FIPLAN

ENTRADA DE DATOS
RESULTADOS
PRESUPUESTO DE EXPLOTACIÓN
DATOS HISTÓRICOS PREVISIONAL
TESORE
PREVISIONES VENTAS EXPLO
PREVISIONES CONSUMOS PLAN FINANCIERO:

NECESIDADES
PREVISIONES PLAZOS DECISIONES

COBROS PAGOS FINANCIERAS
OTRAS PREVISIONES
PLAN FINANCIERO:
FINANCIACIÓN DISPONIBLE FINANCIACIÓN
ESCENARIOS
ESCENARIOS
RESULTADOS
TESORERÍA GENERADA POR LA

EXPLOTACIÓN PREVISIONAL
CTA DE PERDIDAS Y
GANANCIAS
BALANCE PREVISIONAL
RATIOS
RENTABILIDAD
SCENARIOS
CORTO PLAZO
SCENARIOS
CORTO PLAZO
NECESIDADES OPERATIVAS DE
FONDOS
PREVISION GASTOS EXPLOTACIÓN
PREVISIÓN CONSUMOS
RESUMEN INGRESOS-GASTOS
MENU
EXPLOTACIÓN
ONSUMOS
ESOS-GASTOS
OTRAS PREVISIONES
PREVISIÓN EXPLOTACIÓN
PREVISION OTROS DATOS
PREVISION INVERSIONES
PREVISION DEVOLUCIÓN
FINANCIACIÓN
MENU
ÓN
A B C D E F G
1
2 MENU ESCENARIO NORMAL
3
4 CONCEPTOS 2,018 ACTIVO 2,018 PASIVO 2,018
5 Importe neto cifra de negocio 10,433 INMOVILIZADO 2,000 FONDOS PROPIOS 2,310
6 Variación de prod. Term o en curso 0 Ajustes por descuadre 0 Capital 2,250
7 Trabajos e. Por la empr para su inmov. 0 Inmovilizado intangible neto 500
8 Aprovisionamientos -9,011 Inmovilizado inmaterial bruto 750 Reservas 0
9 a) Consumo mercaderias -3,191 Amortizaciones -250 Resultados de ejercicios anteriores 50
10 Compra de mercaderías -3,191 Inmovilizado tangible neto 1,200 Pérdidas y ganancias (Beneficio o Pérdida) 10
11 Variación de existencias mercaderías Inmovilizado material bruto 2,546 INGRESOS A DISTRIBUIR EN VARIOS EJER, 0
12 b) Consumos Mat Primas y consumibles -5,820 Amortizaciones -1,346 Subvenciones da capital 0
13 Compra de otros aprovisionamientos -5,820 Inmovilizado financiero 300
14 Variación de existencias Materias Primas 0 Inversiones varias 300 PROVISIONES PARA RIESGOS Y GASTOS 0
15 c) Trabajos realizados por otras empresas 0 Provisiones 0 ACREEDORES A LARGO PLAZO 1,600
16 Otros ingresos de explotación 0 Acciones propias 0 Deudas con entidades de crédito 1,600
17 Otros gastos de explotación -304 Otros acreedores 0
18 a) Servicios exteriores -304 ACTIVO CIRCULANTE 3,850 ACREEDORES A CORTO PLAZO 1,940
19 b) Primas de segurosy Serv. Bancarios Existencias 2,000 Deudas con entidades de crédito 400
20 b) Tributos Existencias mercaderías Préstamos y otras deudas 350
21 c) Otros gastos de gestión corriente Exsitencias materias primas 750 Créditos C/C 50
22 Gastos de personal -614 Exist. Final pr. Terminado 1,075 Efectos descontados pend. Vto 0
23 a) Sueldos y Salarios -614 Provisiones 175 Acreedores Comerciales 1,540
24 b) Cargas Sociales 0 Deudores 1,700 Deudas por compras y prest. Serv. 1,540
25 Variación de incobrables 0 Clientes 1,450 Deudas con empresas del grupo 0
26 Dotaciones para Amort. Inmovil 0 Efectos descontados pend. Vto 0 Otras deudas no comerciales 0
27 Amort. Inmov. Intangible 0 Deudores varios 250 Acreedores por prestación de servicios 0
28 Amorti. Inmov. tangible 0 Administraciones publicas 0 Seguridad social 0
29 Resultado neto explotación 504 Provisiones 0 Hacienda Pública: I. Sociedades 0
30 Ingresos otros valores negociables Inmoviliz. 0 Inv. Financieras temp. 0 Hacienda Pública: Retención 0
31 Otros intereses e ingresos asimilados 0 Tesoreria 150 Administraciones Públicas: IVA 0
32 Gastos Financieros -490 Ajustes por periodificación 0 Remuneraciones pendientes de pago 0
33 Por deudas con terceros -490 TOTAL 5,850 TOTAL 5,850
34 Intereses descuento efectos 0
35 Perdidas por inversiones financieras 0
36 Variación de provisiones financieras 0 Chequeo cuadre de balance O.K
37 Rdos financieros -490 Chequeo cuadre de P y G y Balance O.K
38 Plusvalía/minusvalía inmovil. 0 Chequeo cuadre descuento en el Balance O.K
39 Subvenciones capital transferido 0
40 Ingresos extraordinarios 0
41 Gastos extraordinarios 0
42 Rdos extraordinarios positivas 0
43 Resultado actividad ordinaria 14
44 Impuestos -4
45 Beneficio después de impuestos 10
46 Dividendos 0
47 Reservas 10
A B C D E F
1
2 PREVISIÓN VENTAS
3
4
MENU AÑO 1 CLIENTES 1 CLIENTES 2 CLIENTES 3 CLIENTES 4
5 INGRESO NETO CIFRA DE NEGOCIO 13,289 0 0 0
6 Ventas u. monetarias 13,289 0 0 0
7 Ventas u. físicas
8 Precio venta por u. física
9 IVA 18.0% 18.0% 18.0% 18.0%
10 IVA u. monetarias 2,392 0 0 0
11
12
13 AÑO 2 CLIENTES 1 CLIENTES 2 CLIENTES 3 CLIENTES 4
18 IVA 18.0% 18.0% 18.0% 18.0%
20
21
22 AÑO 3 CLIENTES 1 CLIENTES 2 CLIENTES 3 CLIENTES 4
27 IVA 18.0% 18.0% 18.0% 18.0%
G
1
2
3
4
5 13,289
6
7
8
9
10 2,392
11
12
13
14 19,944
15
16
17
18
19 3,590
20
21
22
23 29,916
24
25
26
27
28 5,385
A B C D
1 PREVISI
2
3 2,019 2,020
4 Variación existencias Prod. Term 2,607 43,152
5 Existencias finales Prod. Term 3,682 46,833
6 Existencias iniciales Prod. Term 1,075 3,682
7
8 Existencias finales Prod. Term en u.m.
9 Stock de Producto terminado en meses 2 2
10 Variación (%) con respecto al anterior
11
12 APROVISIONAMIENTO 22,090 281,000
13 Consumo de mercaderías 0 0
14 Consumo en unidades monetarias
15 Consumo en unidades físicas
16 Coste unidad física
17 Existencias finales Mercaderías 0 0
18 Existencias iniciales Mercaderías 0 0
19 Variación existencias Mercaderías 0 0
20 Compra Mercaderías 0 0
21
22 Existencias finales Mercaderías en u.m.
23 Stock de Mercaderías en meses 0 0
E F G H
1 PREVISIÓN CONSUMOS
2
3 2,021 2,019
4 2,667 Consumo de mat. Primas y consumibles 7,090
5 49,500 Consumo en unidades monetarias 7,090
6 46,833 Consumo en unidades físicas
7 Coste unidad física
8 Existencias finales Mat Primas 591
