Are my uploaded statements stored?

Caveat does not store them on its servers; they are discarded after the request is processed. Some content is sent to an AI service (Google Gemini) to extract figures and write the explanations.

Is the result a definitive judgment?

No. It is reference material built from standard financial ratios and statistical screening signals, and does not replace credit, investment or tax decisions.

Which files can I upload?

PDF, Excel and PNG, JPG or WebP images. Standard financial statement forms are read by form code first; other documents are read by AI.

Caveat — cash, profitability and distress-risk diagnostics from one financial statement

Upload a balance sheet and income statement and Caveat calculates the cash conversion cycle, earnings quality and distress-risk signals with standard financial-analysis formulas, then explains the result in a readable report together with the figures behind it. Korean standard financial statement forms under the Corporate Tax Act and Income Tax Act are supported.

Reports

Cash diagnostic — Cash tied up in receivables, inventory and payables, the cash conversion cycle and liquidity.
Profitability diagnostic — Whether profit comes from operations or from leverage, using a DuPont breakdown.
Distress-risk diagnostic — Statistical screening signals such as the Altman Z′-Score.
Earnings-trust diagnostic — Signals of possible earnings manipulation such as the Dechow F-Score.
Financial-health diagnostic — A financial strength check such as the Piotroski F-Score.

Guides

How it works

Choose a report.
Upload your financial statements (PDF, Excel or image).
Review the extracted figures and get the diagnosis.

FAQ

Are my uploaded statements stored?: Caveat does not store them on its servers; they are discarded after the request is processed. Some content is sent to an AI service (Google Gemini) to extract figures and write the explanations.
Is the result a definitive judgment?: No. It is reference material built from standard financial ratios and statistical screening signals, and does not replace credit, investment or tax decisions.
Which files can I upload?: PDF, Excel and PNG, JPG or WebP images. Standard financial statement forms are read by form code first; other documents are read by AI.