Document analysis

Presence of partners in previously bankrupt or liquidated companies

Correspondence between the declared assets of the partners and personal financial transactions

Unusual frequency of address change, indicative of tax or operational evasion.

Social contracts and balance sheets with common inconsistencies or frauds

Related parties to politically exposed person (PEP) situations

Number of changes to the articles of incorporation involving the exchange of partners in the last 2 years

Automatic detection of inconsistencies or tampering in the submitted balance sheets

Stable or decreasing level of operating costs relative to revenue over the last 12 months

Relationship between recurring revenue and total revenue exceeding 50%

Consistent history of revenue growth over the last 24 months

EBIT margin above the industry average

Presence of potentially harmful or ambiguous clauses in the Social Contract

Partners have a significant business relationship with competing companies

Number of members with a negative personal credit history

The Social Contract has been amended more than 3 times in the last year.

Debt ratio below 70%

Positive variation in Equity over the last 12 months

Liquidity ratio above 1.2