9 2 Existencias iniciales Mat Primas 750
10 Variación existencias Mat. Prima -159
11 Compra Mat. Prima y consumibles 6,931
12 297,000
13 0 Existencias finales Materia Prima en u.m.
14 Stock de Materia Prima en meses 1
16
17 0 Otros costes variables 1 15,000
18 0
19 0 Otros costes variables 2 15,000
20 0
21
22
23 0
24
I J
1
2
3 2,020 2,021
4 265,000 280,000
5 265,000 280,000
6
7
8 22,083 23,333
9 591 22,083
10 21,493 1,250
11 286,493 281,250
12
13
14 1 1
15
16
17 16,000 17,000
18
19 16,000 17,000
20
21
22
23
24
A B C D
1
2 PREVISIÓN COBROS-PAGOS
3
4
5 DEMORA EN COBRO (DIAS) 60 60
6 2,019
7 CLIENTES 1 CLIENTES 2
8 COBRO EN EL AÑO 13,068 0
9 PENDIENTE DE COBRO 2,614 0
10 2,020
14 2,021
18 2,019 2,020
19 DEMORA EN PAGO (DIAS) 60 60
20 2,019 2,020
21 PROVISIÓN INCOBRABLES
22 PERDIDAS DE CLIENTES PREVISTAS
23
24 PLAZO DE COBRO OTROS INGRESOS en días 60 60
25
26 ACREEDORES PENDIENTE DE PAGO 0 0
27
28 SEGURIDAD SOCIAL PENDIENTE DE PAGO 31 32
29 SEGURIDAD SOCIAL TRABAJADOR 5% 5%
30 CARGAS SOCIALES 8% 8%
31
32 REMUNERACIONES PENDIENTES DE PAGO 6 6
33 SOBRE GASTOS DE PERSONAL 1% 1%
34
35 RETENCIÓN PENDIENTE DE PAGO 163 363
36 SOBRE GASTOS DEPERSONAL 20% 20%
E F G H
1
2
3 MENU
4
5 60
6
7 CLIENTES 3 CLIENTES 4 TOTAL
8 0 0 13,068
9 0 0 2,614
10
12 0 0 19,612
13 0 0 3,922
14
16 0 0 29,417
17 0 0 5,883
18 2,021
19 60
20 2,021
21
22
23
24 60
25
26 0
27
28 33
29 5%
30 8%
31
32 7
33 1%
34
35 633
36 20%
A B C D E
1
2 RESUMEN PREVISIÓN VENTAS-CONSUMOS
3
4 ESCENARIO NORMAL
5 INPUTS PRESUPUESTO DE EXPLOTACIÓN 2,019 2,020 2,021
6 Ingreso neto cifra de negocio 13,289 19,944 29,916
7
8 Variación existencias Prod. Term 2,607 43,152 2,667
9 Existencias finales Prod. Term 3,682 46,833 49,500
10 Existencias iniciales Prod. Term 1,075 3,682 46,833
11
12 APROVISIONAMIENTO 37,090 297,000 314,000
13 Consumo de mercaderías 0 0 0
14 Existencias finales Mercaderías 0 0 0
15 Existencias iniciales Mercaderías 0 0 0
16 Variación existencias Mercaderías 0 0 0
17 Compra Mercaderías 0 0 0
18
19 Consumo de mat. Primas y consumibles 7,090 265,000 280,000
20 Existencias finales Mat Primas 591 22,083 23,333
21 Existencias iniciales Mat Primas 750 591 22,083
22 Variación existencias Mat. Prima -159 21,493 1,250
23 Compra Mat. Prima y consumibles 6,931 286,493 281,250
24
25 Otros costes variables 30,000 32,000 34,000
26
27
28 MENU
29
A B C D
1
2 PREVISIONES EXPLOTACIÓN
3
4
5 OTRAS PREVISIONES EXPLOTACIÓN 2,019 2,020
6 PROVISIÓN POR DETERIORO EXISTENCIAS EN BALANCE 0.00% 0.00%
7 OTROS INGRESOS DE EXPLOTACIÓN 2.00% 2.00%
8 SERVICIOS EXTERIORES 2.00% 2.00%
9 PRIMAS DE SEGUROS Y SERVICIO BANCARIO 2.00% 2.00%
10 TRIBUTOS 2.00% 2.00%
11 OTROS GASTOS DE GESTIÓN CORRIENTE 2.00% 2.00%
12 GASTOS DE PERSONAL 2.00% 2.00%
13 CARGAS SOCIALES 2.00% 2.00%
14 DOTACION AMORT. INM. TANGIBLE 2.00% 2.00%
15 DOTACION AMORT. INM. INTANGIBLE 2.00% 2.00%
16
17
18 OTRAS PREVISIONES
19
E F G H
1
2
3
4
5 2,021
6 0.00% PORCENTAJE DE EXISTENCIAS TOTALES
7 2.00% PORCENTAJE INCREMENTO
14 2.00% PORCENTAJE
15 2.00% PORCENTAJE
16
17
18
19
A B C
1
2 PREVISIONES OTROS DATOS ACTIVIDAD
3
4
5 OTROS DATOS DE LA ACTIVIDAD 2,019
6 INVERSIONES FINANCIERAS TEMPORALES
7 VENTA DE INVERSIONES FINAN, TEMPORALES: PRECIO VENTA
8 VENTA DE INVERSIONES FINAN, TEMPORALES: COSTE
9 INGRESOS FINANCIEROS
10 GTO. FIN. L/P POR DEUDA al final del a.b. 3,800
11 PROVISIONES FINANCIERAS
12 TRASNFERENCIA SUBVENCIÓN
13 INGRESOS EXTRAORDINARIOS
14 GASTOS EXTRAORDINARIOS
15 SALDO TESORERIA DESEADO 10,000
16 IVA REPERCUTIDO (EXCEPTO VENTAS)
17 IVA INMOV 10.00%
18 IVA SOPORTADO 10.00%
19 IMPUESTO SOBRE SOCIEDADES 27%
20
21 POLITICA DE DIVIDENDOS
22 DIV. S/ CAP. SOCIAL DEL BENEFICIO AÑO 1, PAGO EN A.2 1%
25
26
27
D E F G H I
1
OS ACTIVIDAD
2
3
4
5 2,020 2,021
6 UNIDADES MONETARIAS
10 3,900 4,000 UNIDADES MONETARIAS
15 10,000 10,000 UNIDADES MONETARIAS
16
17 10.00% 10.00%
18 10.00% 10.00%
19 27% 27% UNIDADES MONETARIAS
20
21
22 M
23
24 E
25 N
26 OTRAS
U PREVISIONES
27
B C D E
2 ESCENARIO NORMAL MENU
3 INVERSIONES 2,019 2,020 2,021
4 INVERSION INMOV TANGIBLE 30,000 40,000 50,000
5 MES DE COMPRA Enero Abril Abril
6 PLAZO DE PAGO en días 90 90 90
7
8 INVERSION INMOV TANGIBLE 10,000 10,000 10,000
9 MES DE COMPRA Abril Abril Abril
11
12 TRABAJOS ELABORADOS POR LA EMPRESA PARA SU INMOVL. 10,000 10,000 10,000
13
14 INVERSION INMOV INTANGIBLE
15 MES DE COMPRA Febrero Abril Abril
17
18 INVERSIÓN FINANCIERA 10,000 10,000 10,000
19
20 VENTA INMOV. TANGIBLE: PRECIO VTA 1,000 1,000 1,000
21 VENTA INMOV. TANGIBLE: COSTE 0 0 0
22 VENTA INMOV. TANGIBLE: AMORTIZACIÓN 1000 1000 1000
23 MES DE VENTA Abril Abril Abril
24
25 VENTA INMOV. INTANGIBLE: PRECIO VTA
26 VENTA INMOV. INTANGIBLE: COSTE 0 0 0
27 VENTA INMOV. INTANGIBLE: AMORTIZACIÓN
28 MES DE VENTA Abril Abril Abril
29
30 VENTA INMOV. FINANCIERO PERM: PRECIO VTA 1,000 1,000 1,000
31 VENTA INMOV, FINANCIERO PERM: COSTE 0 0 0
32
33 COMPRA DE ACCIONES PROPIAS 1,000 1,000 1,000
34
35
OTRAS PREVISIONES
Prést. Largo A Prést. Largo B Prést. corto
Capital Prestado.................. 27,000 0 200
Número de años 5 10 1
Interés nominal anual.......... 3.00% 4.00% 2.00%
Gastos formalización 1.00% 1.00% 1.00%
Número de pagos al año... 12 12 6
Mes Operación ……………. May Feb Ago
Interés periódico.......... 0.25% 0.33% 0.33%
Número de periodos............ 60 120 6
Término Amortizativo 485.15 0.00 33.72
2,019 2,019
MENU Mar Abr
3 4
Intereses 0.00 0.00
Total amort 0.00 0.00
2,019 2,019 2,019

