Financial Analysis

This guide walks you through building a full financial analysis for a company by combining accounting, banking, and tax data.

Goal

Evaluate a company’s financial health by collecting:

• Published balance sheets and income statements
• Detailed tax bundles
• Banking data (accounts, transactions, cashflow)
• VAT and corporate tax filings

Data collected

Data type	Description	Provider	Endpoint
Financial Statement	Published financial statements	company_legal_fr	/users/{userId}/financial-statements
Tax Return	Complete tax bundles	company_legal_fr, impots_gouv	/users/{userId}/tax-returns
Tax Return Analysis	Computed ratios and indicators	company_legal_fr	/users/{userId}/tax-return-analysis
Sector Analysis	Industry comparisons	company_legal_fr	/users/{userId}/sector-analysis
Bank Account	Bank accounts	budget_insight, gocardless	/users/{userId}/bank-accounts
Bank Transaction	Transaction history	budget_insight, gocardless	/users/{userId}/bank-transactions
Bank Cashflow	Cashflow analysis	budget_insight, gocardless	/users/{userId}/bank-cashflow
VAT Declaration	VAT filings	impots_gouv	/users/{userId}/vat-declarations

Provider architecture

Financial Data Stack

Blend legal, tax, and banking feeds to build a full financial cockpit.

Legal data

Automatic

• Provider: `company_legal_fr`
• Data: Financial Statements, Tax Return (INPI), Tax Return Analysis, Sector Analysis

Tax data

OAuth redirect

• Provider: `impots_gouv`
• Data: Tax Return, VAT Declaration, Corporate Tax, Tax Account

Banking data

OAuth redirect

• Providers: `budget_insight`, `gocardless`
• Data: Bank Account, Bank Transaction, Bank Cashflow, Credit Insights

Implementation steps

Step 1: Enable the providers

Provider Company Legal FR (public data)

PUT /api/v6/providers/company_legal_fr

{
  "enable": true
}

PUT /api/v6/providers/company_legal_fr/settings

{
  "auto_connect": true
}

Provider Impots Gouv (tax data - OAuth required)

PUT /api/v6/providers/impots_gouv

{
  "enable": true
}

Provider Budget Insight (bank data - OAuth required)

PUT /api/v6/providers/budget_insight

{
  "enable": true
}

Step 2: Create the user

POST /api/v6/users/legal

{
  "name": "Company to analyze SAS",
  "siren": "123456789",
  "group": "analyse-financiere"
}

Step 3: Create the data connections

3.1 Legal data (automatic)

POST /api/v6/users/{userId}/data-connections

{
  "requested_data_types": [
    "FINANCIAL_STATEMENT",
    "TAX_RETURN",
    "TAX_RETURN_ANALYSIS",
    "SECTOR_ANALYSIS"
  ],
  "provider_name": "company_legal_fr"
}

3.2 Tax data (OAuth redirect required)

POST /api/v6/users/{userId}/data-connections

{
  "requested_data_types": [
    "TAX_RETURN",
    "VAT_DECLARATION",
    "CORPORATE_TAX",
    "TAX_ACCOUNT"
  ],
  "provider_name": "impots_gouv"
}

User authorization required

For impots_gouv and banking providers, users must complete an OAuth authorization flow. Redirect them to the redirect_url returned when the user is created.

3.3 Banking data (OAuth redirect required)

POST /api/v6/users/{userId}/data-connections

{
  "requested_data_types": [
    "BANK_ACCOUNT",
    "BANK_TRANSACTION",
    "BANK_CASHFLOW",
    "BANK_CREDIT_INSIGHTS"
  ],
  "provider_name": "budget_insight"
}

Step 4: Launch the synchronization

POST /api/v6/users/{userId}/sync

{
  "data_types": [
    "FINANCIAL_STATEMENT",
    "TAX_RETURN",
    "TAX_RETURN_ANALYSIS",
    "SECTOR_ANALYSIS",
    "VAT_DECLARATION",
    "BANK_ACCOUNT",
    "BANK_TRANSACTION",
    "BANK_CASHFLOW"
  ]
}

Step 5: Analyze financial data

5.1 Published financial statements

GET/api/v6/users/{userId}/financial-statements

Key metrics to extract:

• Revenue and its evolution
• Net income
• Equity
• Debt level

5.2 Detailed tax bundles

GET/api/v6/users/{userId}/tax-returns

Response structure:

[
  {
    "id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
    "type": "C",
    "closing_year": 2023,
    "closing_date": "2023-12-31",
    "duration": 12,
    "revenue": 1500000,
    "net_profit": 150000,
    "tax_return_values": [
      { "code": "FL", "values": [1500000, 0, 0, 0] },
      { "code": "HN", "values": [150000, 0, 0, 0] }
    ],
    "warnings": []
  }
]

Bundle types

Code	Type
C	Full (standard regime)
S	Simplified (simplified regime)
K	Consolidated

5.3 Automated tax bundle analysis

GET/api/v6/users/{userId}/tax-return-analysis

The API calculates financial ratios automatically:

• Profitability (ROE, ROA)
• Solvency
• Liquidity
• Capital structure

5.4 Sector comparison

GET/api/v6/users/{userId}/sector-analysis

Compare the company's performance against the industry median (APE code).

5.5 Banking data

GET/api/v6/users/{userId}/bank-accounts

GET/api/v6/users/{userId}/bank-cashflow

Cashflow analysis:

[
  {
      "month": "2021-08",
      "balance": {
        "value": 0,
        "currency": "string"
      },
      "inbound": {
        "value": 0,
        "currency": "string"
      },
      "outbound": {
        "value": 0,
        "currency": "string"
      }
  }
]

Example financial scoring

function calculateFinancialScore(data) {
  const { taxReturns, bankCashflow, sectorAnalysis } = data;

  // Latest tax bundle
  const lastTaxReturn = taxReturns[0];

  // Ratio calculations
  const profitMargin = lastTaxReturn.net_profit / lastTaxReturn.revenue;
  const revenueGrowth = calculateGrowth(taxReturns);

  // Cashflow score (based on the last 6 months)
  const cashflowScore = bankCashflow
    .slice(0, 6)
    .reduce((acc, month) => acc + (month.balance > 0 ? 1 : 0), 0) / 6;

  // Sector benchmark
  const sectorPerformance = sectorAnalysis.percentile || 50;

  // Final score (0-100)
  return {
    score: Math.round(
      profitMargin * 30 +
      revenueGrowth * 20 +
      cashflowScore * 30 +
      (sectorPerformance / 100) * 20
    ),
    details: {
      profitMargin,
      revenueGrowth,
      cashflowScore,
      sectorPerformance
    }
  };
}

Data quality checks

Tax bundles include warnings that highlight completeness or consistency issues:

Code	Message
01	Missing balance sheet - assets - 2050-SD
02	Missing balance sheet - liabilities - 2051-SD
26	Control: assets = liabilities - 2050-SD
41	Control: profit or loss - 2053-SD

danger

If warnings are present, the data might be incomplete or inconsistent. Double-check manually before making a decision.

Recommended webhooks

PUT /api/v6/webhooks/DATA_SYNC_SUCCESS

{
  "url": "https://mon-app.com/webhooks/financial-data-ready"
}

See also

• Tax bundles - Detailed guide on tax bundles
• Tax Return - Tax bundle data format
• Bank Cashflow - Cashflow data format
• Impots Gouv - Tax provider configuration