{{company_name}}
Company Name
Example: Example: Delta Retail Pvt. Ltd.
Enter the name of the company being assessed.
Ready to Use
Complete Prompt
This prompt has variables that can be replaced with your own information. Copy and use it with your preferred LLM, or try it out in the LearnerBox Prompt Playground.
Act as an experienced financial analyst specializing in liquidity and working-capital analysis.
Evaluate the company’s ability to meet its short-term obligations using the information provided below.
Company:
{{company_name}}
Industry:
{{industry}}
Analysis date or period:
{{analysis_period}}
Balance-sheet information:
{{balance_sheet_data}}
Working-capital details:
{{working_capital_data}}
Cash and short-term funding information:
{{cash_information}}
Known upcoming obligations:
{{upcoming_obligations}}
Analysis requirements:
1. Calculate the following where sufficient data is available:
- working capital;
- current ratio;
- quick ratio;
- cash ratio; and
- operating cash-flow coverage of current liabilities, where operating cash flow is supplied.
2. Show the formula and figures used for each calculation.
3. Explain each result in clear professional language.
4. Evaluate the composition and quality of current assets, including:
- cash and cash equivalents;
- receivables;
- inventory;
- prepayments; and
- other current assets.
5. Evaluate the timing and concentration of current liabilities.
6. Identify possible warning signs, such as:
- declining cash balances;
- overdue receivables;
- slow-moving inventory;
- reliance on short-term borrowing;
- large near-term repayments;
- covenant pressure; or
- negative working capital.
7. Distinguish between a temporary liquidity pressure and a potentially structural liquidity weakness.
8. Identify information that is missing but necessary for a stronger assessment.
9. Do not apply generic ratio thresholds without explaining that appropriate benchmarks vary by industry, business model, seasonality, and jurisdiction.
10. Do not claim that the company is solvent or insolvent solely from the supplied liquidity data.
Present the result as:
{{output_format}}
Include:
- an executive liquidity summary;
- a calculation table;
- current-asset quality observations;
- current-liability observations;
- near-term cash pressure points;
- strengths;
- warning signals;
- information gaps;
- practical actions for management consideration; and
- an overall liquidity assessment.Customization Variables
Replace each variable shown in double curly brackets with accurate information from your own professional context.
{{industry}}
Industry
Example: Example: Grocery retail
Industry context can help interpret inventory and working-capital patterns.
{{analysis_period}}
Analysis Date or Period
Example: Example: As at 31 March 2026
State the date or reporting period to which the liquidity information relates.
{{balance_sheet_data}}
Balance-Sheet Information
Example: Paste current assets, current liabilities, cash, receivables, inventory, and short-term borrowings.
Provide sufficient detail to calculate the requested ratios.
{{working_capital_data}}
Working-Capital Details
Example: Add receivable ageing, inventory days, payable terms, and other working-capital information.
More detailed working-capital information improves the assessment.
{{cash_information}}
Cash and Short-Term Funding Information
Example: Include cash balances, overdraft facilities, unused credit lines, and operating cash flow.
Add both available liquidity and committed short-term funding.
{{upcoming_obligations}}
Known Upcoming Obligations
Example: Example: Tax payment of INR 4 million due next month and loan repayment due in 60 days.
Include significant obligations due in the near term.
{{output_format}}
Output Format
Choose the format appropriate for the intended reader.
Expected Output
A structured liquidity assessment containing transparent ratio calculations, current-asset and current-liability analysis, near-term pressure points, warning signals, information gaps, management actions, and a carefully qualified conclusion.
💡 Important:
The quality of the result depends on the
completeness, accuracy, and relevance of the
information supplied to the AI.
Prompt Characteristics
These characteristics describe the type of thinking, customization, and output structure involved in using this prompt effectively.
Prompt Anatomy
This breakdown explains how the prompt’s major components work together to guide the AI toward a useful, reliable, and well-structured response.
Role
Positions the AI as a financial analyst specializing in liquidity and working capital.
Context
Defines the company, reporting date, balance-sheet data, funding sources, and upcoming obligations.
Task
Requests a short-term liquidity assessment using ratios and qualitative analysis.
Constraints
Prevents unsupported solvency conclusions and uncritical use of generic ratio benchmarks.
Output Structure
Requires calculations, asset and liability analysis, risks, gaps, actions, and conclusion.
Input Variables
Company, industry, analysis period, balance-sheet data, working-capital data, cash information, upcoming obligations, and output format.
Customization Tips
- Include receivable ageing and inventory ageing rather than only total balances.
- Add unused credit facilities and overdraft limits to show available liquidity.
- Mention seasonal peaks or troughs that may distort a single reporting date.
- Provide upcoming debt, tax, payroll, and supplier-payment dates.
- Supply industry benchmarks only when they come from a reliable and comparable source.
Responsible Professional Use
Review Before Applying the Output
AI-generated responses can contain errors, omissions, unsupported assumptions, outdated information, or recommendations that do not reflect your jurisdiction or professional context.
Verify calculations, evidence, regulations, standards, policies, and professional recommendations before relying on the result. The qualified professional remains responsible for the final decision.