What is UFIN and how does it help with financial analysis?

UFIN (Ukrainian Financial Statement Analysis) is a free, professional-grade online tool for comprehensive financial analysis of Ukrainian businesses. It analyzes balance sheets and income statements to calculate key financial ratios including liquidity (current ratio, quick ratio, cash ratio), solvency (debt-to-equity, coverage ratios), profitability (ROA, ROE, profit margins), and business activity indicators. The tool provides instant results with interactive charts and supports 6 languages.

Is UFIN completely free? Are there any hidden costs?

Yes, UFIN is 100% free with no hidden costs, subscriptions, or premium features. There's no registration required, no credit card needed, and no limitations on usage. It's an open-source project (MIT License) designed to make professional financial analysis accessible to everyone.

What financial ratios and metrics does UFIN calculate?

UFIN calculates over 30 financial indicators including: Liquidity Ratios (Current, Quick, Cash, Working Capital), Solvency Ratios (Debt-to-Equity, Interest Coverage, Financial Leverage), Profitability Metrics (ROA, ROE, Net Profit Margin, Gross Profit Margin), Business Activity Ratios (Asset Turnover, Receivables Turnover, Inventory Turnover, Payables Turnover), Financial Stability Indicators (Autonomy Coefficient, Financial Independence), and Working Capital Analysis.

Can I use UFIN offline without internet connection?

Yes! UFIN is a Progressive Web App (PWA) that works offline after the first visit. Once loaded, you can install it on your device and use it without an internet connection. All calculations are performed locally in your browser, ensuring privacy and enabling offline analysis.

How do I analyze Ukrainian company financials from the USA?

UFIN is accessible worldwide, including from the USA. Simply visit the website, select English language, and input your Ukrainian company's financial data from their balance sheet (Form 1) and income statement (Form 2). The tool automatically calculates all financial ratios and provides comprehensive analysis suitable for international investors and analysts.

Is my financial data safe and private when using UFIN?

Absolutely. UFIN processes all data locally in your browser - no data is sent to any server. Your financial information never leaves your device. You can optionally save data to your browser's local storage for convenience, and export/import data as JSON files. The application is fully client-side with no backend database or data collection.

What languages does UFIN support?

UFIN supports 6 languages: English, Ukrainian (Українська), Russian (Русский), German (Deutsch), Spanish (Español), and French (Français). You can switch languages at any time from the interface, making it accessible to international users and Ukrainian businesses worldwide.

Do I need accounting knowledge to use UFIN?

Basic accounting knowledge is helpful but not required. UFIN provides clear labels and tooltips for all financial inputs. If you have a company's balance sheet and income statement, you can input the data and get instant analysis. The tool is designed for both professional accountants and business owners who want to understand their financial health.

Does UFIN have AI-powered analysis features?

Yes! UFIN includes an AI Financial Assistant powered by Chrome's built-in Gemini Nano. You can ask questions about your financial data in natural language and receive AI-generated insights. The AI runs 100% locally in your browser, ensuring complete privacy - no data is sent to external servers.

Ukrainian Financial Statement Analysis

Free, open-source tool for analysing Ukrainian balance sheets (Form 1) and income statements (Form 2). Calculate liquidity, solvency, profitability and business-activity ratios directly in your browser — no registration, no server round-trips, 100% private. Results in 15 languages. Optional on-device AI assistant (Chrome Gemini Nano).

Liquidity & solvency — current ratio, quick ratio, cash ratio, working capital, debt-to-equity, interest coverage.
Profitability — ROA, ROE, gross and net profit margin, operating-profit margin.
Business activity — asset, receivables, inventory and payables turnover, operating-cycle analysis.
Optional AI assistant — Chrome built-in Gemini Nano. Answers questions about your data offline; nothing leaves the device.

Jump to a specific calculator: Liquidity · Solvency · Business activity · Financial stability — or enter your figures in the form below.

