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Company overview
Registry & firmographics
COOLEST AI SRL
Legal form SR - Limited liability company
ATECO classification 62.01 - Computer programming and AI solutions development
Company status A - Active
Branches 1
Employees 2
Founded 2021
Website www.coolest-ai.it
Last filing 02/07/2025
Negative events NO
PSCORE
Cash flow score
Loading chart...
93
Confidence Levels
0-15% Very Low
15-30% Low
30-45% Below Average
45-60% Average
60-75% Good
75-90% High
90-100% Excellent
Monthly Threshold
Available cash flow for new funding
€ 1,296
EBITDA (ABS. / %)
Financial Performance
€ 26,240 / 61 %
Risk
Risk assessment
Scores
Regularity
Payment consistency
Low
Breach
Limit violations
Low
Adversity
Adverse indicators
Low
Business Flags
1 / 9 detectedUnmatched Internal Transfer Clear
KYC/AML Trans Clear
Cash Balance Clear
Contract High Risk Clear
Anomaly Detection Detected
Cash Deterioration Clear
Hardcore Overdraft Clear
PA Trans Clear
Cash Transactions Clear
Affordability Analysis
Loan affordability analysis
Financial Overview
Key indicators
Max Loan Amount
€14,896.62
at 0.00% interest
DSCR Ratio
2.45x
Excess Cash Flow
€15,550.00
After debt service
Loan Period
12 months
1.0 years
KPIs
Financial metrics
Cashflow Trend Positive
Anti-fraud Check Low Risk
Seasonality High
Visibility Poor
pMark
Performance Benchmark
| KPI | VALUE | MEDIAN / PERCENTILE |
|---|---|---|
| 92 | 48 100%
|
| Revenues | € 98.8K | € 121K 39%
|
| EBITDA | € 26.2K | € 7.7K 76%
|
| EBITDA % | 61% | 8% 96%
|
| DSCR | 2.45x | 0.66x 75%
|
| Salaries outflow | € -19.7K | € -25.2K 63%
|
| Financial contracts | 1 | 1 39%
|
| Top 3 inflow | 0% | 3.4% 0%
|
| Top 3 outflow | 11.73% | 21.55% 18%
|
Accounts Overview
Account metrics
Scores
Coverage
Recency
Summary
Accounts 1
Coverage 14 month(s)
Period 2024-10-01 - 2025-11-25
Latest Overdraft € -320.00
Severe Overdraft € 0.00
Average Balance
The average balance of the full historical balances
€ 4,714.49
Balance Evolution Historical balance progression
9 months ago Recent
9 Months
€ 5,546.05
Baseline
+62%
6 Months
€ 8,955.64
Mid-term
+54%
3 Months
€ 13,706.04
Recent
Accounts
1 Accounts Account
Source
Bank
Time Coverage
Total Inflow
Total Outflow
Net Flow
Overdraft Limit
IT60X0542811101000000123456
CORE
N/A
Oct 2024 - Nov 2025
€ 102,360.00
€ 95,430.00
€ 6,930.00
—
Financial Statements
Annual accounts & draft periods
Line item FY2023 FY2024 YoY
Revenue
Net revenue €32.4k €37.7k +16.4%
Cost structure
Cost of services -€4.1k -€4.7k
Gross profit €28.3k 87.3% €33.0k 87.5% +16.6%
Operating expenses
Salaries & personnel -€14.8k -€16.5k
General & admin -€7.6k -€8.5k
Rent & premises -€4.4k -€4.6k
EBITDA €1.5k 4.6% €3.4k 9.0% +126.7%
Below EBITDA
Depreciation & amort. -€800 -€900
Interest expense -€2.1k -€1.8k
Income tax -€100 -€250
Net income -€1.5k -4.6% €450 1.2% +130.0%
Current ratio 2.13x Healthy (>1.5x)
Debt / Equity 1.67x Elevated leverage
Interest coverage 1.89x Below 3x — monitor
Net debt / EBITDA 0.29x Net debt €1.0k
Accounts vs. transactions reconciliation
Declared financial statements vs. transaction-derived metrics — FY2024
Metric Declared Accounts (FY2024) Observed Transaction analysis Delta Signal
Revenue €37.7k €42.8k (customer collections) +€5.1k (+13.5%) Review
EBITDA €3.4k (9.0%) €26.2k (operating cash flow) +€22.8k (+671%) Flag
Cash & equivalents €8.2k (balance sheet) €4.7k avg balance -€3.5k (-43%) Flag
Interest paid €1.8k (P&L) €2.0k (financing flow) +€0.2k (+11%) OK
OK Delta <15% — consistent Review 15–30% — explain Flag >30% or directional mismatch — investigate
Cashflow Analysis
Yearly cashflow statement
| INFLOWS | INFLOWPERCENTAGE | OUTFLOWS | OUTFLOWPERCENTAGE | |
|---|---|---|---|---|
| book | € 42,760 | 43 % | € -3,600 | 4 % |
| book netting | ||||
| GROSS MARGIN | € 39,160 | |||
| taxes | ||||
| general expenses | € -11,140 | 13 % | ||
| salaries | € -19,660 | 24 % | ||
| misc rent/lease | € -5,400 | 6 % | ||
| netting | ||||
| misc | € 56,020 | 57 % | € -32,740 | 39 % |
| OPERATING TOTAL | € 26,240 | |||
| investment | ||||
| financing (shareholder) | ||||
| INVESTING TOTAL | ||||
| financing | € -3,840 | 5 % | ||
| financing (amortizing) | ||||
| financing (lease) | ||||
| financing (interest) | € -1,970 | 2 % | ||
| financing (fees) | € -4,880 | 6 % | ||
| FINANCING TOTAL | € -10,690 | |||
| TOTAL CASHFLOW | € 15,550 | |||
| transaction visibility | 51 % |
Cash Counterparties
Counterparty analysis
3 Entities
Entity
Amount
Percentage
UNICREDIT S.P.A.
Destination
-4,480.00 €
5%
GOOGLE
Destination
-4,060.00 €
4%
AMAZON.IT
Destination
-2,650.00 €
3%
Financial Regularity Analysis
Financial contract analysis and regularity
OVERVIEW
Contract Summary
No of contracts 1
With missed payments 0
With late payments 0
Credit Facility
No irregularities or adverse detected
Other Regularity Analysis
Other contract analysis and regularity
OVERVIEW
Contract Summary
No of contracts 4
With late payments 0
With missed payments 0
Salaries
No irregularities or adverse detected
Telecomms
No irregularities or adverse detected
Rent/Lease
No irregularities or adverse detected
Complete Transactions
Transaction analysis
516 Transactions
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