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QUICK TOOLS

Understand your numbers.
Prepare your next move.

Indicative business value, local-currency loan repayments and a financial-strength review. Start with a tool; open the detail only when you need it.

BUSINESS VALUE

Explore an indicative range.

Use your adjusted EBITDA and chosen multiples. See enterprise value, equity value and a sensitivity comparison.

Open valuation tool
LOAN REPAYMENTS

Calculate EMI by country.

Select a currency, review a dated lender reference and model repayments, a rate reset and interest costs.

Open EMI calculator
FINANCIAL STRENGTH

Review loan readiness.

Enter one to three annual periods. Assess debt, profitability, cash coverage, growth and optional AI commentary.

Open financial analysis
Indicative business valuation & sensitivity

A transparent EBITDA-multiple illustration, not a formal valuation or a sold-company comparison. The tool has no proprietary transaction database. Use your own researched multiples or ask Omnixis to assess suitable comparables.

Use a normalised annual figure. This model is unsuitable for non-positive EBITDA.
3× and 5× are illustrative editable assumptions, not sector or country benchmarks.
Include only cash treated as surplus for the transaction.
Valuation method and practical limits

Enterprise value = adjusted EBITDA × selected multiple. Illustrative equity value = enterprise value − debt/debt-like items + surplus cash. Working-capital, control, liquidity, tax, transaction structure and other adjustments require a separate review. A negative equity calculation indicates a funding gap under these assumptions, not a negative market sale price. Sensitivity is a mathematical scenario, not a forecast.

Country & currency EMI calculator

Reducing-balance, monthly, fully amortising repayments. Country changes the currency and the reference shown; it does not convert an amount or guarantee local loan eligibility. Fees, taxes, insurance and lender-specific day-count rules are excluded.

Do not enter a flat rate or an APR that includes charges.
Business financial analysis & initial loan readiness

Enter consecutive, completed 12-month periods in one currency and full units. This is a business planning screen for an amortising term loan, not a bank decision, audited opinion or consumer credit score. Working-capital lines and bullet loans require a different repayment model.

Period 1 is the oldest, and the last visible column is the latest. CFADS means operating cash available after cash taxes, maintenance capex and working-capital needs, before principal and interest payments. It is not automatically equal to EBITDA.

Annual figures / closing balancesPeriod 1Period 2Period 3 — latest
Revenue
Adjusted EBITDA
EBIT / operating profit
Profit after tax
Total assets
Total liabilities
Current assets
Current liabilities
Interest-bearing debt
Annual interest expense
Cash available for debt service (CFADS)
Annual principal + interest paid

Proposed loan & next 12 months

Use a lender quote or an explicit planning assumption. Mortgage references are not copied into this field.
Exclude the proposed new loan. Do not substitute the outstanding loan balance.
Illustrative screening assumptions — editable

These are planning assumptions, not bank eligibility rules. Lenders set their own criteria and review credit history, security, sector, conduct and documentation.

Ratio definitions and interpretation
  • Debt / EBITDA = closing interest-bearing debt ÷ annual adjusted EBITDA; not meaningful when EBITDA is non-positive.
  • Book net worth = total assets − total liabilities. Debt / equity uses that book net worth, not a market valuation.
  • Current ratio = current assets ÷ current liabilities.
  • ROCE = EBIT ÷ average opening and closing capital employed. Capital employed = total assets − current liabilities. The first period uses closing capital employed as a disclosed proxy because its opening balance is unavailable.
  • Interest coverage = EBIT ÷ annual interest expense. Historical DSCR = CFADS ÷ annual principal and interest paid.
  • Projected DSCR = projected next-12-month CFADS ÷ (existing next-12-month debt service + the new loan’s first 12 months of modelled repayments).
  • Revenue / profit / EBITDA CAGR = (latest ÷ earliest)^(1 / annual intervals) − 1. Requires at least two periods and positive endpoints. CAGR can hide intervening losses and volatility.
  • Net-profit margin and EBITDA margin use annual revenue; margin change is shown in percentage points.

Zero denominators, non-positive EBITDA/equity/capital employed and non-positive CAGR endpoints are identified as unavailable or not meaningful rather than forced into misleading ratios.

Simple project ROI

For a defined project, separate from company ROCE. Enter net benefit after relevant operating costs for the period you choose. For a whole-project calculation, net gain means proceeds minus all costs, including the initial investment. This simple measure ignores timing, discounting, financing and residual value; it is not IRR or NPV.

PROFESSIONAL REVIEW

Move from a quick screen to a stronger case.

Omnixis can review normalised earnings, valuation methods, repayment capacity, forecast assumptions and lender documentation. A professional assessment is scoped separately and does not guarantee a loan, valuation or transaction outcome.

Request an advisory discussionFollow & request a reviewed brief

Raw figures are held in this page’s memory only; refreshing or clearing removes them. They are not added to analytics events or sent with an enquiry automatically. Optional AI sends only the ratios and flags specified above. Do not enter account numbers, passwords or personal identifiers.