{"id":34191,"date":"2026-11-14T09:48:34","date_gmt":"2026-11-14T09:48:34","guid":{"rendered":"https:\/\/beneggiassociati.com\/?page_id=34191"},"modified":"2026-11-14T09:58:12","modified_gmt":"2026-11-14T09:58:12","slug":"bank-rating-check-calculator","status":"publish","type":"page","link":"https:\/\/beneggiassociati.com\/en\/bank-rating-check-calculator\/","title":{"rendered":"Bank rating check: early-warning ratios and bank view"},"content":{"rendered":"<p class=\"bng-eyebrow\">Your accounts read the way a bank reads them<\/p>\n<div id=\"bng-rating\"><\/div>\n<div id=\"bng-rating-gf\" hidden><script>\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof 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class='ginput_container ginput_container_phone'><input name='input_26' id='input_62_26' type='tel' value='' class='large'    aria-invalid=\"false\"  autocomplete=\"tel\"  \/><\/div><\/div><div id=\"field_62_1\" class=\"gfield gfield--type-email gfield--width-full exclude gfield_contains_required field_sublabel_above gfield--has-description field_description_above field_validation_above gfield_visibility_visible\" data-group-id=\"52634072\" data-field-span=\"12\"><label id='gfield_label_62_1' class='gfield_label gform-field-label' for='input_62_1'><span class='gform-field-label__text'>Email<\/span><span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='gfield_description' id='gfield_description_62_1'>Controller: Beneggi Societ\u00e0 tra Professionisti S.r.l., Via Maurizio Gonzaga 7, 20123 Milan, info@beneggiassociati.com. 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Full notice: <a href=\"https:\/\/www.iubenda.com\/privacy-policy\/26599214\" target=\"_blank\" rel=\"noopener\">privacy notice (in Italian)<\/a>.<\/div><div class='ginput_container ginput_container_email'>\n                            <input name='input_1' id='input_62_1' type='email' value='' class='large'    aria-required=\"true\" aria-invalid=\"false\" aria-describedby=\"gfield_description_62_1\" \/>\n                        <\/div><\/div><fieldset id=\"field_62_3\" class=\"gfield gfield--type-consent gfield--type-choice gfield--width-full exclude gfield_contains_required field_sublabel_above gfield--no-description field_description_above field_validation_above gfield_visibility_visible gfield--choice-align-vertical\" data-group-id=\"73cde11a\" data-field-span=\"12\"><legend id='gfield_label_62_3' class='gfield_label gform-field-label gfield_label_before_complex' ><span class='gform-field-label__text'>Consent<\/span><span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/legend><div class='ginput_container ginput_container_consent'><input name='input_3.1' id='input_62_3_1' type='checkbox' value='1'   aria-labelledby=\"input_62_3_1_label gfield_label_62_3\" aria-required=\"true\" aria-invalid=\"false\"   \/> <label id='input_62_3_1_label' class=\"gform-field-label gform-field-label--type-inline gfield_consent_label\" for='input_62_3_1' ><span class='gform-field-label__text'>I have read the <a href=\"https:\/\/www.iubenda.com\/privacy-policy\/26599214\" target=\"_blank\" rel=\"noopener\">privacy notice (in Italian)<\/a> and ask to receive the report at the address given.<\/span><\/label><input type='hidden' name='input_3.2' value='I have read the &lt;a href=&quot;https:\/\/www.iubenda.com\/privacy-policy\/26599214&quot; target=&quot;_blank&quot; rel=&quot;noopener&quot;&gt;privacy notice (in Italian)&lt;\/a&gt; and ask to receive the report at the address given.' class='gform_hidden' \/><input type='hidden' name='input_3.3' value='59' class='gform_hidden' \/><\/div><\/fieldset><fieldset id=\"field_62_22\" class=\"gfield gfield--type-checkbox gfield--type-choice gfield--width-full exclude bng-iper-nl field_sublabel_above gfield--no-description field_description_above field_validation_above gfield_visibility_visible gfield--choice-align-vertical\" data-group-id=\"ac716b1e\" data-field-span=\"12\"><legend id='gfield_label_62_22' class='gfield_label gform-field-label gfield_label_before_complex' ><span class='gform-field-label__text'>Newsletter (optional)<\/span><\/legend><div class='ginput_container ginput_container_checkbox'><div class='gfield_checkbox ' id='input_62_22'><div class='gchoice gchoice_62_22_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_22.1' type='checkbox'  value='newsletter'  id='choice_62_22_1'    aria-labelledby=\"label_62_22_1 gfield_label_62_22\"\/>\n\t\t\t\t\t\t\t\t<label for='choice_62_22_1' id='label_62_22_1' class='gform-field-label gform-field-label--type-inline'>I would like to receive the firm\u2019s newsletter with regulatory and tax updates. 