Financial data stays fragmented
Liquidity, receivables, earnings and revenue movement are often assessed in separate files and systems.
FINANCIAL EARLY WARNING FOR THE MITTELSTAND
Know how stable your business really is.
AI-CRF Monitor turns a focused set of financial figures into a reproducible Business Health Score. See where financial pressure is developing, how the position changes over time and which area requires attention first.
No generative-AI scoring. No black box. Every calculation is documented and reproducible.
AI-CRF Monitor
72
Business Health Score72
Liquidität64
Working Capital58
Profitabilität81
Umsatzentwicklung76
Kundenkonzentration84
Illustrative sample data - not a real company assessment
BETWEEN THE ANNUAL ACCOUNTS AND THE BANK BALANCE
Many businesses recognise financial pressure only after their room to act has already narrowed.
Annual accounts explain the past. The current bank balance shows only a point in time. What is often missing in between is one consistent view, one defensible comparison and one set of priorities.
Warning signals connect too late
One overdue invoice may look manageable. Several negative developments together can become relevant very quickly.
Portfolio companies are hard to compare
Holdings and advisers need a common logic without pretending every company shares the same operating model.
Measures remain generic
"Cut costs" or "chase receivables" is not prioritisation. Decision-makers need a concrete first step.
HOW IT WORKS
From financial facts to a practical decision view in a few steps.
01
Create a company
Capture the master data for one or more portfolio or operating entities.
02
Enter the core metrics
Provide the key values for liquidity, working capital, profitability, growth and customer concentration.
03
Calculate the score
AI-CRF Monitor calculates the Business Health Score and five transparent dimension scores.
04
Track change over time
Compare assessments over time and see whether management actions are actually changing the position.
One score. Five clearly separated perspectives.
Liquidity resilience
How long do realistically available funds last, and how well are the next 30 days covered?
Working capital
How much pressure comes from overdue receivables, unbilled work and short-term obligations?
Profitability
What earnings contribution is the current operating model generating?
Revenue momentum
How is revenue moving versus the comparable prior period?
Customer concentration
How dependent is the business on its largest customer?
The total score combines these perspectives through fixed, published weights. No dimension disappears inside an opaque model choice.
Built for recurring management decisions.
Reproducible Business Health Score
The same inputs and the same formula version always produce the same result.
Historical development
Paid plans show how total and dimension scores move from one assessment to the next.
Portfolio overview
Compare several companies on the same logic and direct attention where it is needed most.
Deterministic recommendations
Recommendations are triggered by documented rules, not improvised by a language model.
Auditable record
Inputs, derived metrics, formula version and results stay together as one traceable record.
Organisation and role model
Business customers can work with several team members inside clear permission boundaries.
For people who need to decide between formal reporting cycles.
Managing directors and owners
Get a compact but defensible view of financial pressure across one or more businesses.
CFOs and finance teams
Add a repeatable health indicator to existing reporting, cash planning and steering routines.
Holdings
Compare portfolio companies using one formula and one documented input structure.
Tax advisers and auditors
Use a structured interim view without positioning the score as an audit, valuation or statutory opinion.
EXPLAINABILITY
A score must be explainable before it can be trusted.
AI-CRF Monitor uses weighted mathematics and documented thresholds. The system stores the applied formula version and shows how each dimension is produced.
Formula version stored with every assessment
Visible weights and threshold tables
No LLM-based point allocation
No estimation of missing financial values
Reproducible outcomes
Documented data-quality warnings
Start free with one company.
All prices exclude statutory VAT. Payment processing remains in Stripe Test Mode until explicit approval is given.
Free
For the first operational baseline
€0
Free, no credit card required
- 1 active companies
- 1 organisation member
- Latest assessment per company only
- Up to 1 priority recommendation
- No portfolio history
Pro
For ongoing business steering
€49
€49 per month, excluding VAT
- 5 active companies
- 1 organisation member
- Full assessment history
- Up to 3 priority recommendations
- Portfolio overview included
Business
For portfolios and teams
€199
€199 per month, excluding VAT
- 25 active companies
- 10 organisation members
- Full assessment history
- Up to 5 priority recommendations
- Portfolio overview included
Frequently asked questions
Is the Business Health Score a credit rating?
No. The score is an internal management indicator. It does not replace a credit rating, audit, valuation or formal assessment of insolvency risk.
Is the score estimated by artificial intelligence?
No. The score is produced by documented mathematics. Identical inputs within the same formula version produce the same outcome.
Which data is required?
The model uses available cash, expected inflows and outflows, fixed operating costs, receivables, short-term payables, revenue, EBITDA and customer concentration.
Do I need to connect my accounting system?
No. In the first version the values are entered manually, which keeps the process controlled and avoids a forced systems integration.
Can I manage multiple companies?
Yes. The number depends on the selected plan.
Can several people work together?
The Business plan supports up to ten organisation members. Free and Pro are initially designed for a single user.
Are my financial inputs used to train an AI model?
No. The first version does not use financial inputs to train a generative AI model.
Can the score rule out insolvency?
No. The score is not a formal insolvency, over-indebtedness or legal assessment and does not replace specialist advice.
Start on Free
Start with a defensible baseline.
Create your first company, enter the key financial values and receive a reproducible assessment.