An Introduction to Your Financial Health Zone

If you have the necessary user permissions, you can access the Financial Health Zone through the entry portal located in your George Business side menu. From there, George will guide you directly to an overview of your company's current rating, based on the latest data available to the bank.

The rating levels range from "Critical" (8) to "Best" (1). The graphic in George Business indicates whether your company's financial health is within the green zone or outside of it.

George Business also shows how your rating compares to the industry average.

Hovering over the graphic with your mouse provides more information about the displayed data. For instance, George Business explains what a specific rating indicates about a company's financial health.

Below the graphic, you will find a summary of the key financial ratios that contribute to the overall rating. These ratios are divided into the areas of profitability, liquidity, and leverage. Indicators of healthy, critical, or areas in need of improvement help you better understand the ratings and serve as an "early warning system."

From there, you can access detailed information on each ratio that is assessed and categorised.

George Business also presents each financial ratio with a graphic that shows your company's value both in absolute terms and in relation to the industry average.

You can also track the development of each ratio over the past few years, where data is available.

By clicking on the info icon and selecting "More about this ratio," George Business provides detailed general explanations for each metric. For instance, it explains key aspects of the equity ratio. This helps you better understand the evaluation and, ideally, provides decision-making support for your company.

At the end of your Financial Health Zone's dashboard, you can find the entry point for the Working Capital Simulator, designed to help you improve your working capital situation and set free liquidity.