General info

Company name

Base year

Current year

	2019 year	2020 year
Average number of employees, people

	Received fixed assets		Decommissioned fixed assets
	total	Including new	total	including liquidated
2019 year
2020 year

Asset	Line code	At the beginning of the reporting period	At the ending of the reporting period
1	2	3	4
I. Non-current assets
Intangible assets	1000	41659	42696
Original cost	1001
Accumulated depreciation	1002
Unfinished capital investments	1005
Fixed assets	1010	25165443	27055719
Original cost	1011
wear and tear	1012
Investment property	1015
Long-term biological assets	1020
Long-term financial investments	1030
accounted for by the equity method of other companies	1030
Other financial investments	1035
Long-term accounts receivable	1040
Deferred tax assets	1045
Other non-current assets	1090
Overall by section I	1095	30800401	34631296
II. Current assets
Stocks	1100	11041670	5818018
production inventories	1101
unfinished production	1102
finished products	1103
goods	1104
Current biological assets	1110
Bills received	1120
Accounts receivable for products, goods, works, services	1125
Accounts receivable for debts	1130
Against advances issued	1130
with the budget	1135
Including income tax	1136
from accrued income	1140
from internal settlements	1145
Other current accounts receivable	1155
Current financial investments	1160
Money and its equivalents	1165
Future period expenses	1170
Other current assets	1190
Overall by section II	1195	60847225	42967992
III. Non-current assets held for sale and disposal groups	1200
Balance	1300	91647626	77599288

Liabilities	Line code	At the beginning of the reporting period	At the ending of the reporting period
1	2	3	4
I. Equity
Registered (share) capital	1400
Capital in reappraisals	1405
Additional capital	1410
Reserve capital	1415
Undistributed profit (uncovered loss)	1420
Unpaid capital	1425
Withdrawn capital	1430
Overall by section I	1495	30062761	23000920
II. Long-term liabilities and provisions
Deferred tax liabilities	1500
Long-term bank loans	1510
Other long-term liabilities	1515
Long-term provisions	1520
Target funding	1525
Overall by section II	1595	4364028	4194028
III. Current liabilities and provisions
Short-term bank loans	1600
Bills issued	1605
Current accounts payable for	1610
long-term liabilities	1610
Goods, works, services	1615
settlements with the budget	1620
Including income tax	1621
settlements with insurance	1625
settlements for labor	1630
Against advances received	1635
in settlements with participants	1640
from internal settlements	1645
Current provisions	1660
Future period income	1665
Other current liabilities	1690
Overall by section III	1695	57220837	50404340
III. Liabilities related to non-current assets held for sale and disposal groups	1700
Balance	1900	91647626	77599288

Asset	Line code	At the beginning of the reporting period	At the ending of the reporting period
1	2	3	4
I. Non-current assets
Intangible assets	1000	42696	41170
Original cost	1001
Accumulated depreciation	1002
Unfinished capital investments	1005
Fixed assets	1010	27055719	29553445
Original cost	1011
wear and tear	1012
Investment property	1015
Long-term biological assets	1020
Long-term financial investments	1030
accounted for by the equity method of other companies	1030
Other financial investments	1035
Long-term accounts receivable	1040
Deferred tax assets	1045
Other non-current assets	1090
Overall by section I	1095	34631296	33093859
II. Current assets
Stocks	1100	5818018	5107185
production inventories	1101
unfinished production	1102
finished products	1103
goods	1104
Current biological assets	1110
Bills received	1120
Accounts receivable for products, goods, works, services	1125
Accounts receivable for debts	1130
Against advances issued	1130
with the budget	1135
Including income tax	1136
from accrued income	1140
from internal settlements	1145
Other current accounts receivable	1155
Current financial investments	1160
Money and its equivalents	1165
Future period expenses	1170
Other current assets	1190
Overall by section II	1195	42967992	38469091
III. Non-current assets held for sale and disposal groups	1200
Balance	1300	77599288	71562950

