Advisory: 360 diagnosis

SME financial diagnosis: a 360 analysis of your company

You know your business better than anyone. But your annual accounts tell a story that few executives take the time to decode: where margin is formed, where cash gets tied up, where risks accumulate. Sagora's 360 financial diagnosis turns your figures into a clear reading and quantified recommendations, so you decide on facts rather than impressions.

What the 360 diagnosis covers

The diagnosis reviews your company from every financial angle: formation of the result, balance sheet structure, cash and working capital, key ratios, position against the sector and risks. Each finding leads to a quantified, prioritised recommendation.

Income statement: formation of the result, margins, cost structure and their evolution.
Balance sheet: solidity, balance between stable resources and uses, indebtedness.
Cash and working capital: where cash is created, where it gets tied up, on what trajectory.
Key ratios: profitability, liquidity, solvency, interpreted and put into perspective.
Sector benchmark: your position against comparable companies, based on annual accounts filed with the NBB.
Risks and recommendations: prioritised findings, quantified actions, clear priorities.

The deliverable: 12 to 18 pages, readable and actionable

You receive a 12 to 18 page report written for an executive, not for an analyst: each section starts from the finding, explains it and leads to an action. A sample report is publicly available on this site so you can judge the level of detail before committing.

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When to commission a diagnosis?

The 360 diagnosis is most useful when a decision is approaching: financing, investment, transfer of the business, or when a weak signal (eroding margin, cash under pressure) deserves to be objectified before it becomes a problem.

Before a bank financing request, to present a situation under control.
Ahead of a sale, a transfer or an opening of capital.
When cash tightens without an obvious explanation.
As an annual review, to objectify the trajectory and set priorities.

Start with the free analysis

Before any assignment, you can request a first free analysis of your company, based on its public annual accounts. It gives you a concrete preview of our approach; the 360 diagnosis then deepens every dimension with you.

The team on your engagement

Professors at the Solvay Brussels School (ULB) and corporate finance practitioners. Participants rate our training programmes 5/5 on Google.

The diagnosis is carried out under the direction of Mathias Schmit, founder of Sagora, professor of finance at the Solvay Brussels School (ULB) and PhD in management science. Financial statement analysis has been at the heart of his teaching and practice since Sagora was founded in 2006.

Pr. Mathias Schmit

Founder and Managing Director of Sagora (company founded in 2006), Professor of finance and Director of Executive Education Programmes at Solvay Brussels School (since 2003), independent director. Mathias teaches module 1 "Financial diagnosis and planning" of the "Finance for managers" programme.

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Going further

Frequently asked questions

What data do you need to provide?

For a Belgian company, the annual accounts filed with the NBB are enough to start: they are public. The diagnosis gains depth with your internal data (trial balances, dashboards, forecasts) if you agree to share them.

How much does a 360 financial diagnosis cost?

The assignment is quoted case by case: the scope depends on the size of the company, the depth of analysis required and the data available. The scope is validated with you before any commitment.

How does it differ from the free analysis?

The free analysis is a first automated insight based on public accounts: it situates the company and flags points of attention. The 360 diagnosis is an advisory assignment: in-depth analysis, discussions with you, sector benchmark and quantified, prioritised recommendations.

For which companies is this diagnosis relevant?

For Belgian and Luxembourg SMEs, whatever the sector. The method adapts to the format of the available accounts, including abbreviated formats in which certain items are grouped.

What happens after the diagnosis?

The report stands on its own: findings, quantified recommendations, priorities. If you wish to be supported in the implementation (cash plan, financing file, bank discussions), Sagora's advisory team can continue with you.

Objectify your company's financial situation

Request the free analysis based on your public accounts, or talk to us directly about your situation.

Request the free analysis