Verificador de Cumplimiento de Convenios Financieros

Los convenios financieros son pruebas contractuales incorporadas en contratos de préstamos, líneas de crédito revolving y emisiones de bonos que requieren que los prestatarios mantengan ciertos ratios financieros dentro de umbrales acordados. Los convenios comunes incluyen Deuda Neta/EBITDA (apalancamiento), cobertura de intereses, deuda sobre patrimonio, ratio corriente y ratio de solvencia. La prueba de convenios normalmente ocurre trimestral o anualmente, usando datos financieros de reportes gerenciales o estados financieros auditados.

Basado en ISA

Utilizado por auditores en más de 40 países

Más de 20 herramientas gratuitas

Alineado con el Manual IAASB 2024

ISA 570 · IAS 1.136 · IFRS 7v2026.041 covenant

Test covenants. Find breaches.
Document everything.

Session

0x1B78

Reporting

FY 2026

Currency

€

covenants.conf

financials.conf

README.md

01// engagement— ISA 570.A7

02entity_name=

03reporting_date=

04debt_agreement=

05currency=

06// covenant_definitions— up to 10 covenants

07name=

08type=

09threshold=x

10direction=

11// financial_data— from audited statements

12current_assets=€

13current_liabilities=€

14total_debt=€

15total_equity=€

16ebit=€

17interest_expense=€

18net_debt=€

19ebitda=€

20total_assets=€

21debt_service=€

awaiting input·3 sections · 0/10 fields · 1 covenants·ISA 570 compliant€

01compliance_status

Net Debt / EBITDA—

02headroom

awaiting data—

03stress_tolerance

awaiting data—

04risk_flags

overall_status—

cross_default_risknone

isa_570_warnings0

reclassification—

05break_even

awaiting data—

—methodology

Covenant Compliance

ISA 570 · IAS 1.74 · IFRS 7.B10A

Financial covenants tested against contractual thresholds. Status: PASS (>10% headroom), APPROACHING (within 10%), BREACH (threshold violated). Headroom = distance to threshold as % of threshold.

pass approaching breach

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ADVANCED ANALYSIS

Deeper covenant analysis, styled the same.

01// ebitda_sensitivity— ISA 540.15 range of outcomes

Enter EBITDA and Net Debt/EBITDA or DSCR covenants to run sensitivity.

02// reclassification_impact— IAS 1.74

No breach detected — no reclassification needed.

03// risk_assessment— ISA 570 / ISA 315

Enter inputs to run risk assessment.

04// forward_projection— ISA 570.16

EBITDA/EBIT growth %:

Enter a growth % above to project covenant compliance.

🔒

4 advanced sections · sensitivity · reclassification · risk assessment · projections

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Format

HTML → PDF

Pages

3–6

Price

FREE

or CtrlE

Introduce tus datos

Ingresa las cifras de tus estados financieros o estimaciones de planificación.

Obtén resultados al instante

Cálculos conformes con las NIA/NIIF con metodología documentada.

Exporta a papeles de trabajo

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Verificador de Cumplimiento de Convenios Financieros

Test covenants. Find breaches.Document everything.

Enter your email to unlock the full covenant analysis.

Deeper covenant analysis, styled the same.

Email unlocks the free download.

Calculadoras por sector

Test covenants. Find breaches.
Document everything.