May Jun Jul
5 6 7
0 1 2
Prést. Largo A Capital vivo 27,000 26,582 26,164
Intereses 67.50 66.46
Amortización 417.65 418.70
Pago 485.15 485.15
2,019 2,019 2,019

Feb Mar Abr
2 3 4
0 1 2
Prést. Largo B Capital vivo 0.00 0.00 0.00
Intereses 0.00 0.00
Pago 0.00 0.00
2,019 2,019 2,019

Ago Oct Dic
8 10 12
0 1 2
Prést. corto Capital vivo 200.00 166.94 133.78
Intereses 0.67 0.56
Pago 33.72 33.72
1 2 3 4 5
Ene Feb Mar Abr May
0 13 25 37 49
2,019 2020 2021 2022 2023
2,019 2,020 2,021 2,022

PREST A Nominal 27,000
Gtos formal 270
Intereses 450 651 494 332
Amortiz 2,946 5,171 5,328 5,490
Neto 23,334 -5,822 -5,822 -5,822
PREST B Nominal 0
Gtos formal 0
Intereses 0 0 0 0
Amortiz 0 0 0 0
Neto 0 0 0 0
PREST C Nominal 200
Gtos formal 2
Intereses 1 1 0 0
Amortiz 66 134 0 0
Neto 131 -135 0 0
Suma netos 23,464 -5,957 -5,822 -5,822
2,019 2,019 2,019 2,019 2,019 2,019

May Jun Jul Ago Sep Oct
5 6 7 8 9 10
0.00 67.50 66.46 65.41 64.36 63.97
0.00 417.65 418.70 419.75 420.79 454.90
2,019 2,019 2,019 2,019 2,019 2,020

Ago Sep Oct Nov Dic Ene
8 9 10 11 12 13
3 4 5 6 7 8
25,744 25,323 24,901 24,478 24,054 23,629
65.41 64.36 63.31 62.25 61.20 60.14
419.75 420.79 421.85 422.90 423.96 425.02
485.15 485.15 485.15 485.15 485.15 485.15
2,019 2,019 2,019 2,019 2,019 2,019

5 6 7 8 9 10
3 4 5 6 7 8
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
2,020 2,020 2,020 2,020

Feb Abr Jun Ago
14 16 18 20
3 4 5 6
100.50 67.11 33.61 0.00
0.45 0.33 0.22 0.11
33.28 33.39 33.50 33.61
33.72 33.72 33.72 33.72
6 7 8 9 10 11
Jun Jul Ago Sep Oct Nov
61 73 85 97 109 121
2024 2025 2026 2027 2028 2029
2,019 2,019 2,020 2,020 2,020 2,020

Nov Dic Ene Feb Mar Abr
11 12 13 14 15 16
62.25 61.75 60.14 59.52 58.01 57.28
422.90 457.13 425.02 459.36 427.15 461.60
2,020 2,020 2,020 2,020 2,020 2,020

Feb Mar Abr May Jun Jul
14 15 16 17 18 19
9 10 11 12 13 14
23,203 22,776 22,348 21,919 21,488 21,057
59.07 58.01 56.94 55.87 54.80 53.72
426.08 427.15 428.21 429.28 430.36 431.43
485.15 485.15 485.15 485.15 485.15 485.15
2,019 2,019 2,020 2,020 2,020 2,020

11 12 13 14 15 16
9 10 11 12 13 14
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
12 13 14 15 16 17
Dic Ene Feb Mar Abr May
133 145 157 169 181 193
2030 2031 2032 2033 2034 2035
2,020 2,020 2,020 2,020 2,020 2,020

17 18 19 20 21 22
55.87 55.02 53.72 52.75 51.56 50.48
429.28 463.86 431.43 466.12 433.59 434.68
2,020 2,020 2,020 2,020 2,020 2,021

20 21 22 23 24 25
15 16 17 18 19 20
20,624 20,191 19,756 19,320 18,883 18,446
52.64 51.56 50.48 49.39 48.30 47.21
432.51 433.59 434.68 435.76 436.85 437.95
485.15 485.15 485.15 485.15 485.15 485.15
2,020 2,020 2,020 2,020 2,020 2,020

17 18 19 20 21 22
15 16 17 18 19 20
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
18 19 20 21 22 23 24
Jun Jul Ago Sep Oct Nov Dic
205 217 229 241 253 265 277
2036 2037 2038 2039 2040 2041 2042
2,020 2,020 2,021 2,021 2,021 2,021 2,021

Nov Dic Ene Feb Mar Abr May
23 24 25 26 27 28 29
49.39 48.30 47.21 46.11 45.02 43.92 42.81
435.76 436.85 437.95 439.04 440.14 441.24 442.34
2,021 2,021 2,021 2,021 2,021 2,021 2,021

Feb Mar Abr May Jun Jul Ago
26 27 28 29 30 31 32
21 22 23 24 25 26 27
18,006 17,566 17,125 16,683 16,239 15,795 15,349
46.11 45.02 43.92 42.81 41.71 40.60 39.49
439.04 440.14 441.24 442.34 443.45 444.56 445.67
485.15 485.15 485.15 485.15 485.15 485.15 485.15
2,020 2,020 2,021 2,021 2,021 2,021 2,021

23 24 25 26 27 28 29
21 22 23 24 25 26 27
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
25 26 27 28 29 30 31
Ene Feb Mar Abr May Jun Jul
289 301 313 325 337 349 361
2043 2044 2045 2046 2047 2048 2049
2,021 2,021 2,021 2,021 2,021 2,021 2,021

30 31 32 33 34 35 36
41.71 40.60 39.49 38.37 37.26 36.14 35.01
443.45 444.56 445.67 446.78 447.90 449.02 450.14
2,021 2,021 2,021 2,021 2,022 2,022 2,022

Sep Oct Nov Dic Ene Feb Mar
33 34 35 36 37 38 39
28 29 30 31 32 33 34
14,902 14,454 14,005 13,555 13,104 12,652 12,198
38.37 37.26 36.14 35.01 33.89 32.76 31.63
446.78 447.90 449.02 450.14 451.27 452.39 453.53
485.15 485.15 485.15 485.15 485.15 485.15 485.15
2,021 2,021 2,021 2,021 2,021 2,021 2,021

30 31 32 33 34 35 36
28 29 30 31 32 33 34
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
32 33 34 35 36 37 38
Ago Sep Oct Nov Dic Ene Feb
373 385 397 409 421 433 445
2050 2051 2052 2053 2054 2055 2056
2,022 2,022 2,022 2,022 2,022 2,022 2,022

37 38 39 40 41 42 43
33.89 32.76 31.63 30.50 29.36 28.22 27.08
451.27 452.39 453.53 454.66 455.80 456.94 458.08
2,022 2,022 2,022 2,022 2,022 2,022 2,022

