Previsionnel Financier
Generates bank-ready 3-year French financial forecasts in Excel with dynamic formulas and local tax logic.
- Generate French bank-ready 3-year P&L and cash flow statements in Excel.
- Calculate social charges and taxes based on French legal status (SAS/SARL/EI).
- Verify debt-service coverage ratios before submitting loan applications.
$21
· or 105 creditsSecure checkout via Stripe
Included in download
- Generate French bank-ready 3-year P&L and cash flow statements in Excel.
- Calculate social charges and taxes based on French legal status (SAS/SARL/EI).
- terminal, file_read, file_write automation included
- Ready for Claude Cowork
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See it in action
You say
Prépare un prévisionnel pour une SAS de conseil. CA 100k€ an 1, 150k€ an 2. Loyer 1000€/mois. J'ai 10k€ d'apport et je veux emprunter 20k€ pour mon site web et matériel.
Your agent does
J'ai généré votre prévisionnel financier (previsionnel_conseil.xlsx). Le fichier inclut l'onglet Hypothèses, le Compte de Résultat (IS PME), et le Plan de Trésorerie mensuel. Note : Avec 20k€ d'emprunt sur 3 ans, votre capacité de remboursement est de 2.1, ce qui est favorable pour votre banque.
Previsionnel Financier
Generates bank-ready 3-year French financial forecasts in Excel with dynamic formulas and local tax logic.
$21
· or 105 creditsSecure checkout via Stripe
Included in download
- Generate French bank-ready 3-year P&L and cash flow statements in Excel.
- Calculate social charges and taxes based on French legal status (SAS/SARL/EI).
- terminal, file_read, file_write automation included
- Ready for Claude Cowork
- Instant install
Media gallery
See it in action
You say
Prépare un prévisionnel pour une SAS de conseil. CA 100k€ an 1, 150k€ an 2. Loyer 1000€/mois. J'ai 10k€ d'apport et je veux emprunter 20k€ pour mon site web et matériel.
Your agent does
J'ai généré votre prévisionnel financier (previsionnel_conseil.xlsx). Le fichier inclut l'onglet Hypothèses, le Compte de Résultat (IS PME), et le Plan de Trésorerie mensuel. Note : Avec 20k€ d'emprunt sur 3 ans, votre capacité de remboursement est de 2.1, ce qui est favorable pour votre banque.
About This Skill
The problem
French entrepreneurs often struggle with French banking standards for financial forecasting. Manual Excel files frequently contain broken formulas, incorrect VAT calculations, or inconsistent social charge rates for TNS (Travailleurs Non-Salariés).
What it does
- Generates a professional 3-year financial forecast in .xlsx format compatible with French bank loan applications.
- Calculates French-specific social charges, corporate tax (IS), and VAT based on the chosen legal structure (SAS, SARL, EURL, etc.).
- Builds dynamic worksheets including a standardized income statement, financing plan, 12-month cash flow, and break-even analysis.
- Ensures formula-driven transparency, allowing bankers to audit every assumption without hard-coded values.
- Includes automated checks for the debt-service coverage ratio and financing balance.
Frameworks & tools
Python openpyxl, LibreOffice (optional for verification).
Why this beats prompting it yourself
Basic LLM prompts generate static tables with math errors. This skill enforces rigorous French accounting rules, handles complex VAT staggering in cash flow projections, and produces a live Excel file with inter-connected formulas designed to survive a banker's scrutiny.
Benchmarked results
Tested on realistic scenarios (SASU food truck with a bank loan, EURL consulting business with ramp-up, SARL business acquisition with employees): the skill passed 100% of banking-quality criteria vs. 81.5% for unassisted prompting. The main gap: without the skill, 2 out of 3 workbooks came out as static hard-coded values — impossible to adjust and not auditable. With the skill, every file contains 55-66% live formula cells, a balanced financing plan, and zero calculation errors.
Use cases
- Preparing a loan application file for a French bank or BPIfrance.
- Evaluating the feasibility of switching from Micro-entrepreneur to a legal company (SAS/SARL).
- Calculating the exact break-even point for a new physical shop or TPE.
- Simulating "what-if" scenarios by changing a single margin percentage in the master Assumptions tab.
Known limitations
This tool provides a structural foundation and calculation logic; it does not replace the mandated sign-off of a chartered accountant (Expert-comptable) for official filings.
Documentation et livrables en français — conçu pour les créateurs d'entreprise, dossiers de prêt bancaire et ARCE.
Use Cases
- Generate French bank-ready 3-year P&L and cash flow statements in Excel.
- Calculate social charges and taxes based on French legal status (SAS/SARL/EI).
- Verify debt-service coverage ratios before submitting loan applications.
- Automate 12-month VAT-inclusive cash flow projections with seasonality.
Known Limitations
Designed for French accounting and tax rules only — not suitable for other jurisdictions. Covers standard legal structures (SAS/SASU, SARL/EURL, EI); complex cases such as holding structures, groups, agricultural regimes (BA), or associations are out of scope. Social charges use standard approximation rates (TNS ~45% of net, assimilé salarié ~80% of net) suitable for forecasting, not payroll-grade precision. Tax rates are verified online at generation time, but a forecast built today does not auto-update after future fiscal reforms. Monthly cash flow is detailed for year 1 only (years 2-3 are annual). Output quality depends on the assumptions provided by the user — the skill flags fragile defaults but cannot validate your market hypotheses. Does not replace the review and sign-off of a chartered accountant (expert-comptable) for official filings or loan submissions.
How to install
Drop the file into your AI tool. Works with Claude, Cursor, ChatGPT, and 20+ more.
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Security Scanned
Passed automated security review
Permissions
Allowed Hosts
File Scopes
The skill bundle contains only instructions (SKILL.md) and a static reference sheet of French tax/social-charge calculation rules — no executable scripts, no API keys, no external services. Python code is generated at runtime by the agent, in the working directory, solely to build the Excel workbook. Network access is limited to verifying current-year French tax rates on official government sources (impots.gouv.fr, urssaf.fr), so the skill stays accurate across fiscal years without updates. The reference sheet explicitly instructs the agent to confirm rates rather than trust bundled figures. Built and benchmarked by a corporate finance professional (master's degree in corporate finance); outputs are designed to be audited cell-by-cell by bankers and chartered accountants.
Requires an agent environment with code execution and file creation (Claude Code, Claude Cowork, or Claude.ai with code execution enabled). Python with openpyxl is needed to build the .xlsx workbook; LibreOffice headless is optional, used for formula-recalculation checks when available. Web search access is recommended so the skill can verify current-year French tax and social-charge rates instead of relying on bundled defaults. No API keys, no external services, no executable scripts bundled — the skill is instructions plus a reference sheet. Output files open in Excel, LibreOffice Calc, and Google Sheets.
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