Prepare your company and get ready for the future. Take part in the SCHUMANN Conference - the online live event for decision-makers in credit risk management, compliance and digitalisation projects.

Logo Created with Sketch. SCHUMANN - EN

FINOYO - Software for Financial Analysis

The lean financial analysis software for credit worthiness evaluation and liquidity forecasting.

Leading Companies Rely on FINOYO Financial Analysis Software


Analyse Financial Statements in the Blink of an Eye

FINOYO is the cloud-based financial analysis software from SCHUMANN with which you can accurately evaluate the financial stability of your business partners. The balance sheet and P&L analysis is standardized and audit-secure.

With FINOYO you can import financial information automatically (e.g. from the German Federal Gazette) or compile it manually. You obtain an automatically calculated balance sheet rating including a comprehensive key-figure catalogue and an automatically generated cash flow statement.

With our financial analysis software you profit from fully automatic analyses and reports that show you all the data at a glance.

Benefits of Automated Financial Statement Analysis

  • Replacing manual processes with digital workflows
  • Fast results, secure basis for decision-making
  • Automatically calculated balance sheet scoring
  • Easy-to-read reports at your fingertips
  • Easy compliance with regulatory requirements

For Whom is Automated Financial Statement Analysis of Interest?

For every company, every bank, every financial service provider and every insurance company, the analysis of supplier and customer financial statements provides valuable information when estimating the economic stability and the creditworthiness of your business partners.

Associations and franchise providers also use the financial analysis tool to evaluate their members. The software helps investors and creditors to assess the future profitability and liquidity of companies.

Financial Analysis Software Solution: This Is What FINOYO Offers

  • Manual or automated data import
  • Standardised or customised data input schemes
  • Uniform and secure validation & aggregation of data
  • Standardised or customised scoring methodology
  • Immediate generation of well-structured reports
  • Fast and flexible liquidity forecast
  • Individual key figures and accounting frameworks
  • Analysis of financial statements during the year (quarterly financial statements, BWA)
  • In addition to BWA analysis, calculation of balance sheet ratios can also be performed quickly and easily with the help of sum and balance lists
  • Individual customer support
Product Information

FINOYO Financial Analysis Software

We appreciate your interest. To download the desired file, please fill out the following form.

* required

Price Information FINOYO

from 1.000 € per month

12 months minimum term
Optional: Module Benchmarks & Peergroups: 400 € per month
If you have any questions or suggestions, please feel free to contact us for a custom quote.
Your contact person
Lukas Martin

During his studies, Lukas Martin started as an IT consultant in the business unit Credit & Surety. Today, he works as a Sales Manager, supporting and advising companies on the digitalisation and automation of their business processes relating to financial statement analysis.

He studied business administration at the Georg August University in Göttingen and supports companies with the implementation of the financial statement analysis software FINOYO at SCHUMANN.

Sales Manager, SCHUMANN

Lukas Martin

Financial Analysis Tool with Liquidity Preview

The liquidity preview functions make it possible to extrapolate information from past balance sheets and to simulate various scenarios for the future economic development of your business partners.

How do reductions in turnover, short-time working or difficulties in procurement affect the liquidity of your customers and suppliers?

How Companies Benefit from FINOYO

The possible applications of our financial statement analysis software are as diverse as our client portfolio. A large number of clients already use it to manage their risk efficiently and digitally.

Success Story

Success Stories: This Is What Our Customers Say

We appreciate your interest. To download the desired file, please fill out the following form.

* required

Financial Analysis Made Easy – You Have the Choice!

Record Balance Sheet Data Yourself

Compile financial statement data in clear and intuitively usable compilation schemes easily yourself. Up to three reporting periods can be compiled in parallel, efficiently and according to diverse accounting standards – including plausibility checks!

Import Balance Sheets

Import structured balance sheet data in XBRL format or via our interface to the German Federal Gazette.

Outsource Balance Sheet Compilation

By outsourcing the balance sheet compilation to our experienced analysts you can gain valuable time for other tasks.

Balance sheet compilation service

Product Information

Calculation of debt servicing capability

We appreciate your interest. To download the desired file, please fill out the following form.

* required

Automated Calculation of Debt Servicing Capability

FINOYO incorporates a comprehensive evaluation of debt servicing capability. Our tool assesses the available free cashflow for debt repayment and conducts automated scenario analyses, resulting in an efficient DSC analysis that is both accurate and optimized. By aligning with regulatory requirements, our financial analysis software offers unparalleled precision to ensure effective management of your debts.

CAM Credit & Surety


The lean software solution for credit risk assessment and liquidity forecast.

Financial Statement Analysis as a Risk Assessment Tool

Download our white paper and get the answers to the most important questions about financial statement analysis as a risk assessment tool:

  • What can balance sheet data tell us and were are its limits?
  • How are financial statements prepared for analysis?
  • And what must be considered when selecting and evaluating key figures?
Content of white paper
White Paper

Whitepaper: An Introduction to Financial Statement Analysis

We appreciate your interest. To download the desired file, please fill out the following form.

* required