Abr May Jun Jul Ago Sep Oct
40 41 42 43 44 45 46
35 36 37 38 39 40 41
11,743 11,288 10,831 10,373 9,913 9,453 8,991
30.50 29.36 28.22 27.08 25.93 24.78 23.63
454.66 455.80 456.94 458.08 459.22 460.37 461.52
485.15 485.15 485.15 485.15 485.15 485.15 485.15
2,022 2,022 2,022 2,022 2,022 2,022 2,022

37 38 39 40 41 42 43
35 36 37 38 39 40 41
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
39 40 41 42 43 44 45
Mar Abr May Jun Jul Ago Sep
457 469 481 493 505 517 529
2057 2058 2059 2060 2061 2062 2063
2,022 2,022 2,022 2,022 2,022 2,023 2,023

44 45 46 47 48 49 50
25.93 24.78 23.63 22.48 21.32 20.16 19.00
459.22 460.37 461.52 462.68 463.83 464.99 466.15
2,022 2,022 2,023 2,023 2,023 2,023 2,023

47 48 49 50 51 52 53
42 43 44 45 46 47 48
8,529 8,065 7,600 7,134 6,666 6,198 5,728
22.48 21.32 20.16 19.00 17.83 16.67 15.50
462.68 463.83 464.99 466.15 467.32 468.49 469.66
485.15 485.15 485.15 485.15 485.15 485.15 485.15
2,022 2,022 2,022 2,022 2,022 2,023 2,023

44 45 46 47 48 49 50
42 43 44 45 46 47 48
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
46 47 48
Oct Nov Dic
541 553 565
2064 2065 2066
2,023 2,023 2,023 2,023 2,023 2,023 2,023

51 52 53 54 55 56 57
17.83 16.67 15.50 14.32 13.14 11.96 10.78
467.32 468.49 469.66 470.83 472.01 473.19 474.37
2,023 2,023 2,023 2,023 2,023 2,023 2,023

54 55 56 57 58 59 60
49 50 51 52 53 54 55
5,258 4,785 4,312 3,838 3,362 2,886 2,408
14.32 13.14 11.96 10.78 9.59 8.41 7.21
470.83 472.01 473.19 474.37 475.56 476.75 477.94
485.15 485.15 485.15 485.15 485.15 485.15 485.15
2,023 2,023 2,023 2,023 2,023 2,023 2,023

51 52 53 54 55 56 57
49 50 51 52 53 54 55
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,023 2,023 2,023 2,024 2,024 2,024 2,024
Oct Nov Dic Ene Feb Mar Abr
58 59 60 61 62 63 64
9.59 8.41 7.21 6.02 4.82 3.62 2.42
475.56 476.75 477.94 479.14 480.33 481.53 482.74
2,024 2,024 2,024 2,024 2,024

Ene Feb Mar Abr May
61 62 63 64 65
56 57 58 59 60
1,929 1,448 967 484 0
6.02 4.82 3.62 2.42 1.21
479.14 480.33 481.53 482.74 483.94
485.15 485.15 485.15 485.15 485.15
2,023 2,023 2,023 2,024 2,024 2,024 2,024

58 59 60 61 62 63 64
56 57 58 59 60 61 62
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,024 2,024 2,024 2,024 2,024 2,024 2,024
May Jun Jul Ago Sep Oct Nov
65 66 67 68 69 70 71
1.21 0.00 0.00 0.00 0.00 0.00 0.00
483.94 0.00 0.00 0.00 0.00 0.00 0.00
2,024 2,024 2,024 2,024 2,024 2,024 2,024

65 66 67 68 69 70 71
63 64 65 66 67 68 69
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,024 2,025 2,025 2,025 2,025 2,025 2,025
Dic Ene Feb Mar Abr May Jun
72 73 74 75 76 77 78
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,024 2,025 2,025 2,025 2,025 2,025 2,025

72 73 74 75 76 77 78
70 71 72 73 74 75 76
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,025 2,025 2,025 2,025 2,025 2,025 2,026
Jul Ago Sep Oct Nov Dic Ene
79 80 81 82 83 84 85
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,025 2,025 2,025 2,025 2,025 2,025 2,026

79 80 81 82 83 84 85
77 78 79 80 81 82 83
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,026 2,026 2,026 2,026 2,026 2,026 2,026
86 87 88 89 90 91 92
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,026 2,026 2,026 2,026 2,026 2,026 2,026

86 87 88 89 90 91 92
84 85 86 87 88 89 90
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,026 2,026 2,026 2,026 2,027 2,027 2,027
93 94 95 96 97 98 99
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,026 2,026 2,026 2,026 2,026 2,026 2,026

93 94 95 96 97 98 99
91 92 93 94 95 96 97
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,027 2,027 2,027 2,027 2,027 2,027 2,027
100 101 102 103 104 105 106
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,026 2,026 2,026 2,026 2,026 2,026 2,026

100 101 102 103 104 105 106
98 99 100 101 102 103 104
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,027 2,027 2,028 2,028 2,028 2,028 2,028
107 108 109 110 111 112 113
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,026 2,026 2,026 2,026 2,026 2,026 2,026

107 108 109 110 111 112 113
105 106 107 108 109 110 111
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,028 2,028 2,028 2,028 2,028 2,028 2,028
114 115 116 117 118 119 120
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,026 2,026 2,026 2,026 2,026 2,026 2,026

114 115 116 117 118 119 120
112 113 114 115 116 117 118
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital Prestado.................. 60,000 70,000 30,000
Mes Operación ……………. May Feb Ago
Término Amortizativo 1,078.12 708.72 5,058.50
MENU
2,019 2,019 2,019

May Jun Jul
5 6 7
0 1 2
Intereses 150.00 147.68
Pago 1,078.12 1,078.12
2,019 2,019 2,019

Feb Mar Abr
2 3 4
0 1 2
Prést. Largo B Capital vivo 70,000.00 69,524.62 69,047.65
Intereses 233.33 231.75
Pago 708.72 708.72
2,019 2,019 2,019

Ago Oct Dic
8 10 12
0 1 2
Prést. corto Capital vivo 30,000.00 25,041.50 20,066.48
Amortización 4,958.50 4,975.02
Pago 5,058.50 5,058.50
1 2 3 4 5
Ene Feb Mar Abr May
2,019
Gtos formal 600
Intereses 1,001
Amortiz 6,546
Neto 51,853
PREST B Nominal 70,000
Gtos formal 700
Intereses 2,261
Amortiz 4,826
Neto 62,213
PREST C Nominal 30,000
Gtos formal 300
Intereses 183
Amortiz 9,934
Neto 19,583
Suma netos 133,649
2,019 2,019 2,019 2,019 2,019 2,020

8 9 10 11 12 13
3 4 5 6 7 8
57,209 56,274 55,336 54,396 53,454 52,510
145.35 143.02 140.68 138.34 135.99 133.64
932.77 935.10 937.44 939.78 942.13 944.49
1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12
2,019 2,019 2,019 2,019 2,019 2,019

5 6 7 8 9 10
3 4 5 6 7 8
68,569.09 68,088.94 67,607.19 67,123.83 66,638.86 66,152.27
230.16 228.56 226.96 225.36 223.75 222.13
478.56 480.15 481.75 483.36 484.97 486.59
708.72 708.72 708.72 708.72 708.72 708.72
2,020 2,020 2,020 2,020

Feb Abr Jun Ago
14 16 18 20
3 4 5 6
15,074.87 10,066.63 5,041.69 0.00
66.89 50.25 33.56 16.81
4,991.61 5,008.25 5,024.94 5,041.69
5,058.50 5,058.50 5,058.50 5,058.50
6 7 8 9 10 11 12
2,020 2,020 2,020

Feb Mar Abr
14 15 16
9 10 11
51,563 50,614 49,662
131.27 128.91 126.53
946.85 949.21 951.59
1,078.12 1,078.12 1,078.12
2,019 2,019 2,020