Liabilities	Line code	At the beginning of the reporting period	At the ending of the reporting period
1	2	3	4
I. Equity
Registered (share) capital	1400
Capital in reappraisals	1405
Additional capital	1410
Reserve capital	1415
Undistributed profit (uncovered loss)	1420
Unpaid capital	1425
Withdrawn capital	1430
Overall by section I	1495	23000920	23313106
II. Long-term liabilities and provisions
Deferred tax liabilities	1500
Long-term bank loans	1510
Other long-term liabilities	1515
Long-term provisions	1520
Target funding	1525
Overall by section II	1595	4194028	4514610
III. Current liabilities and provisions
Short-term bank loans	1600
Bills issued	1605
Current accounts payable for	1610
long-term liabilities	1610
Goods, works, services	1615
settlements with the budget	1620
Including income tax	1621
settlements with insurance	1625
settlements for labor	1630
Against advances received	1635
in settlements with participants	1640
from internal settlements	1645
Current provisions	1660
Future period income	1665
Other current liabilities	1690
Overall by section III	1695	50404340	43735234
III. Liabilities related to non-current assets held for sale and disposal groups	1700
Balance	1900	77599288	71562950

Article	Line code	For the reporting period	For a similar period of the previous year
1	2	3	4
I. Financial results
Net income from sales of products (goods, works, services)	2000
Cost of goods sold	2050
Gross:	2090	0	7251490
profit	2090	0	7251490
Loss	2095	-6645304	0
Other operating income	2120
Administrative expenses	2130
Selling expenses	2150
Other operating expenses	2180
Financial result from operating activities:	2190	0	4596898
profit	2190	0	4596898
Loss	2195	-6701167	0
Income from participation in capital	2200
Other financial income	2220
Other income	2240
Financial expenses	2250
Loss from participation in capital	2255
Other expenses	2270
Financial result before taxation:	2290	0	4372474
profit	2290	0	4372474
Loss	2295	-6901934	0
Income (loss) from income tax	2300
Profit (loss) from discontinued operations after tax	2305
Net financial result:	2350	0	3570898
profit	2350	0	3570898
Loss	2355	-5670917	0
II. Total income
Revaluation of non-current assets	2400
Revaluation of financial instruments	2405
Accumulated exchange rate differences	2410
Share of other comprehensive income from associates and joint ventures	2415
Other comprehensive income	2445
Other comprehensive income before tax	2450	2752475	258996
Income tax related to other comprehensive income	2455
Other comprehensive income after tax	2460	2179974	279212
Total income	2465	-3490943	3850110
III. Elements of operating expenses
Material costs	2500
Labor costs	2505
Social contributions	2510
Amortization	2515
Other operating expenses	2520
Total	2550	75411058	58821661
ІV. Calculation of stock profitability indicators
Average number of ordinary shares	2600
Adjusted average number of ordinary shares	2605
Net profit (loss) per ordinary share	2610
Adjusted net profit (loss) per ordinary share	2615
Dividends per ordinary share	2650

Article	Line code	For the reporting period	For a similar period of the previous year
1	2	3	4
I. Financial results
Net income from sales of products (goods, works, services)	2000
Cost of goods sold	2050
Gross:	2090	3932561	0
profit	2090	3932561	0
Loss	2095	0	-6645304
Other operating income	2120
Administrative expenses	2130
Selling expenses	2150
Other operating expenses	2180
Financial result from operating activities:	2190	740588	0
profit	2190	740588	0
Loss	2195	0	-6701167
Income from participation in capital	2200
Other financial income	2220
Other income	2240
Financial expenses	2250
Loss from participation in capital	2255
Other expenses	2270
Financial result before taxation:	2290	502491	0
profit	2290	502491	0
Loss	2295	0	-6901934
Income (loss) from income tax	2300
Profit (loss) from discontinued operations after tax	2305
Net financial result:	2350	420854	0
profit	2350	420854	0
Loss	2355	0	-5670917
II. Total income
Revaluation of non-current assets	2400
Revaluation of financial instruments	2405
Accumulated exchange rate differences	2410
Share of other comprehensive income from associates and joint ventures	2415
Other comprehensive income	2445
Other comprehensive income before tax	2450	-127377	2752475
Income tax related to other comprehensive income	2455
Other comprehensive income after tax	2460	-108668	2179974
Total income	2465	312186	-3490943
III. Elements of operating expenses
Material costs	2500
Labor costs	2505
Social contributions	2510
Amortization	2515
Other operating expenses	2520
Total	2550	64099302	75411058
ІV. Calculation of stock profitability indicators
Average number of ordinary shares	2600
Adjusted average number of ordinary shares	2605
Net profit (loss) per ordinary share	2610
Adjusted net profit (loss) per ordinary share	2615
Dividends per ordinary share	2650