Financial statement engine
Historic accounts are normalised into a common chart, adjusted for one-offs and leases, and reconciled so that every ratio traces back to a source line item.
CFoncier Analytics
Modelling, scenario analysis and analytical workflow technology under development — cash-flow modelling, valuation, scenario and stress testing in a single, reproducible environment.
Analysis that can be reproduced, not just presented
Most financial analysis is still built in spreadsheets that are copied, emailed and quietly diverged. The numbers look authoritative in a committee pack, yet nobody can say with certainty which version produced them, which curve was used, or what would happen if a single assumption moved. CFoncier Analytics exists to close that gap between how analysis looks and how reliable it actually is.
The platform normalises historic financial statements, builds integrated projections, prices and stresses the resulting structure, and monitors the position after it is funded — all against one versioned set of assumptions. Every output carries the identity of the model, the data vintage and the analyst who ran it.
It is built alongside CFoncier Checker, our AML and CFT verification platform, so that counterparty integrity and transaction quality are assessed within a single case file rather than two disconnected processes.
Inside the application
A representation of the credit workspace: headline metrics, projected cash generation and the scenario matrix that accompanies every committee paper.
CFoncier Analytics — Credit Workspace
Run 7741 · curves pinned 12:00 ETInternal rating
BBB−
Model-implied, analyst confirmed
DSCR (min, base)
1.42×
Trough in FY3
Leverage (net debt / EBITDA)
3.1×
Deleveraging to 2.2× by FY5
Equity IRR (base)
16.4%
5-year hold
Break-even revenue decline
−18%
Before covenant breach
Loss given default
24%
Secured, post-recovery
Free cash flow — 16 quarters
Base caseFY1 Q1FY4 Q4
Revenue CAGR68
EBITDA margin74
Covenant headroom46
Liquidity buffer81
Scenario matrix
| Scenario | Growth | Margin | Min DSCR | Assessment |
|---|---|---|---|---|
| Base | +4.0% | 18.5% | 1.42× | Within covenant |
| Downside | −2.5% | 15.1% | 1.18× | Headroom thin |
| Severe | −9.0% | 11.4% | 0.94× | Breach in FY3 |
| Rate shock +300bp | +4.0% | 18.5% | 1.09× | Headroom thin |
| Commodity −25% | −6.0% | 13.2% | 1.03× | Watchlist |
Audit strip
12:04Assumption changed — capex FY2 +2.0mj.marin
12:02Curve set pinned — USD SOFR 30-Junsystem
11:58Statements imported — FY19–FY24 auditeda.ferreira
11:51Model version 4.2 approved for userisk.review
Illustrative interface — data shown is fictitious
Modules
Cash-flow and debt-service modelling
Integrated three-statement projections with amortisation schedules, covenant tracking, DSCR, ICR and headroom calculated on each forecast period.
Valuation
Discounted cash flow, comparable company and precedent transaction approaches run in parallel, with a reconciliation bridge explaining the spread between them.
Scenario and stress testing
Base, downside and severe cases are defined as parameter sets rather than duplicated files, so a change in assumption propagates through every case at once.
Asset and concentration analytics
Concentration, liquidity horizon and sensitivity analysis across asset classes, applied to the assessment of projects and counterparties under review.
Assessment monitoring
Indicators by counterparty, sector, jurisdiction and instrument type, with threshold events and analytical drift surfaced as dated records.
Market data integration
Curves, benchmark rates, FX and commodity prices are ingested on a schedule and pinned to each run so results remain reproducible after the market moves.
Reporting
Analysis papers, internal review packs and periodic reviews are generated directly from the model, removing the copy-and-paste layer entirely.
Design principles
One model, not forty spreadsheets
Assumptions live in a single versioned object. There is no question of which file was the final one, because there is only one, and every change to it is attributed.
Reproducible by construction
Every run pins its input data, market curves and model version. A committee decision taken last quarter can be re-run today and produce the identical output.
Transparent, not black box
Any figure can be expanded to the formula and the source line behind it. Nothing material is produced by logic an analyst cannot inspect.
Judgement stays with people
The platform ranks, projects and stresses. Ratings, approvals and pricing remain decisions of the responsible institution.
Who uses it
Transaction assessment
Assessing proposed transactions, testing capacity assumptions and reviewing documentation packages before conclusions are formed.
Internal review committee
Consistent, comparable papers across transactions, with the same metrics computed the same way each time.
Ongoing assessment
Periodic re-review of counterparties and projects under analysis, with early-warning indicators surfaced over time.
Risk and compliance
Independent validation, model-change review and evidence that decisions rest on documented analysis.
Register interest in CFoncier Analytics
If your institution would like to be considered for early access, or to discuss a specific analytical requirement, we are glad to hear from you. You may also explore our CFoncier Checker.
CFoncier Analytics is modelling, scenario analysis and analytical workflow technology under development. Figures shown are illustrative and do not represent any actual transaction. CFoncier Analytics is not investment advice, portfolio management or a regulated financial service, and nothing on this page constitutes an offer of software.