Nov Dic Ene
11 12 13
9 10 11
65,664.06 65,174.23 64,682.76
220.51 218.88 217.25
488.21 489.84 491.47
708.72 708.72 708.72
13 14 15 16 17 18 19
20 21 22 23 24
Ago Sep Oct Nov Dic
Prést. Largo A Prést. Largo BPrést. corto
Capital Prestado.................. 60,000 2,000 0
Mes Operación ……………. Feb Feb Ene
Término Amortizativo 1,078.12 20.25 0.00
MENU
2,020 2,020
Mar Abr
3 4
Intereses 6.67 6.62
2,020 2,020 2,020

Feb Jun Jul
5 6 7
0 1 2
Intereses 150.00 147.68
Pago 1,078.12 1,078.12
2,020 2,020 2,020

Feb Mar Abr
2 3 4
0 1 2
Intereses 6.67 6.62
Pago 20.25 20.25
2,020 2,020 2,020

Ene Mar May
1 3 5
0 1 2
Intereses 0.00 0.00
Pago 0.00 0.00
1 2 3 4 5
Ene Feb Mar Abr May
0 13 25 37 49
2,020 2021 2022 2023 2024
2,020 2,021 2,022

Gtos formal 600
Intereses 1,001 1,446 1,097
Amortiz 6,546 11,491 11,840
Neto 51,853 -12,937 -12,937
Gtos formal 20
Intereses 65 71 64
Amortiz 138 172 179
Neto 1,778 -243 -243
PREST C Nominal 0
Gtos formal 0
Intereses 0 0 0
Amortiz 0 0 0
Neto 0 0 0
Suma netos 53,631 -13,180 -13,180
2,020 2,020 2,020 2,020 2,020 2,020

5 6 7 8 9 10
6.58 156.53 154.16 151.79 149.41 147.03
13.67 941.84 944.21 946.58 948.96 951.34
2,020 2,020 2,020 2,020 2,020 2,021

8 9 10 11 12 13
3 4 5 6 7 8
57,209 56,274 55,336 54,396 53,454 52,510
145.35 143.02 140.68 138.34 135.99 133.64
932.77 935.10 937.44 939.78 942.13 944.49
1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12
2,020 2,020 2,020 2,020 2,020 2,020

5 6 7 8 9 10
3 4 5 6 7 8
1,959.12 1,945.40 1,931.63 1,917.82 1,903.97 1,890.06
6.58 6.53 6.48 6.44 6.39 6.35
13.67 13.72 13.76 13.81 13.86 13.90
20.25 20.25 20.25 20.25 20.25 20.25
2,020 2,020 2,020 2,021

Jul Sep Nov Ene
7 9 11 13
3 4 5 6
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
6 7 8 9 10 11
61 73 85 97 109 121
2025 2026 2027 2028 2029 2030
2,020 2,020 2,021 2,021 2,021 2,021

11 12 13 14 15 16
144.64 142.24 139.84 137.43 135.02 132.60
953.73 956.13 958.53 960.94 963.35 965.77
2,021 2,021 2,021 2,021 2,021 2,021

14 15 16 17 18 19
9 10 11 12 13 14
51,563 50,614 49,662 48,708 47,752 46,793
131.27 128.91 126.53 124.16 121.77 119.38
946.85 949.21 951.59 953.97 956.35 958.74
1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12
2,020 2,020 2,021 2,021 2,021 2,021

11 12 13 14 15 16
9 10 11 12 13 14
1,876.12 1,862.12 1,848.08 1,833.99 1,819.85 1,805.67
6.30 6.25 6.21 6.16 6.11 6.07
13.95 14.00 14.04 14.09 14.14 14.18
20.25 20.25 20.25 20.25 20.25 20.25
12 13 14 15 16 17
133 145 157 169 181 193
2031 2032 2033 2034 2035 2036
2,021 2,021 2,021 2,021 2,021 2,021

17 18 19 20 21 22
130.17 127.74 125.30 122.86 120.41 117.95
968.20 970.63 973.07 975.51 977.96 980.42
2,021 2,021 2,021 2,021 2,021 2,022

20 21 22 23 24 25
15 16 17 18 19 20
45,832 44,868 43,902 42,934 41,963 40,990
116.98 114.58 112.17 109.76 107.34 104.91
961.14 963.54 965.95 968.37 970.79 973.21
1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12
2,021 2,021 2,021 2,021 2,021 2,021

17 18 19 20 21 22
15 16 17 18 19 20
1,791.44 1,777.16 1,762.84 1,748.47 1,734.04 1,719.58
6.02 5.97 5.92 5.88 5.83 5.78
14.23 14.28 14.33 14.37 14.42 14.47
20.25 20.25 20.25 20.25 20.25 20.25
18 19 20 21 22 23 24
205 217 229 241 253 265 277
2037 2038 2039 2040 2041 2042 2043
2,021 2,021 2,022 2,022 2,022 2,022 2,022

23 24 25 26 27 28 29
115.49 113.02 110.54 108.06 105.57 103.08 100.58
982.88 985.35 987.83 990.31 992.80 995.29 997.79
2,022 2,022 2,022 2,022 2,022 2,022 2,022

26 27 28 29 30 31 32
21 22 23 24 25 26 27
40,014 39,036 38,056 37,073 36,087 35,099 34,109
102.48 100.04 97.59 95.14 92.68 90.22 87.75
975.65 978.09 980.53 982.98 985.44 987.90 990.37
1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12
2,021 2,021 2,022 2,022 2,022 2,022 2,022

23 24 25 26 27 28 29
21 22 23 24 25 26 27
1,705.06 1,690.49 1,675.88 1,661.22 1,646.51 1,631.74 1,616.93
5.73 5.68 5.63 5.59 5.54 5.49 5.44
14.52 14.57 14.61 14.66 14.71 14.76 14.81
20.25 20.25 20.25 20.25 20.25 20.25 20.25
25 26 27 28 29 30 31
289 301 313 325 337 349 361
2044 2045 2046 2047 2048 2049 2050
2,022 2,022 2,022 2,022 2,022 2,022 2,022

30 31 32 33 34 35 36
98.07 95.56 93.04 90.51 87.98 85.44 82.90
1,000.30 1,002.81 1,005.33 1,007.86 1,010.39 1,012.93 1,015.47
2,022 2,022 2,022 2,022 2,023 2,023 2,023

33 34 35 36 37 38 39
28 29 30 31 32 33 34
33,116 32,121 31,123 30,123 29,120 28,115 27,107
85.27 82.79 80.30 77.81 75.31 72.80 70.29
992.85 995.33 997.82 1,000.31 1,002.81 1,005.32 1,007.83
1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12
2,022 2,022 2,022 2,022 2,022 2,022 2,022

30 31 32 33 34 35 36
28 29 30 31 32 33 34
1,602.08 1,587.17 1,572.21 1,557.20 1,542.14 1,527.03 1,511.87
5.39 5.34 5.29 5.24 5.19 5.14 5.09
14.86 14.91 14.96 15.01 15.06 15.11 15.16
20.25 20.25 20.25 20.25 20.25 20.25 20.25
32 33 34 35 36 37 38
373 385 397 409 421 433 445
2051 2052 2053 2054 2055 2056 2057
2,023 2,023 2,023 2,023 2,023 2,023 2,023

37 38 39 40 41 42 43
80.35 77.79 75.22 72.65 70.08 67.49 64.90
1,018.02 1,020.58 1,023.15 1,025.72 1,028.29 1,030.88 1,033.47
2,023 2,023 2,023 2,023 2,023 2,023 2,023

40 41 42 43 44 45 46
35 36 37 38 39 40 41
26,096 25,084 24,068 23,050 22,030 21,007 19,981
67.77 65.24 62.71 60.17 57.63 55.07 52.52
1,010.35 1,012.88 1,015.41 1,017.95 1,020.50 1,023.05 1,025.60
1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12
2,023 2,023 2,023 2,023 2,023 2,023 2,023

