Finding the necessary indicators in the company's balance sheet
After that, it is necessary to distribute assets by liquidity, and liabilities by maturity.
For example, let's take a company engaged in wholesale distribution of various products. The company has two trucks at its disposal, acquired on lease. The goods are waiting to be sold in warehouses.
The company's scheme of work with suppliers of goods is prepayment. The list of its debt obligations includes a short-term loan, the repayment period of which is one marketing with stockholder database year. In addition, the company has a short-term lease with a term of one year and a long-term lease, the repayment period of which is more than one year.
Indicators Meaning What group of assets and liabilities does it belong to?
Money in the account and in the cash register 6,570,000 rubles A1
Prepayment of suppliers, customer accounts payable for goods 109,123,000 rubles A2
Finished goods in stock 186,312,000 rubles A3
Trucks 7,695,000 rubles A1
Taxes, employee salaries, rent and utility bills 2,329,000 rubles P1
Short-term working capital, prepayment from customers for goods, short-term lease, overdraft 225,742,000 rubles P2
Long term leasing 797,000 rubles P3
Equity capital 81,000,000 rubles P4
Conducting an analysis of the ratio of asset and liability groups
Ratio Conclusion
A1 > P1 6,570,000 rubles > 2,329,000 rubles The company has enough funds to pay taxes, transfer salaries to employees and cover other needs.
A2 < P2 103,123,000 rubles < 225,742,000 rubles If there is a delay in payment for goods from customers, the company may have problems transferring money to suppliers on time.
A3 > P3 186,312,000 rubles > 797,000 rubles Payment of all long-term obligations is possible only on condition of sale of all available goods.
A4 < P4 7,695,000 rubles < 81,000,000 rubles The company has a lot of property at its disposal. But there is more money in its accounts than any real estate. This means that the company's liquidity is normal, therefore, the organization will have a good reputation and a good chance of getting a loan, which it will be able to repay soon.
Judging by the ratio of assets and liabilities of the enterprise, the only possible problem in its work is a shortage of funds that can be spent on paying off the debt. But if the enterprise has a lot of goods and resources on its balance sheet, there will be no particular difficulties in paying off the debt.
Calculation of the enterprise liquidity ratio
The conclusions are as follows. When calculating the balance sheet liquidity, as well as the current liquidity ratio, it can be seen that the company is quite capable of paying off its loan obligations.
Calculation of the enterprise liquidity ratio
Since the other indicators still differ slightly from the standards, bank employees will study the intricacies of the work for a long time and, based on this, will make a decision on issuing the amount or refusing the loan.
In general, it can be said that the company has a good solvency indicator. This is because the existing assets are quite sufficient to pay off short-term debt. Accordingly, the organization has a high chance of approval of the loan application.
How to achieve multiple growth in traffic and sales from your website?
Alexey Boyarkin
Dmitry Svistunov
Head of SEO and Development
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I have always been concerned about the issue of moving to a fundamentally new level. So that the indicators would grow not by 2 or 3 times, but by several orders of magnitude. From a thousand visits to ten thousand or from ten thousand to a hundred thousand, if we are talking about a website, for example.
And I know that such leaps are always the result of painstaking work in five areas:
Technical condition of the site.
SEO.
Collection of site semantics.
Creating useful content.
Working on conversion.
And at the same time, every manager needs an increase in sales and the number of applications from the site at the moment.