding Loan Balance
  Size            Size of Net Sales                                            0 Demand of sales generated by a company after the deductions of returns. (Waste/damaged/missing
                                                                                 goods/discounts) Use data of 1st FULLY Operational year


                                                                                                                                                                                                                                Charts input
                                                                                                                                                  1                     Highlights (planned)                                    Highlights (Planned)               1 Yr      2 Yr          3 Yr      4 Yr                  5 Yr
                                                                                                                                                  1                                                                             Net Sales                          0       0                   0        0                    0
                                                                                                                                                  1
                                                                                                                                                                                                                                Gross Margin                       0       0                   0        0                    0
                                                                                                                                                                                                                                Net Profit                    #VALUE! #VALUE!        #VALUE!       ######       #VALUE!
                                                                                                                                                  1
                                                                                                                                                  1                                                              Net Sales
                                                                                                                                                  1                                                              Gross Margin
                                                                                                                                                  0                                                              Net Profit
                                                                                                                                                  0
                                                                                                                                                  0
                                                                                                                                                  0                 0               0                0
                                                                                                                                                  0
                                                                                                                                                             1 Yr            2 Yr             3 Yr

                  IntEnt Financing structure pie

                  Owners' input                                             -
                  Liabilities & Loans                                       -



                                   IntEnt Financing Structure
                                           0%




                                                                                     Owners' input
                                                                                     Liabilities & Loans




                                                                                                   Market Analysis pie
                  Copyright (c) IntEnt Entreprising across borders (2010)

				
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posted:5/16/2012
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