37 38 39 40 41 42 43
35 36 37 38 39 40 41
1,496.66 1,481.40 1,466.09 1,450.73 1,435.32 1,419.85 1,404.34
5.04 4.99 4.94 4.89 4.84 4.78 4.73
15.21 15.26 15.31 15.36 15.41 15.46 15.52
20.25 20.25 20.25 20.25 20.25 20.25 20.25
39 40 41 42 43 44 45
457 469 481 493 505 517 529
2058 2059 2060 2061 2062 2063 2064
2,023 2,023 2,023 2,023 2,023 2,024 2,024

44 45 46 47 48 49 50
62.31 59.70 57.09 54.48 51.85 49.23 46.59
1,036.06 1,038.67 1,041.28 1,043.89 1,046.52 1,049.15 1,051.78
2,023 2,023 2,024 2,024 2,024 2,024 2,024

47 48 49 50 51 52 53
42 43 44 45 46 47 48
18,953 17,922 16,889 15,853 14,814 13,773 12,730
49.95 47.38 44.81 42.22 39.63 37.04 34.43
1,028.17 1,030.74 1,033.32 1,035.90 1,038.49 1,041.09 1,043.69
1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12
2,023 2,023 2,023 2,023 2,023 2,024 2,024

44 45 46 47 48 49 50
42 43 44 45 46 47 48
1,388.77 1,373.15 1,357.48 1,341.75 1,325.98 1,310.15 1,294.27
4.68 4.63 4.58 4.52 4.47 4.42 4.37
15.57 15.62 15.67 15.72 15.78 15.83 15.88
20.25 20.25 20.25 20.25 20.25 20.25 20.25
46 47 48
Oct Nov Dic
541 553 565
2065 2066 2067
2,024 2,024 2,024 2,024 2,024 2,024 2,024

51 52 53 54 55 56 57
43.95 41.30 38.64 35.98 33.31 30.63 27.95
1,054.42 1,057.07 1,059.73 1,062.39 1,065.06 1,067.74 1,070.42
2,024 2,024 2,024 2,024 2,024 2,024 2,024

54 55 56 57 58 59 60
49 50 51 52 53 54 55
11,683 10,634 9,583 8,529 7,472 6,413 5,350
31.82 29.21 26.59 23.96 21.32 18.68 16.03
1,046.30 1,048.91 1,051.54 1,054.16 1,056.80 1,059.44 1,062.09
1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12
2,024 2,024 2,024 2,024 2,024 2,024 2,024

51 52 53 54 55 56 57
49 50 51 52 53 54 55
1,278.33 1,262.34 1,246.30 1,230.21 1,214.06 1,197.86 1,181.60
4.31 4.26 4.21 4.15 4.10 4.05 3.99
15.93 15.99 16.04 16.09 16.15 16.20 16.26
20.25 20.25 20.25 20.25 20.25 20.25 20.25
2,024 2,024 2,024 2,025 2,025 2,025 2,025
58 59 60 61 62 63 64
25.26 22.56 19.86 17.15 14.43 11.71 8.98
1,073.11 1,075.81 1,078.51 1,081.22 1,083.94 1,086.66 1,089.39
2,025 2,025 2,025 2,025 2,025

Ene Feb Mar Abr May
61 62 63 64 65
56 57 58 59 60
4,286 3,218 2,148 1,075 0
13.38 10.71 8.05 5.37 2.69
1,064.75 1,067.41 1,070.08 1,072.75 1,075.43
1,078.12 1,078.12 1,078.12 1,078.12 1,078.12
2,024 2,024 2,024 2,025 2,025 2,025 2,025

58 59 60 61 62 63 64
56 57 58 59 60 61 62
1,165.29 1,148.93 1,132.51 1,116.03 1,099.50 1,082.92 1,066.28
3.94 3.88 3.83 3.78 3.72 3.67 3.61
16.31 16.36 16.42 16.47 16.53 16.58 16.64
20.25 20.25 20.25 20.25 20.25 20.25 20.25
2,025 2,025 2,025 2,025 2,025 2,025 2,025
65 66 67 68 69 70 71
6.24 3.50 3.44 3.39 3.33 3.27 3.22
1,092.13 16.75 16.81 16.86 16.92 16.97 17.03
2,025 2,025 2,025 2,025 2,025 2,025 2,025

65 66 67 68 69 70 71
63 64 65 66 67 68 69
1,049.59 1,032.83 1,016.03 999.17 982.25 965.27 948.24
3.55 3.50 3.44 3.39 3.33 3.27 3.22
16.69 16.75 16.81 16.86 16.92 16.97 17.03
20.25 20.25 20.25 20.25 20.25 20.25 20.25
2,025 2,026 2,026 2,026 2,026 2,026 2,026
72 73 74 75 76 77 78
3.16 3.10 3.05 2.99 2.93 2.87 2.82
17.09 17.15 0.00 0.00 0.00 0.00 0.00
2,025 2,026 2,026 2,026 2,026 2,026 2,026

72 73 74 75 76 77 78
70 71 72 73 74 75 76
931.15 914.01 896.81 879.55 862.23 844.85 827.42
3.16 3.10 3.05 2.99 2.93 2.87 2.82
17.09 17.15 17.20 17.26 17.32 17.37 17.43
20.25 20.25 20.25 20.25 20.25 20.25 20.25
2,026 2,026 2,026 2,026 2,026 2,026 2,027
79 80 81 82 83 84 85
2.76 2.70 2.64 2.58 2.52 2.46 2.41
0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,026 2,026 2,026 2,026 2,026 2,026 2,027

79 80 81 82 83 84 85
77 78 79 80 81 82 83
809.93 792.38 774.77 757.11 739.38 721.60 703.75
2.76 2.70 2.64 2.58 2.52 2.46 2.41
17.49 17.55 17.61 17.67 17.73 17.78 17.84
20.25 20.25 20.25 20.25 20.25 20.25 20.25
2,027 2,027 2,027 2,027 2,027 2,027 2,027
86 87 88 89 90 91 92
2.35 2.29 2.23 2.17 2.11 2.05 1.98
0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,027 2,027 2,027 2,027 2,027 2,027 2,027

86 87 88 89 90 91 92
84 85 86 87 88 89 90
685.85 667.89 649.86 631.78 613.64 595.44 577.17
2.35 2.29 2.23 2.17 2.11 2.05 1.98
17.90 17.96 18.02 18.08 18.14 18.20 18.26
20.25 20.25 20.25 20.25 20.25 20.25 20.25
2,027 2,027 2,027 2,027 2,028 2,028 2,028
93 94 95 96 97 98 99
1.92 1.86 1.80 1.74 1.68 1.62 1.55
0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,027 2,027 2,027 2,027 2,027 2,027 2,027

93 94 95 96 97 98 99
91 92 93 94 95 96 97
558.85 540.46 522.01 503.50 484.93 466.30 447.60
1.92 1.86 1.80 1.74 1.68 1.62 1.55
18.33 18.39 18.45 18.51 18.57 18.63 18.69
20.25 20.25 20.25 20.25 20.25 20.25 20.25
2,028 2,028 2,028 2,028 2,028 2,028 2,028
100 101 102 103 104 105 106
1.49 1.43 1.37 1.30 1.24 1.18 1.11
0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,027 2,027 2,027 2,027 2,027 2,027 2,027

100 101 102 103 104 105 106
98 99 100 101 102 103 104
428.85 410.03 391.15 372.20 353.19 334.12 314.99
1.49 1.43 1.37 1.30 1.24 1.18 1.11
18.76 18.82 18.88 18.95 19.01 19.07 19.14
20.25 20.25 20.25 20.25 20.25 20.25 20.25
2,028 2,028 2,029 2,029 2,029 2,029 2,029
107 108 109 110 111 112 113
1.05 0.99 0.92 0.86 0.79 0.73 0.66
0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,027 2,027 2,027 2,027 2,027 2,027 2,027

