Question 1

What is a financial statement analyser?

Accepted Answer

A financial statement analyser reads a company's P&L, balance sheet and cash flow statement and calculates key financial ratios such as liquidity, profitability, leverage and efficiency metrics. Financial Insight AI does this automatically using AI and returns results in under 30 seconds.

Question 2

What is the Altman Z-Score?

Accepted Answer

The Altman Z-Score is a formula that predicts the likelihood of a company going bankrupt within two years. A score above 2.9 is in the safe zone, 1.23 to 2.9 is the grey zone, and below 1.23 indicates distress. Financial Insight AI calculates this automatically from uploaded accounts.

Question 3

What is the Beneish M-Score?

Accepted Answer

The Beneish M-Score is an 8-variable statistical model that detects whether a company may be manipulating its earnings. A score above -1.78 suggests likely manipulation. Financial Insight AI computes this automatically when prior-year figures are available.

Question 4

Can I analyse UK company accounts for free?

Accepted Answer

Yes. Financial Insight AI offers a free tier with 3 analyses per month. You can upload a PDF, Excel or CSV file, or use the UK Company Lookup to pull accounts directly from Companies House — no credit card required.

Question 5

What financial ratios does Financial Insight AI calculate?

Accepted Answer

Financial Insight AI calculates 19 ratios: current ratio, quick ratio, cash ratio, gross margin, EBITDA margin, net profit margin, return on assets, return on equity, debt-to-equity, debt-to-assets, interest coverage, net debt, days sales outstanding, days payable outstanding, inventory days, cash conversion cycle, cash flow quality, Altman Z-Score, and Beneish M-Score.

Question 6

What KYC and due diligence data does Financial Insight AI provide?

Accepted Answer

Financial Insight AI's Company KYC feature uses public UK data to provide: directors and Persons with Significant Control from Companies House, registered charges (secured debt), filing compliance score, OFSI UK sanctions screening, and — on paid plans — live Gazette insolvency notices, disqualified director cross-checks, HMRC VAT validation, and ONS industry benchmark ratios.

Question 7

Can I check if a director is disqualified in the UK?

Accepted Answer

Yes. Financial Insight AI's paid plans include a disqualified director cross-check that searches the Companies House disqualified officers register for all active directors of the company. Any potential matches are flagged for manual verification.