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about trial balances, indicators and how a company looks from the bank

We write about the things the report computes, but explained at length: what each indicator means, where it comes from, when it lies and what you do with it. Nothing that cannot be checked on your own trial balance.

5 August 2026 · 8 min

The Altman Z-score: what it says about insolvency risk, and what it does not

The formula is over fifty years old and it works surprisingly well. How it is computed from the trial balance, which thresholds are used, and why it must not be read as a verdict.

Altman Z insolvency risk indicators

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You upload the PDF of the SAGA trial balance and receive, within a few minutes, all the indicators above calculated and interpreted, plus the bank scoring and an action plan. The preview is free and does not even ask for your email address.

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