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We took the standard R-Keeper report package and they tailored it to us on top of that. It all just works.
Solutions
Business analytics for leasing and finance companies
In leasing, profit depends not on how many new contracts you write but on the quality of the book. These reports put arrears, margin and residual value risk in one place.
Accounting vs analytics
Accounting
In leasing, portfolio growth without quality measures is half the picture. New contracts look good on day one; what they really cost becomes clear six to twelve months later, when some of them start falling behind.
ContractsPayment arrearsCost of riskResidual values = a single number?
Business analytics
Power BI analytics joins the contract system, the accounts and the credit scoring, so portfolio quality, margin after cost of risk, and residual value risk are read alongside growth.
Rivilė / FinvaldaLeasing contract system
Joined up overnight Portfolio quality read alongside growth The figures worth watching
Portfolio size and movement
Balances by product, asset type and customer segment. Growth without quality measures alongside is only half the picture.
Arrears by ageing bucket
Up to 30, 31–60, 61–90 and over 90 days. What matters is not the amount but how contracts move between buckets month by month.
Portfolio quality
The non-performing share and which way it is heading, by segment. A rising share in one segment usually points to underwriting that was too loose six months earlier.
Contract margin
Interest income less funding costs and cost of risk. Some products stop earning anything once the cost of risk is taken off.
Residual value risk
The residual value written into contracts against what the asset is really worth. The difference lands in the result at end of term.
New business flow
By channel, salesperson and asset type — alongside how those contracts later perform. A channel that brings in plenty of business and plenty of arrears is an expensive one.
How it looks in the report
How to read the report
01
Portfolio and quality
Portfolio size is shown by asset type, with the non-performing share by segment beside it, against six months earlier. A segment where NPLs have doubled nearly always means underwriting that was too loose before.
02
Arrears migration
Arrears are given by ageing bucket with the movement since last month. What matters is not the amount but the migration: contracts travelling from 31–60 days into 61–90 show that the earlier stage of collection is not working.
03
Margin and channels
Contract margin is shown with interest and cost of risk separated — some products barely earn anything once risk is taken off. New business by channel is presented alongside how those contracts perform six months on, so an expensive channel shows up in the numbers.
Where the data comes from
- the leasing accounting and contract system
- the accounting system
- credit scoring data
- asset valuation and market price sources
Read access The connection is read-only — the reports read your data, change nothing, and never write back to your systems.
What people usually notice first
- 1 The usual finding is a channel or salesperson whose business looks strong on volume but produces a disproportionate share of arrears six to twelve months later. Without the two joined up, it is noticed too late.
- 2 The second is products whose margin after the cost of risk is close to zero, even though they look profitable in the portfolio as a whole.
Analitika360 client stories
Data that helps you decide
See how companies like yours put Analitika360 reports to work in Power BI.
Where to start
Most people start with a ready-built report set, which connects to your accounting system within a few days, and add the industry-specific reports as a second stage. Describe your situation and we will tell you what would work best in your case.