Covenant tracking
Automatic monthly calculation of Net Debt/EBITDA, coverage ratio and other banking covenants, with alert before breach.
Solution · Ratios
Ratios that explain financial health
Liquidity, profitability, leverage, solvency and efficiency. With standard or custom definitions, targets and alerts.
🔒app.quickbidata.com / ejecutivo
2026Real vs BudgetTodas las sociedadesTodos los CECO
Buscar
Ingresos
7,21 M€
+12,4%
EBITDA
1,84 M€
+18,1%
Margen %
25,5%
+1,8 pp
DSO
47 d
−6 d
Ingresos Real vs Budget (k€)
YTD · mensualP&L por línea
jun 2026| Concepto | Real | Bud | Δ |
|---|---|---|---|
| Ventas | 1.450 | 1.300 | +11,5% |
| COGS | −812 | −760 | −6,8% |
| Margen bruto | 638 | 540 | +18,1% |
| OPEX | −295 | −280 | −5,4% |
| EBITDA | 343 | 260 | +31,9% |
What it covers
Ratios that tell a story, not just a number
Liquidity, profitability, leverage, solvency and efficiency. Quickbidata computes standard financial ratios and any custom ones you define with your own formulas, with a single definition across the whole organisation.
Each ratio comes with its target, green-amber-red traffic lights and automatic alerts when it enters risk territory. Useful for internal reporting and for tracking banking covenants, because every figure is navigable down to the numerator and denominator that build it.
The essentials
- Catalogue
- Standard + custom ratios
- Targets
- Traffic lights and alerts
- Covenants
- Ready for bank reporting
The problem
Ratios without context are noise
Calculating a ratio is trivial. Keeping it up to date, comparable, with a target and traceable to source — that's the hard part.
Manual monthly calculations
Different definitions depending on who asks
No targets or traffic lights
No traceability to the entry
Features
What you can do
Liquidity ratios
Current, quick, defensive and extended quick ratio.
Profitability ratios
ROE, ROA, ROCE, gross margin, EBITDA, EBIT and net margin.
Leverage and solvency
Gearing, equity ratio, interest coverage and debt/EBITDA.
Targets and traffic lights
Set green, amber and red thresholds per ratio and per entity.
Automatic alerts
Notifications when a ratio enters the risk zone.
Drill-through to the numerator
From each ratio to the figures that build it, and from there to the journal entry.
Video
See Ratios in action
A short walkthrough of the solution, with real data and traceability down to the entry.
Product demo
Solution walkthrough
Benefits
What changes with Quickbidata
Catalogue of standard ratios plus your own.
Single definitions across the organisation.
Historical, sectoral and vs budget comparison.
Targets and traffic lights per ratio and entity.
Early alerts before a ratio deteriorates.
Traceability to the journal entry of numerator and denominator.
Practical example
Interest coverage under control
A family group monitors Debt/EBITDA, Interest Coverage and ROCE against bank-agreed targets with monthly alerts.
24
Active ratios
3
Target levels
Monthly
Refresh
Banks
Reporting-ready
In depth
Context and approach
Financial ratios are the common language to compare companies, sectors and moments. But their usefulness depends on being properly defined, calculated with the same formula over time and available when needed, not three weeks after close.
Quickbidata calculates the standard liquidity, profitability, leverage and efficiency ratios, and lets you define custom ratios with personalised formulas. Each ratio comes with its target, its green-amber-red traffic light and automatic alerts when it enters the risk zone.
It is especially useful for companies with banking covenants: monthly ratio tracking is automated, breaches are detected before the reporting date and calculation documentation stays available for the lender.
Use cases
Real situations we cover
Sector benchmark
Comparison against sector standards to detect improvement areas and positioning.
Management committee
Dashboard with the 10 key business ratios, their evolution and distance from the target.
Due diligence
Standardised ratio pack generated in hours for sale, raise or financing processes.
Glossary
Key terms in this solution
- Liquidity ratio
- Current assets divided by current liabilities. Measures ability to pay short-term debts.
- Net Debt/EBITDA
- Net financial debt divided by EBITDA. Indicates the years needed to repay debt with operating result.
- ROE
- Return on Equity: profitability earned on the company's equity.
- ROA
- Return on Assets: profitability earned on total assets.
- Covenant
- Financial commitment with a bank or investor whose breach can trigger penalties.
FAQ