21 desembre 2025

2025-12-21 12:21:08 +01:00
parent b581e7590f
commit c0ebdf099a
4 changed files with 160 additions and 291 deletions
--- a/reports/balance-sheet-report-2025-12-21.txt
+++ b/reports/balance-sheet-report-2025-12-21.txt
@@ -0,0 +1,71 @@
+[1mBalance Sheet (date=2025-12-21)[0m
+──────────────────────────────
+[1mAssets[0m
+	[1mLiquids[0m
+-----------------  ------------
+Corrent            11866.83 EUR
+Estalvi            0 EUR
+Compte d'inversió  0 EUR
+Total líquids      11866.83 EUR
+-----------------  ------------
+	[1mInversions[0m
+----------------  -------------
+Fons d'inversió   70353.30 EUR
+ETFs              39129.40 EUR
+Accions           0 EUR
+Renta fixa        23712.25 EUR
+Total inversions  133194.95 EUR
+----------------  -------------
+	[1mPropietat personal[0m
+----------------------------  -----------
+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
+----------------------------  -----------
+	[1mDeutes[0m
+-----------------  -----
+Deutes per cobrar
+Total deutes       0 EUR
+-----------------  -----
+	[1mBeneficis laborals[0m
+-----------------------------  -----------
+Tickets Restaurant             45.92 EUR
+Targeta Transport              63.65 EUR
+Pla Pensions Empleados Zurich  4048.45 EUR
+Total beneficis                4158.02 EUR
+-----------------------------  -----------
+------------  -------------
+[1mTotal Assets  157443.80 EUR
+------------  -------------
+──────────────────────────────
+[1mLiabilites[0m
+--------------------------------  ------------
+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
+--------------------------------  ------------
+-------------  -------------
+[1mTotal passius[0m  [1m-20417.17 EUR[0m
+-------------  -------------
+──────────────────────────────
+[1mNet Worth	137026.63 EUR[0m
+──────────────────────────────
+[1mFinancial Ratios[0m
+------------------------------------  --------  -------
+Debt-to-Assets Ratio                  [92m12.97 %[0m   50 %
+Emergency Fund                        [93m4.18 mth[0m  3-6 mth
+Investment Assets to Net Worth Ratio  [92m97.20 %[0m   50 %
+Liquid Assets to Net Worth Ratio      [92m105.86 %[0m  15 %
+Savings Ratio                         [92m35.58 %[0m   20 %
+Debt-Service Ratio                    [92m0.96 %[0m    35 %
+Non-Mortgage Debt-Service Ratio       [92m0.00 %[0m    15 %
+Interest Coverage Ratio               [92m33.34[0m     1.5
+------------------------------------  --------  -------