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else {            triggerPostRender();        }    } );} );\n<\/script>\n<\/div>\n<section class=\"bng-rating-testo\" aria-labelledby=\"brt-t\">\n<h2 id=\"brt-t\">What a bank looks at before granting you credit<\/h2>\n<p>Before asking for a credit line or a loan it is worth reading your accounts the way the decision-maker will. The tool takes the figures from your latest accounts and compares them with two sets of ratios: the early-warning ratios of the Italian National Council of Accountants, with different thresholds for each of ten sectors, and the bank-reading ratios that accountants report as practice. It also reads your relationship with banks: credit line usage, overdrafts and the Credit Register.<\/p>\n<h3>The sector early-warning ratios<\/h3>\n<p>There are five: financial charges to revenue, net equity to total debts, current assets to current liabilities, cash flow to total assets, and social security and tax debts to total assets. The Italian Insolvency Code (Legislative Decree 14\/2019) refers to these ratios to assess the sustainability of debt: if all five are beyond the sector threshold, the business is in a situation that needs attention. Here you use them one by one, to see where you are outside the range.<\/p>\n<h3>The ratios banks read<\/h3>\n<p>Debt service cover (DSCR) measures how many times operating cash flow, net of tax, covers the year\u2019s principal repayments and financial charges. Net financial debt to EBITDA shows how many years of margin it would take to repay the debt. A sharp fall in revenue and a marked reduction in net equity also matter. These thresholds are practice, not law: each bank has its own.<\/p>\n<h3>The relationship with banks<\/h3>\n<p>There is no legal threshold for credit line usage, but banks read it together with the trend of the accounts. A continuous overdraft beyond 60 days, for at least 5% of the credit lines, is instead one of the signals considered by the Insolvency Code. The Bank of Italy Credit Register collects banks\u2019 reports: a bad-debt or unlikely-to-pay position weighs more than any ratio.<\/p>\n<h3>It is not a rating<\/h3>\n<p>The result is not a score and does not simulate any bank\u2019s rating. Each institution uses its own models, which also weigh guarantees, sector and behaviour over time. The tool shows where you are solid and where it is worth acting, or preparing an explanation, before you meet the bank.<\/p>\n<h3>Where the data comes from<\/h3>\n<p>The sector thresholds are those of the Italian National Council of Accountants (document \u201cCrisi d\u2019impresa. Gli indici dell\u2019allerta\u201d). The banking-practice thresholds come from the document on SME bankability by the National Accountants Foundation and the Council. The legal thresholds for the account trend are in Legislative Decree 14\/2019. Everything is in the firm\u2019s data archive, with source and verification date.<\/p>\n<h3>Frequently asked questions<\/h3>\n<h4>Does this tool give me my bank rating?<\/h4>\n<p>No. It compares your data with public and practice thresholds, but banks\u2019 models are confidential and use other information.<\/p>\n<h4>What happens if a ratio is outside its threshold?<\/h4>\n<p>It does not mean credit will be refused: the bank will ask for an explanation. Preparing it in advance, with figures and a plan, is what changes the most.<\/p>\n<h4>What is the Credit Register?<\/h4>\n<p>It is the Bank of Italy database of exposures to the banking system and anomaly reports. You can request your own position directly from the Bank of Italy.<\/p>\n<h4>Do I need every figure?<\/h4>\n<p>No. The sector and the main figures from the accounts are enough: each extra figure completes the picture, and ratios you cannot calculate are shown as missing.<\/p>\n<\/section>\n<section class=\"bng-avviso\">\n<h2>Notice and sources<\/h2>\n<p>The tool gives an indicative estimate based on the data you enter. It is not advice and does not replace a review of your specific case with a professional. Rules and parameters are checked on 07\/11\/2026; sources are listed in the section \u00abWhere the data comes from\u00bb.