Annual report in.
A spread that ties, out.
Upload a borrower's annual report. Every caption is broken down to the components printed in its own notes, checked against the arithmetic the company published, and written to Excel. If it does not tie, you do not get a spread.
Checking a report is free. Nothing is read, and nothing is spent, until you have seen what the check found and pressed Start.
The part that is usually left to trust
Spreading a set of accounts by hand takes hours, and the mistakes it produces are quiet ones: a figure keyed from the wrong column, a subtotal that was copied rather than added, a note whose components no longer add up to the caption above them. Nothing announces them. They are found later, by somebody re-deriving the same numbers.
So the arithmetic is the product here. Every subtotal, every cross-total and every note breakdown is recomputed from the figures as keyed, and a spread that fails is not issued.
How a run works
The free check
The report's own text is read here, with no model call and nothing charged: how much of it can be read at all, where the statements are on the basis you chose, and whether you have sent this file before.
The read
Only the pages that matter are sent: the two statements first, then the notes those statements cite. Each caption is broken down to the components its note prints.
The proof
Every relationship is recomputed. What fails goes back for one repair round. What still fails ends the run — and no workbook is written.
What a finished spread looks like
Eleven tabs: both statements as printed, every caption exploded into its note components, the mapping to the bank's account structure, the credit metrics, and the checks themselves. Every keyed figure carries the page it came from.
| Caption | Note | Source | FY2025-26 | Check |
|---|---|---|---|---|
| Cash and cash equivalents | 12 | p.97 | 6,776.30 | |
| Bank balances other than above | 13 | p.97 | 527.23 | |
| Trade receivables, net | 10 | p.96 | 12,406.18 | |
| Total current assets | derived | 48,739.81 | ties to the printed total |
Then put it in your own chart of accounts
A finished spread can be normalized onto your Universal Chart of Accounts on demand: every line and note component mapped to your own account codes, with the reasoning and the page reference kept beside each one. A free preview runs first and tells you what the AI step would cost before anything is spent, and each class has to tie to the subtotal the report printed. What the matching is unsure about is handed to a person rather than guessed.
What this is, honestly
- A concept study, not a shipped product. It exists to show what the workflow could be.
- Ind AS (Schedule III) and IFRS annual reports. A scanned report with no text, or a bank or insurer's accounts, is refused rather than guessed at.
- A small monthly allowance per account, because each run costs real money to produce.
- Uploads and finished workbooks are deleted after seven days, and can disappear sooner when the server restarts.