Every tool a CA needs for MSME advisory
From automated scoring to AI-generated advisory, Vertibis brings together all the data and analysis your practice needs — in one platform.
Health Scoring Engine
0–100 Composite Health Score
A single, easy-to-interpret score that summarises a business's overall financial and operational health. Built from 40+ underlying parameters across four key dimensions.
Financial Health Sub-score
Analyses revenue trends, gross margin, EBITDA, working capital cycle, liquidity ratios, and debt-to-equity. Benchmarked against industry peers in the same MSME category.
Compliance Score
Tracks GST filing consistency, return accuracy, ITR submission history, TDS compliance, and MCA annual filing status. Flags late filings and defaulted months.
Growth Index
Measures turnover trajectory over 12–36 months, customer concentration risk, geographic expansion signals, and sector-specific growth benchmarks.
Credit Worthiness Score
Assesses repayment history, existing credit obligations, leverage ratios, collateral coverage, and overall credit risk profile relevant for lenders.
AI Advisory Engine
Personalised Recommendations
Each report includes 5–10 AI-generated, actionable recommendations specific to the business — not generic advice. Covers working capital, compliance, growth, and credit readiness.
Risk Flag Alerts
Proactively flags deteriorating metrics before they become critical — such as a declining compliance pattern, thinning margins, or a rising debt burden.
Opportunity Identification
Identifies growth opportunities like government MSME schemes the business may qualify for, optimal credit products, or sectors showing correlated growth.
Data Integrations
GSTN Integration
Directly pull GST filing history, turnover declarations, and compliance records from the GST Network. No manual document collection needed.
Income Tax Portal
Access ITR filing history, declared income, TDS data, and income source breakdown from the IT portal with client consent.
MCA Integration
Fetch company registration details, director information, annual filings, and charge data from the Ministry of Corporate Affairs.
API Access (Enterprise)
Connect Vertibis to your existing practice management software, accounting tools, or custom applications via our REST API with webhook support.
Reports & Analytics
One-Click PDF Reports
Generate professional, print-ready PDF health reports in seconds. Includes score breakdown, trend charts, AI advisory, and next-step recommendations.
Historical Trend Analysis
Track health score evolution over months and years. Identify when a business started recovering or deteriorating and correlate with external events.
Portfolio Dashboard
See all your MSME clients at a glance — sorted by health score, flagged for risk, or filtered by industry. Identify your most and least healthy clients instantly.
Industry Benchmarking
Compare any business against anonymised aggregate data from similar MSMEs in the same industry and revenue range to provide context to your clients.
Vertibis vs. Manual Assessment
| Capability | Manual | Vertibis |
|---|---|---|
| Time per MSME assessment | 6–8 hours | < 3 minutes |
| Data collection | Manual document chase | Automated GSTN/IT pull |
| Scoring consistency | Varies by analyst | Standardised algorithm |
| AI advisory | Not available | Included |
| Historical trends | Spreadsheet work | Auto-tracked |
| PDF reports | Manual preparation | One click |
| Compliance monitoring | Periodic check | Real-time alerts |
| Industry benchmarks | No access | Built-in |
Ready to transform your practice?
Join 500+ CAs who use Vertibis to deliver faster, smarter advisory to their MSME clients. Start free — no credit card required.
50 free reports/year · No credit card · Cancel anytime