Early Warning System
Financial risk insights for SMEs
Z Score
2.45
Safe Zone
SIDEM Score
63%
Watch
Risk Level
Low short term default risk
Financial Data Input
Enter or update key financial values to recalculate the scores.
Score Breakdown
- Liquidity index0.82
- Leverage index1.35
- Profitability index0.28
- Activity index0.40
Z Score Trend
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Cash Flow vs Debt
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Alerts
- DSCR dropped below 1.2 for the last quarter
- Receivables days trending up vs last year
- Equity ratio below internal threshold
Key Ratios Table
| Year | Z Score | SIDEM | Risk level | Comment |
|---|---|---|---|---|
| 2025 | 2.45 | 63% | Watch | Stable with slight pressure on cash flow |
| 2024 | 1.98 | 58% | Medium | Improved leverage after restructuring |