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FINOYO - Financial statement analysis software

The lean software tool for risk assessment and liquidity preview.


Analyse financial statements in the blink of an eye

Customer financial statement analysis is a proven technique that helps assess the creditworthiness of companies. When correctly interpreted, financial ratios provide important information about the financial situation.

With FINOYO, the balance sheet analysis tool from SCHUMANN, you can accurately and automatically assess the financial stability of your business partners. The automated financial analysis in FINOYO is standardised and audit-proof.

Benefits of automated financial statement analysis

With automated financial statement analysis, manual processes are replaced by digital processes. This allows you to analyse the balance sheet data of customers and suppliers in no time and obtain an automatically calculated balance sheet rating.

Clear balance sheet reports are available per push of a button and provide you with information about the financial situation of the analysed company. In addition, you can easily meet the regulatory requirements and governance rules of your company by means of technological support.

For whom is automated balance sheet analysis of interest?

Very simple: for every B2B business. For every company, every bank, every financial service provider and every insurance company, the analysis of supplier and customer balance sheets provides valuable information when estimating the economic stability and the creditworthiness of your business partners.

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

Financial analysis software with liquidity preview

FINOYO can help you to get through these difficult times with as little damage as possible! 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? Simulate the effects in almost no time!

Advantages of FINOYO, our tool for financial statement analysis

  • Manual or automated data import
  • Fast and reliable compilation service
  • Standardized or individual accounting standards
  • Unified and secure validation & aggregation of the data
  • Standardized or individual calculation of a rating
  • Immediate and clear creation of reports
  • Fast and flexible liquidity preview

FINOYO: Flexibly adaptable software solution

If you are missing your industry-specific or company-individual key figure, we will be pleased to extend our key figure catalogue for you, so that you are able to perform the best possible analysis.

Our experienced team of analysts, consultants and software developers can also customize the compilation scheme in FINOYO for you in a short time.

Product information

FINOYO Financial Statement Analysis Software

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


150 € monthly
12 months minimum runtime
max. 4 users
max. 50 files
max. 0 individual account systems
  • Interface Federal Gazette
  • XBRL import for balance sheets according to HGB
  • Reporting
  • File management
Optional: module 'peergroups': 250 € monthly
FINOYO Business
400 € monthly
12 months minimum runtime
max. 12 users
max. 1.000 files
max. 1 individual account systems
  • Interface Federal Gazette
  • XBRL import for balance sheets according to HGB
  • Reporting
  • File management
Optional: module 'peergroups': 250 € monthly
FINOYO Enterprise
900 € monthly
12 months minimum runtime
max. 25 users
max. 10.000 files
max. 5 individual account systems
  • Interface Federal Gazette
  • XBRL import for balance sheets according to HGB
  • Reporting
  • File management
Optional: module 'peergroups': 250 € monthly

You are not yet carrying out financial statement analysis?

The analysis of annual financial reports is indispensable for creditworthiness assessment across all industries. But what can balance sheet data tell us and were are its limits? How are balance sheets prepared for analysis? And what must be considered when selecting and evaluating key figures?

Download our free white paper and find out the answers to the most important questions regarding balance sheet analysis as an instrument for risk assessment.

White paper

Whitepaper: An introduction to financial statement analysis

Financial analysis made easy – you have the choice!

Record balance sheet data yourself

Compile balance sheet 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 or ORBIS from Bureau van Dijk.

Outsource balance sheet compilation

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

CAM Credit & Surety

Try FINOYO now!

The lean software solution for credit assessment and liquidity preview.

These customers rely on automated financial statement analysis with FINOYO

Tokio Marine HCC
DMG MORI finance
Town Country Haus
Business 4 Life
Bundesanzeiger Verlag
Arvato financial solutions
Beauty alliance
Hagebau IT
Hannover re
Kf W IPEX Bank
Munich RE
Swiss Re
Transnet BW
VHV Versicherungen