Credit Decisioning

Financial spreading

Extract financial statements into reviewed financials and credit-adjusted metrics

Make the numbers work for you

Less preparation
More perspective

Move from financial statements to credit analysis faster with automated extraction that keeps your analysts in control

See how it works
From source to credit-adjusted metrics
Illustrative views · Not actual screenshot · Fictional data
01

Less manual work

Start with extracted figures instead of rebuilding the numbers by hand

02

Confidence in the detail

Keep your analysis connected to the statements it comes from

03

A consistent credit view

Bring reviewed financials and credit-adjusted metrics into the rest of your decision process

From statement to understanding

Get to the credit picture
with the detail still in view

Your analysts stay in control

Turn financial statements into a structured spread so your team can get straight to the analysis

From source to spreadIllustrative product view
Northstar Manufacturing
Annual report 2024
Consolidated income statement · EUR million
Revenue63.7
Cost of sales(38.4)
EBITDA12.4
24

Structured financials

FY 2024 · EUR million
Revenue63.7
Cost of sales(38.4)
EBITDA12.4
Ready for review
Extracted figures remain connected to the source

Illustrative views · Not actual screenshot · Fictional data

Part of the bigger decision

Reviewed once
Ready for what’s next

Carry reviewed financials and credit-adjusted metrics into Analytics and Memo so your credit scores and recommendations build on the same underlying numbers

Financial spreading

Reviewed financials and credit-adjusted metrics

Analytics

Transparent credit scores

Memo

Decision-ready credit memos
Connected modules on one governed foundation

Interested?

See how DecAltra can turn your financial statements into analysis your team can use

Contact us

Request a demo

See how DecAltra could work for your team

Share a few details and we'll tailor the conversation around your workflows, governance needs, and where you want to improve speed or quality first.

A focused conversation tailored to your institution
Clear next steps based on your current decision workflow
No spam and no generic product tour

Best results

Use your work email and the one priority you care about most right now. That gives us enough context to make the demo relevant from the start.

We'll use this information only to prepare a relevant conversation. You're not signing up to a mailing list.

Share feedback

Tell us what feels strong, unclear, or missing

We welcome feedback of any kind. If something works well, feels unclear, or seems to be missing, we would genuinely like to hear it.

Share what we do right
Point out what feels weak, unclear, or missing
Tell us what you were hoping to find and we will try to build it next
We read feedback carefully and use it to improve. Thank you for taking the time to share it.

Write to us

Send us a message

Your message reaches both founders directly. We answer every enquiry ourselves.

Questions about the platform and the decision modules
Partnerships, data providers and integrations
Anything else you would rather put in writing first

Request a call

Speak with the DecAltra team

If you want to learn more, ask a question, or reach out as an existing client, this is the easiest way to request a call with the DecAltra team.

Suitable for questions, introductions, and client follow-up
Short and low-pressure - no demo commitment required
We will make sure it reaches the right person
Phone number (optional)
We'll use this only to arrange the right follow-up. No mailing list, no pressure.