Company Analysis

The finoOS API's Company Analysis evaluates a company's financial situation based on account and transaction data. It covers different domains, each focused on a specific aspect of company finances.

All company analysis endpoints follow the same access pattern: results are computed asynchronously after the Companies Financial Data has been pushed. See Analysis Lifecycle. Each endpoint requires the corresponding scope to be enabled for your client.

Cash Transactions & Liquidity

Track money movement at the company level and monitor account balances over time.

• Cash Transactions — Separates cash deposits from cash withdrawals. Returns totals and a monthly breakdown. Required scope: company-cash.

• Liquidity — Tracks income and expenses per account with monthly balance snapshots (end-of-month, minimum, maximum). Required scope: company-liquidity.

• Foreign Payments — Identifies international transactions and groups them by the counterparty's country. Required scope: company-foreign-payment · Endpoint: GET /foreign-payments

For detailed information, see Cash Flow & Liquidity.

Risk

Identifies risk indicators based on problematic transaction patterns per account.

• Risk — Returns monthly counts of returned direct debits, garnishments, and overdraft days, broken down per account. Required scope: company-risk

For detailed information, see Risk.

Category Breakdowns

Analyses recurring financial obligations detected from transactions and contracts. All four domains share the same response structure: a current monthly amount, median, average, and a monthly history distinguishing recurring from non-recurring amounts.

• Credits, Loans & Leasing — Loan instalments, credit lines, and leasing agreements. Required scope: company-credit

• Insurances — Insurance premium payments. Required scope: company-insurance

• Investments — Savings plans, securities, and investment contributions. Required scope: company-investment

• Internal Bookings — Detects transfers between accounts that belong to the same company. Required scope: company-internal-booking

For detailed information, see Category Breakdowns.

Business Insights

Deeper operational and structural analysis of the company's business activity.

• Staff — Estimates personnel costs and employee headcount from salary-related transactions and contracts. Required scope: company-staff

• Customers & Suppliers — Ranks the company's top payment partners as customers (incomings) and suppliers (outgoings). Required scope: company-customer-supplier

• Top Categories — Shows the most relevant spending categories with daily and monthly breakdowns. Required scope: company-top-category

For detailed information, see Business Insights.

Common Response Fields

Every company analysis response includes an observedTimespan object describing the date range of the underlying transaction data:

Field	Description
observedTimespan.from	Earliest transaction date considered
observedTimespan.to	Latest transaction date considered (analysis timestamp)

Monetary values across all endpoints use two decimal places.