107 108 109 110 111 112 113
105 106 107 108 109 110 111
295.79 276.52 257.20 237.80 218.35 198.83 179.24
1.05 0.99 0.92 0.86 0.79 0.73 0.66
19.20 19.26 19.33 19.39 19.46 19.52 19.59
20.25 20.25 20.25 20.25 20.25 20.25 20.25
2,029 2,029 2,029 2,029 2,029 2,029 2,029
114 115 116 117 118 119 120
0.60 0.53 0.47 0.40 0.33 0.27 0.20
0.00 0.00 0.00 0.00 0.00 0.00 0.00
2,027 2,027 2,027 2,027 2,027 2,027 2,027

114 115 116 117 118 119 120
112 113 114 115 116 117 118
159.59 139.87 120.09 100.24 80.33 60.34 40.30
0.60 0.53 0.47 0.40 0.33 0.27 0.20
19.65 19.72 19.78 19.85 19.91 19.98 20.05
20.25 20.25 20.25 20.25 20.25 20.25 20.25
Mes Operación ……………. Feb Feb Ene
MENU
MENU
2,020 2,020 2,020
Feb Mar Abr
2 3 4
0 1 2
Intereses 150.00 147.68
Pago 1,078.12 1,078.12
2,020 2,020 2,020

Feb Mar Abr
2 3 4
0 1 2
Intereses 233.33 231.75
Pago 708.72 708.72
2,020 2,020 2,020

Ene Mar May
1 3 5
0 1 2
Pago 5,058.50 5,058.50
1 2 3 4 5
Ene Feb Mar Abr May
2,020
Gtos formal 600
Intereses 1,395
Amortiz 9,386
Neto 48,619
Gtos formal 700
Intereses 2,261
Amortiz 4,826
Neto 62,213
Gtos formal 300
Intereses 334
Amortiz 24,958
Neto 4,408
Suma netos 115,239
2,020 2,020 2,020 2,020 2,020 2,020

5 6 7 8 9 10
3 4 5 6 7 8
57,209 56,274 55,336 54,396 53,454 52,510
145.35 143.02 140.68 138.34 135.99 133.64
932.77 935.10 937.44 939.78 942.13 944.49
1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12
2,020 2,020 2,020 2,020 2,020 2,020

5 6 7 8 9 10
3 4 5 6 7 8
68,569.09 68,088.94 67,607.19 67,123.83 66,638.86 66,152.27
230.16 228.56 226.96 225.36 223.75 222.13
478.56 480.15 481.75 483.36 484.97 486.59
708.72 708.72 708.72 708.72 708.72 708.72
2,020 2,020 2,020 2,021

Jul Sep Nov Ene
7 9 11 13
3 4 5 6
15,074.87 10,066.63 5,041.69 0.00
66.89 50.25 33.56 16.81
4,991.61 5,008.25 5,024.94 5,041.69
5,058.50 5,058.50 5,058.50 5,058.50
6 7 8 9 10 11 12
2,020 2,020 2,021

Nov Dic Ene
11 12 13
9 10 11
51,563 50,614 49,662
131.27 128.91 126.53
946.85 949.21 951.59
1,078.12 1,078.12 1,078.12
2,020 2,020 2,021

Nov Dic Ene
11 12 13
9 10 11
65,664.06 65,174.23 64,682.76
220.51 218.88 217.25
488.21 489.84 491.47
708.72 708.72 708.72
13 14 15 16 17 18 19
20 21 22 23 24
Ago Sep Oct Nov Dic
Prést. Largo A Prést. Largo BPrést. corto
Capital Prestado.................. 60,000 21,000 0
Mes Operación ……………. Feb Feb Feb

Término Amortizativo 1,078.12 212.61 0.00
2,021 2,021
MENU Mar Abr
3 4
Intereses 0.00 -0.71
2,021 2,021 2,021

Feb Jun Jul
5 6 7
0 1 2
Intereses 150.00 147.68
Pago 1,078.12 1,078.12
2,021 2,021 2,021

Feb Mar Abr
2 3 4
0 1 2
Prést. Largo B Capital vivo 0.00 -212.61 -425.94
Intereses 0.00 -0.71
Pago 212.61 212.61
2,021 2,021 2,021

Feb Abr Jun
2 4 6
0 1 2
Intereses 0.00 0.00
Pago 0.00 0.00
1 2 3 4 5
Ene Feb Mar Abr May
0 13 25 37 49
2,021 2022 2023 2024 2025
2,021 2,022
Gtos formal 600
Intereses 1,001 1,446
Amortiz 6,546 11,491
Neto 51,853 -12,937
Gtos formal 210
Intereses -32 -135
Amortiz 2,158 2,687
Neto 18,664 -2,551
PREST C Nominal 0
Gtos formal 0
Intereses 0 0
Amortiz 0 0
Neto 0 0
Suma netos 70,517 -15,489
2,021 2,021 2,021 2,021 2,021 2,021

5 6 7 8 9 10
-1.42 147.87 144.83 141.79 138.73 135.67
214.03 1,142.87 1,145.91 1,148.95 1,152.00 1,155.06
2,021 2,021 2,021 2,021 2,021 2,022

8 9 10 11 12 13
3 4 5 6 7 8
57,209 56,274 55,336 54,396 53,454 52,510
145.35 143.02 140.68 138.34 135.99 133.64
932.77 935.10 937.44 939.78 942.13 944.49
1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12
2,021 2,021 2,021 2,021 2,021 2,021

5 6 7 8 9 10
3 4 5 6 7 8
-639.97 -854.72 -1,070.18 -1,286.37 -1,503.27 -1,720.90
-1.42 -2.13 -2.85 -3.57 -4.29 -5.01
214.03 214.75 215.46 216.18 216.90 217.63
212.61 212.61 212.61 212.61 212.61 212.61
2,021 2,021 2,021 2,022

Ago Oct Dic Feb
8 10 12 14
3 4 5 6
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
6 7 8 9 10 11
61 73 85 97 109 121
2026 2027 2028 2029 2030 2031
2,021 2,021 2,022 2,022 2,022 2,022

11 12 13 14 15 16
132.60 129.53 126.44 123.35 120.24 117.13
1,158.13 1,161.21 1,164.30 1,167.39 1,170.49 1,173.60
2,022 2,022 2,022 2,022 2,022 2,022

14 15 16 17 18 19
9 10 11 12 13 14
51,563 50,614 49,662 48,708 47,752 46,793
131.27 128.91 126.53 124.16 121.77 119.38
946.85 949.21 951.59 953.97 956.35 958.74
1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12
2,021 2,021 2,022 2,022 2,022 2,022

11 12 13 14 15 16
9 10 11 12 13 14
-1,939.25 -2,158.33 -2,378.13 -2,598.68 -2,819.95 -3,041.97
-5.74 -6.46 -7.19 -7.93 -8.66 -9.40
218.35 219.08 219.81 220.54 221.28 222.01
212.61 212.61 212.61 212.61 212.61 212.61
12 13 14 15 16 17
133 145 157 169 181 193
2032 2033 2034 2035 2036 2037
2,022 2,022 2,022 2,022 2,022 2,022

17 18 19 20 21 22
114.02 110.89 107.75 104.61 101.45 98.29
1,176.72 1,179.85 1,182.98 1,186.13 1,189.28 1,192.44
2,022 2,022 2,022 2,022 2,022 2,023

20 21 22 23 24 25
15 16 17 18 19 20
45,832 44,868 43,902 42,934 41,963 40,990
116.98 114.58 112.17 109.76 107.34 104.91
961.14 963.54 965.95 968.37 970.79 973.21
1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12
2,022 2,022 2,022 2,022 2,022 2,022

