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Annual reports, business plans and collateral documents. AI agents extract the key figures, analyse the development and draft the credit memo, so analysts spend their time on the credit decision.
Trusted by leading enterprises
Trusted by leading enterprises





The challenge
Annual reports and business plans are typed into spreadsheets, then into the memo and the committee slides. The analysis gets the time that is left.
Financial development
EBITDA by year (€m)
Actual Plan
Debt 2.6× EBITDA
covenant headroom??
Comments
JHJ. HahnMon
Figures typed from the annual report, please double-check.
CcCredit committeeTue
Why did fuel costs rise that much?
The solution
Key figures, development and risks. Your analysts decide.
Credit memo · Kraft Logistik GmbHData fromAnnual reportBusiness planCredit bureauCore bankingCollateral DB
ExportEBITDA, 2025
€4.75m −1 % vs 2024 €4.80m
Drivers
Open points
Net debt/EBITDA+0.2×
Fleet financing in Q3
Q3 figures unauditedCollateral−5 %
Fleet valued in 2023
Valuation outdatedThe solution
Key figures, development and risks. Your analysts decide.
Credit memo · Kraft Logistik GmbHData fromAnnual reportBusiness planCredit bureauCore bankingCollateral DB
ExportEBITDA, 2025
€4.75m −1 % vs 2024 €4.80m
Drivers
Open points
Net debt/EBITDA+0.2×
Fleet financing in Q3
Q3 figures unauditedCollateral−5 %
Fleet valued in 2023
Valuation outdatedImpact
Measured with you, in your process.
Without Operaide
With Operaide
Why Operaide
Why Operaide
Operaide runs it in your company, under your control.
On your own infrastructure, with the AI models you approve.
Each decision is logged with its inputs. IT and audit see the full trace.
Live in days. From one automation to a complete application, on one platform.
FAQ
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