Financial Plan
- Complete financial plan, compliant with local law
- Assumptions, investments, financing
- A4 report in French, Dutch or English
- First module available in beta
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FinSighter
Understand your finances.
The financial core of InSighter. First module: a complete financial plan that meets the legal requirements of each file's country. Financial analysis, credit files, valuation and reporting will follow, all on a single calculation engine.
My firm / Home● 200 creditsDE
Hello
Your applications. The same client file can be opened in several of them.
Financial planScenarios · 24-month cash flow · built-in engine
Standalone engine active
FR NL EN75% completed
ReportPrintable preview. Choose the report language.
Report language
Plan financierFinancieel planFinancial planConstitution de la sociétéOprichting van de vennootschapIncorporation of the company
Atelier Pain & LevainSRL — Société à responsabilité limitéeBV — Besloten vennootschapSRL — Private limited company
Contenu du plan financierInhoud van het financieel planContents of the financial plan
| 1. | Déclaration du fondateurVerklaring van de oprichterFounder's statement | 2 |
| 2. | Avant-proposVoorwoordForeword | 3 |
| 3. | IdentificationIdentificatieIdentification | 5 |
| 4. | Sources de financementFinancieringsbronnenSources of financing | 6 |
| 5. | Bilan d'ouvertureOpeningsbalansOpening balance sheet | 7 |
Compte de résultats projetéGeprojecteerde resultatenrekeningProjected income statement
| RubriqueRubriekItem | Code | 2027 | 2028 | 2029 |
|---|---|---|---|---|
| Chiffre d'affairesOmzetTurnover | 70 | 330 000 € | 264 000 € | 264 000 € |
| Marge bruteBrutomargeGross margin | 9900 | |||
Credit fileRepayment capacity · DSCR · covenants
Standalone engine active
FR NL EN
Repayment capacity
Debt service is set against the free cash flow of each year. A ratio below 1.20 is refused by most banks.
Amount requested€600,000investment loan over 7 years
Average DSCR1.78minimum required: 1.20
Net debt / EBITDA3.51covenant: 3.50
| Year | Free cash flow | Debt service | DSCR | Status |
|---|---|---|---|---|
| 2025 | €268,000 | €149,000 | 1.80 | Met |
| 2026 | €251,000 | €149,000 | 1.68 | Met |
| 2027 | €277,000 | €149,000 | 1.86 | Met |
The net debt / EBITDA covenant is exceeded by 0.01 point in the current year: the bank has to be told before the accounts are closed.
Financial analysisRatios · trend · sector positioning
Standalone engine active
FR NL EN
Ratios and trend
Each ratio is compared with the two previous years and with the sector median, to tell a drift apart from a normal swing.
EBITDA margin10.3%17.1% in 2025
Customer payment days52 d42 d in 2025
Break-even point88%of the turnover achieved
| Ratio | 2025 | 2026 | 2027 | Sector |
|---|---|---|---|---|
| EBITDA margin | 17.1% | 14.2% | 10.3% | 12.0% |
| Customer payment days | 42 | 46 | 52 | 45 |
| Gross margin rate | 60.0% | 58.1% | 56.0% | 57.5% |
Three ratios out of eleven are off the sector median. The erosion of the gross margin alone explains half of the EBITDA margin lost.
Features
What FinSighter does.
For accounting firms, businesses, business leaders, self-employed professionals and consultants.
Financial Analysis
- Liquidity, solvency, profitability
- EBITDA, cash flow, working capital requirement
- Customer and supplier payment terms
- Break-even point, ROE, ROA
Credit File
- Requested financing and investments
- Repayment capacity
- Collateral and scenarios
- Report for the bank
Valuation & Cashflow
- Valuation
- Cash-flow forecasts
- Sensitivity and simulations
- Version comparison
One engine, several countries
- Shared financial engine
- Country-specific accounting frameworks
- Standardised financial categories
- Configurable ratio definitions
Access
- Usable without FidSighter
- Sharing between firm and business
- Versioned files
- Exports
What does the financial plan include?
A complete financial plan, compliant with the law of the file's country, from incorporating a company to applying for financing:
- Assumptions, investments and financing
- Loans and staff
- 24-month cash flow and scenarios
- Print-ready A4 report
In which languages is the report produced?
In French, Dutch or English: you choose the report language when you print it.
Is the financial plan already available?
Yes, in beta: the financial plan module is open to a small number of firms. You can sign up via the beta form.
What will the financial analysis calculate?
The Financial Analysis module, planned after the financial plan, will calculate the main ratios and indicators:
- Liquidity, solvency and profitability
- EBITDA, cash flow and working capital requirement
- Customer and supplier payment terms
- Break-even point, ROE and ROA
Will it be possible to compare the business with its sector?
Yes. Each ratio will be positioned against companies in the same sector, by quartile, so you can tell whether a figure is low, average or high.
Will the break-even point be calculated?
Yes: the break-even point, the margin of safety, the date in the year on which it is reached, and operating leverage.
What will the credit file contain?
The Credit File module will prepare the financing application:
- Requested financing and investments
- Repayment capacity
- Collateral and scenarios
- Report for the bank
Will it be possible to stress-test a credit file?
Yes. A simulator varies revenue, margin, interest rate, term and loan amount, and immediately shows the effect on repayment capacity. Compliance with a bank covenant, such as the net debt / EBITDA ratio, is also checked.
What will the Valuation & Cashflow module cover?
The value of the business and its future cash:
- Valuation
- Cash-flow forecasts
- Sensitivity and simulations
- Version comparison
Which valuation methods are planned?
Several methods, weighted to give a value range:
- Discounted cash flow (DCF), with a detailed cost of capital and a sensitivity analysis
- Sector transaction multiples
- Adjusted net assets
- Earnings value
Will it be possible to value a shareholding or the impact of a project?
Yes: the value of a shareholding, with a minority discount, and the value created or destroyed by an investment project, by comparing forecasts with and without the project.
Does FinSighter work in several countries?
Yes. A shared financial engine relies on each country's own accounting frameworks, with standardised financial categories and configurable ratio definitions.
What happens to the figures once they have been analysed?
Other applications take over, using the same data:
- WinSighter turns them into costed recommendations for your advisory engagements
- RiskSighter derives financial risks and stress tests from them
- IntSighter answers your questions in plain language through its financial agent
Do I need FidSighter to use FinSighter?
No, FinSighter can be used on its own. If your firm uses FidSighter, every company entered in it is immediately available in FinSighter, with no need to enter it again.
Can a firm and its client work on the same file?
Yes. The firm invites the business, publishes deliverables and talks with the business leader in a discussion thread specific to the file. The business leader can also follow their figures day to day in BizSighter.
How do file versions work?
You freeze a version, for example the one sent to the bank, then you can compare two versions or go back to an earlier one.
Can I export the data?
Yes, in CSV: accounts, ratios, projections and debt service, so you can rework them in a spreadsheet.