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Now available · Credit Decisioning
Portfolio overview
Your credit workflow, in one view
Companies24Across your portfolio
In progress9From source to decision
Ready for review4Your team takes the lead
Company activityLatest assessments
| Company | Financials | Analytics | Memo |
|---|---|---|---|
| Northstar ManufacturingIndustrials · Annual review | Reviewed | Reviewed | In review |
| Harbour LogisticsTransport · New assessment | Reviewed | In review | Not started |
Action centre4
Northstar memo ready
Annual review · Assigned to you
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Insights assistantAI
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4 assessments await review. Northstar’s memo is ready.
DecAltraCredit Decisioning / Financial spreading
Northstar ManufacturingConsolidated financials · EUR million
Reviewed FinancialsRatiosAdjustments
| Income statement | FY 2022 | FY 2023 | FY 2024 |
|---|---|---|---|
| Revenue | 52.4 | 58.1 | 63.7 |
| Cost of sales | (31.6) | (35.2) | (38.4) |
| Gross profit | 20.8 | 22.9 | 25.3 |
| EBITDA | 9.8 | 10.6 | 12.4 |
| EBITDA margin | 18.7% | 18.2% | 19.5% |
| Net debt | 30.8 | 32.7 | 34.0 |
Source linked · Analyst reviewed
· Credit adjusted
DecAltraCredit Decisioning / Analytics
Northstar ManufacturingCorporate credit model · v2.1
Ready for review Score overviewInputsRationale
Strongest financial factorProfitability
Key considerationCustomer concentration
Inputs, model logic and rationale in one
view
DecAltraCredit Decisioning / Memo
Credit memoDraft · v1.2
Northstar Manufacturing
Senior secured facility€25m
Internal model resultBBB−
01 Executive summaryAI-assisted draft
Northstar combines improving earnings with moderate leverage 1 while customer concentration remains a key consideration for the credit view 2
Revenue · FY 2024€63.7m
Credit-adjusted EBITDA€13.6m
Net debt / EBITDA2.50×
Source-linked analysis1 / 8
Prepared from your analysisAwaiting analyst review
Portfolio overviewYour credit workflow, connected
Illustrative views · Not actual screenshot · Fictional data