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contabilitat/reports/balance-sheet-report-2025-12-21.txt
2025-12-21 12:21:08 +01:00

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Balance Sheet (date=2025-12-21)
──────────────────────────────
Assets
Liquids
----------------- ------------
Corrent 11866.83 EUR
Estalvi 0 EUR
Compte d'inversió 0 EUR
Total líquids 11866.83 EUR
----------------- ------------
Inversions
---------------- -------------
Fons d'inversió 70353.30 EUR
ETFs 39129.40 EUR
Accions 0 EUR
Renta fixa 23712.25 EUR
Total inversions 133194.95 EUR
---------------- -------------
Propietat personal
---------------------------- -----------
Vivenda principal 0 EUR
Cotxes 8174.00 EUR
Joies, Art, Col·leccionables 50.00 EUR
Metalls preciosos 0 EUR
Altres propietats 0 EUR
Total propietats 8224.00 EUR
---------------------------- -----------
Deutes
----------------- -----
Deutes per cobrar
Total deutes 0 EUR
----------------- -----
Beneficis laborals
----------------------------- -----------
Tickets Restaurant 45.92 EUR
Targeta Transport 63.65 EUR
Pla Pensions Empleados Zurich 4048.45 EUR
Total beneficis 4158.02 EUR
----------------------------- -----------
------------ -------------
Total Assets 157443.80 EUR
------------ -------------
──────────────────────────────
Liabilites
-------------------------------- ------------
Hipoteques en vivenda principal
Hipoteques en vivenda d'inversió 0 EUR
Targetes de crèdit 445.91 EUR
Línies de crèdit per inversió 19971.26 EUR
Factures impagades
Préstecs personals 0 EUR
Impostos no pagats
Altres passius 0 EUR
-------------------------------- ------------
------------- -------------
Total passius -20417.17 EUR
------------- -------------
──────────────────────────────
Net Worth 137026.63 EUR
──────────────────────────────
Financial Ratios
------------------------------------ -------- -------
Debt-to-Assets Ratio 12.97 % 50 %
Emergency Fund 4.18 mth 3-6 mth
Investment Assets to Net Worth Ratio 97.20 % 50 %
Liquid Assets to Net Worth Ratio 105.86 % 15 %
Savings Ratio 35.58 % 20 %
Debt-Service Ratio 0.96 % 35 %
Non-Mortgage Debt-Service Ratio 0.00 % 15 %
Interest Coverage Ratio 33.34 1.5
------------------------------------ -------- -------