<\/p>\n<\/section>\n<style>.bng-more{max-width:1290px;margin:0 auto;padding:40px 20px;box-sizing:border-box}.bng-more h2{font-size:clamp(22px,3vw,30px);margin:0 0 22px}.bng-more div{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:14px}.bng-more a{display:block;padding:16px 18px;border:1px solid rgba(128,128,128,.28);border-radius:12px;text-decoration:none;color:inherit;transition:transform .2s,border-color .2s}.bng-more a:hover,.bng-more a:focus-visible{transform:translateY(-3px);border-color:#173c63;outline:none}.bng-more b{display:block;color:#173c63;font-size:17px}.bng-eyebrow{margin:0 0 14px;opacity:.85}@media(prefers-reduced-motion:reduce){.bng-more a{transition:none}}<\/style>\n<section class=\"bng-more\">\n<h2>Further reading<\/h2>\n<div><a href=\"https:\/\/beneggiassociati.com\/en\/business-valuation-calculator\/\"><b>Business valuation<\/b><\/a><a href=\"https:\/\/beneggiassociati.com\/en\/stock-analysis-calculator\/\"><b>Stock analysis<\/b><\/a><a href=\"https:\/\/beneggiassociati.com\/en\/ecommerce-tax-regime-vat-calculator\/\"><b>E-commerce<\/b><\/a><a href=\"https:\/\/beneggiassociati.com\/en\/foreign-income-returning-workers-calculator\/\"><b>Foreign income<\/b><\/a><a href=\"https:\/\/beneggiassociati.com\/en\/services\/tax-and-accounting\/\"><b>Tax and accounting<\/b><\/a><a href=\"https:\/\/beneggiassociati.com\/en\/services\/business-consulting\/\"><b>Business consulting<\/b><\/a><a href=\"https:\/\/beneggiassociati.com\/en\/solutions\/innovation-management\/\"><b>Innovation management<\/b><\/a><a href=\"https:\/\/beneggiassociati.com\/en\/resources\/\"><b>Resources<\/b><\/a><a href=\"https:\/\/beneggiassociati.com\/en\/investment-appraisal-calculator\/\"><b>Investment appraisal<\/b><\/a><a href=\"https:\/\/beneggiassociati.com\/en\/partnership-or-limited-company-calculator-2026\/\"><b>Partnership or limited company<\/b><\/a><a href=\"https:\/\/beneggiassociati.com\/en\/flat-rate-or-ordinary-regime-calculator-2026\/\"><b>Flat-rate or ordinary regime<\/b><\/a><\/div>\n<\/section>\n<h2>Contact the firm<\/h2>\n<p>Write to us: we will review your situation together.<\/p>\n<h3>Contact us<\/h3>\n<p>\n                <div class='gf_browser_gecko gform_wrapper gravity-theme gform-theme--no-framework' data-form-theme='gravity-theme' data-form-index='0' id='gform_wrapper_18' ><div id='gf_18' class='gform_anchor' tabindex='-1'><\/div><form method='post' enctype='multipart\/form-data' target='gform_ajax_frame_18' id='gform_18'  action='\/en\/wp-json\/wp\/v2\/pages\/34191#gf_18' data-formid='18' novalidate>\n                        <div class='gform-body gform_body'><div id='gform_fields_18' class='gform_fields top_label form_sublabel_below description_below validation_below' data-column-layout='fixed'><div id=\"field_18_11\" class=\"gfield gfield--type-honeypot gform_validation_container 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The tool takes the figures from your latest accounts and compares them with two sets of ratios: [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":409,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_yoast_wpseo_focuskw":"bank rating check","_yoast_wpseo_title":"Bank rating check 2026: early-warning ratios and credit","_yoast_wpseo_metadesc":"Compare your accounts with the early-warning ratios of Italian accountants and with the ratios banks read. Full report by email. Data checked on 07\/11\/2026.","_yoast_wpseo_opengraph-title":"Bank rating check 2026: early-warning ratios and credit","_yoast_wpseo_opengraph-description":"Compare your accounts with the early-warning ratios of Italian accountants and with the ratios banks read. Full report by email. Data checked on 07\/11\/2026.","_yoast_wpseo_twitter-title":"Bank rating check 2026: early-warning ratios and credit","_yoast_wpseo_twitter-description":"Compare your accounts with the early-warning ratios of Italian accountants and with the ratios banks read. Full report by email. Data checked on 07\/11\/2026.","content-type":"","wpai_generated_summary":"","footnotes":""},"tipo_pagina":[],"class_list":["post-34191","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bank rating check 2026: early-warning ratios and credit<\/title>\n<meta name=\"description\" content=\"Compare your accounts with the early-warning ratios of Italian accountants and with the ratios banks read. Full report by email. 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