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contabilitat/reports/balance-sheet-report-2025-12-27.txt
Roger Oriol a45cdbd013 27 desembre
2025-12-27 19:34:58 +01:00

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Balance Sheet (date=2025-12-27)
──────────────────────────────
Assets
Comptes bancaris
----------------- ------------
Corrent 14273.57 EUR
Estalvi 0 EUR
Compte d'inversió 0 EUR
Total 14273.57 EUR
----------------- ------------
Inversions
---------------- -------------
Fons d'inversió 70711.07 EUR
ETFs 40197.06 EUR
Accions 0 EUR
Renta fixa 23790.40 EUR
Total inversions 134698.52 EUR
---------------- -------------
--------------------- ------------
Inversions pignorades 41932.56 EUR
--------------------- ------------
Propietat personal
---------------------------- -----------
Vivenda principal 0 EUR
Cotxes 8174.00 EUR
Joies, Art, Col·leccionables 350.00 EUR
Metalls preciosos 0 EUR
Altres propietats 0 EUR
Total propietats 8524.00 EUR
---------------------------- -----------
Deutes
----------------- -----
Deutes per cobrar
Total deutes 0 EUR
----------------- -----
Beneficis laborals
----------------------------- -----------
Tickets Restaurant 45.92 EUR
Targeta Transport 37.95 EUR
Pla Pensions Empleados Zurich 4122.54 EUR
Total beneficis 4206.41 EUR
----------------------------- -----------
------------ -------------
Total Assets 161702.50 EUR
------------ -------------
──────────────────────────────
Liabilites
-------------------------------- ------------
Hipoteques en vivenda principal
Hipoteques en vivenda d'inversió 0 EUR
Targetes de crèdit 445.91 EUR
Línies de crèdit per inversió 18771.26 EUR
Factures impagades
Préstecs personals 0 EUR
Impostos no pagats
Altres passius 0 EUR
-------------------------------- ------------
------------- -------------
Total passius -19217.17 EUR
------------- -------------
──────────────────────────────
Net Worth 142485.33 EUR
──────────────────────────────
Financial Ratios
------------------------------------ -------- -------
Debt-to-Assets Ratio 11.88 % 50 %
Emergency Fund 5.02 mth 3-6 mth
Investment Assets to Net Worth Ratio 94.54 % 50 %
Liquid Assets to Net Worth Ratio 75.12 % 15 %
Savings Ratio 39.47 % 20 %
Debt-Service Ratio 0.96 % 35 %
Non-Mortgage Debt-Service Ratio 0.00 % 15 %
Interest Coverage Ratio 33.90 1.5
------------------------------------ -------- -------