17 18 19 20 21 22
15 16 17 18 19 20
-3,264.72 -3,488.22 -3,712.46 -3,937.45 -4,163.19 -4,389.68
-10.14 -10.88 -11.63 -12.37 -13.12 -13.88
222.75 223.50 224.24 224.99 225.74 226.49
212.61 212.61 212.61 212.61 212.61 212.61
18 19 20 21 22 23 24
205 217 229 241 253 265 277
2038 2039 2040 2041 2042 2043 2044
2,022 2,022 2,023 2,023 2,023 2,023 2,023

23 24 25 26 27 28 29
95.12 91.95 88.76 85.56 82.36 79.15 75.92
1,195.61 1,198.79 1,201.98 1,205.17 1,208.38 1,211.59 1,214.81
2,023 2,023 2,023 2,023 2,023 2,023 2,023

26 27 28 29 30 31 32
21 22 23 24 25 26 27
40,014 39,036 38,056 37,073 36,087 35,099 34,109
102.48 100.04 97.59 95.14 92.68 90.22 87.75
975.65 978.09 980.53 982.98 985.44 987.90 990.37
1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12
2,022 2,022 2,023 2,023 2,023 2,023 2,023

23 24 25 26 27 28 29
21 22 23 24 25 26 27
-4,616.93 -4,844.94 -5,073.70 -5,303.23 -5,533.52 -5,764.58 -5,996.41
-14.63 -15.39 -16.15 -16.91 -17.68 -18.45 -19.22
227.25 228.00 228.76 229.53 230.29 231.06 231.83
212.61 212.61 212.61 212.61 212.61 212.61 212.61
25 26 27 28 29 30 31
289 301 313 325 337 349 361
2045 2046 2047 2048 2049 2050 2051
2,023 2,023 2,023 2,023 2,023 2,023 2,023

30 31 32 33 34 35 36
72.69 69.45 66.21 62.95 59.69 56.41 53.13
1,218.04 1,221.28 1,224.53 1,227.79 1,231.05 1,234.32 1,237.61
2,023 2,023 2,023 2,023 2,024 2,024 2,024

33 34 35 36 37 38 39
28 29 30 31 32 33 34
33,116 32,121 31,123 30,123 29,120 28,115 27,107
85.27 82.79 80.30 77.81 75.31 72.80 70.29
992.85 995.33 997.82 1,000.31 1,002.81 1,005.32 1,007.83
1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12
2,023 2,023 2,023 2,023 2,023 2,023 2,023

30 31 32 33 34 35 36
28 29 30 31 32 33 34
-6,229.01 -6,462.39 -6,696.55 -6,931.48 -7,167.20 -7,403.71 -7,641.00
-19.99 -20.76 -21.54 -22.32 -23.10 -23.89 -24.68
232.60 233.38 234.16 234.94 235.72 236.51 237.29
212.61 212.61 212.61 212.61 212.61 212.61 212.61
32 33 34 35 36 37 38
373 385 397 409 421 433 445
2052 2053 2054 2055 2056 2057 2058
2,024 2,024 2,024 2,024 2,024 2,024 2,024

37 38 39 40 41 42 43
49.84 46.54 43.23 39.91 36.58 33.24 29.90
1,240.90 1,244.20 1,247.51 1,250.83 1,254.16 1,257.49 1,260.84
2,024 2,024 2,024 2,024 2,024 2,024 2,024

40 41 42 43 44 45 46
35 36 37 38 39 40 41
26,096 25,084 24,068 23,050 22,030 21,007 19,981
67.77 65.24 62.71 60.17 57.63 55.07 52.52
1,010.35 1,012.88 1,015.41 1,017.95 1,020.50 1,023.05 1,025.60
1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12
2,024 2,024 2,024 2,024 2,024 2,024 2,024

37 38 39 40 41 42 43
35 36 37 38 39 40 41
-7,879.09 -8,117.96 -8,357.64 -8,598.11 -8,839.39 -9,081.47 -9,324.35
-25.47 -26.26 -27.06 -27.86 -28.66 -29.46 -30.27
238.08 238.88 239.67 240.47 241.28 242.08 242.89
212.61 212.61 212.61 212.61 212.61 212.61 212.61
39 40 41 42 43 44 45
457 469 481 493 505 517 529
2059 2060 2061 2062 2063 2064 2065
2,024 2,024 2,024 2,024 2,024 2,025 2,025

44 45 46 47 48 49 50
26.54 23.18 19.81 16.43 13.04 9.64 6.23
1,264.19 1,267.56 1,270.93 1,274.31 1,277.70 1,281.10 1,284.51
2,024 2,024 2,025 2,025 2,025 2,025 2,025

47 48 49 50 51 52 53
42 43 44 45 46 47 48
18,953 17,922 16,889 15,853 14,814 13,773 12,730
49.95 47.38 44.81 42.22 39.63 37.04 34.43
1,028.17 1,030.74 1,033.32 1,035.90 1,038.49 1,041.09 1,043.69
1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12
2,024 2,024 2,024 2,024 2,024 2,025 2,025

44 45 46 47 48 49 50
42 43 44 45 46 47 48
-9,568.05 -9,812.56 -10,057.88 -10,304.02 -10,550.98 -10,798.77 -11,047.38
-31.08 -31.89 -32.71 -33.53 -34.35 -35.17 -36.00
243.70 244.51 245.32 246.14 246.96 247.78 248.61
212.61 212.61 212.61 212.61 212.61 212.61 212.61
46 47 48
Oct Nov Dic
541 553 565
2066 2067 2068
2,025 2,025 2,025 2,025 2,025 2,025 2,025

51 52 53 54 55 56 57
2.81 -0.62 -4.06 -7.50 -10.96 -14.42 -17.90
1,287.93 1,291.36 1,294.79 1,298.24 1,301.69 1,305.16 1,308.63
2,025 2,025 2,025 2,025 2,025 2,025 2,025

54 55 56 57 58 59 60
49 50 51 52 53 54 55
11,683 10,634 9,583 8,529 7,472 6,413 5,350
31.82 29.21 26.59 23.96 21.32 18.68 16.03
1,046.30 1,048.91 1,051.54 1,054.16 1,056.80 1,059.44 1,062.09
1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12
2,025 2,025 2,025 2,025 2,025 2,025 2,025

51 52 53 54 55 56 57
49 50 51 52 53 54 55
-11,296.82 -11,547.09 -11,798.19 -12,050.14 -12,302.92 -12,556.54 -12,811.01
-36.82 -37.66 -38.49 -39.33 -40.17 -41.01 -41.86
249.44 250.27 251.11 251.94 252.78 253.62 254.47
212.61 212.61 212.61 212.61 212.61 212.61 212.61
2,025 2,025 2,025 2,026 2,026 2,026 2,026
58 59 60 61 62 63 64
-21.38 -24.87 -28.38 -31.89 -35.41 -38.94 -42.48
1,312.12 1,315.61 1,319.11 1,322.63 1,326.15 1,329.68 1,333.22
2,026 2,026 2,026 2,026 2,026

Ene Feb Mar Abr May
61 62 63 64 65
56 57 58 59 60
4,286 3,218 2,148 1,075 0
13.38 10.71 8.05 5.37 2.69
1,064.75 1,067.41 1,070.08 1,072.75 1,075.43
1,078.12 1,078.12 1,078.12 1,078.12 1,078.12
2,025 2,025 2,025 2,026 2,026 2,026 2,026

58 59 60 61 62 63 64
56 57 58 59 60 61 62
-13,066.33 -13,322.50 -13,579.52 -13,837.40 -14,096.14 -14,355.75 -14,616.21
-42.70 -43.55 -44.41 -45.27 -46.12 -46.99 -47.85
255.32 256.17 257.02 257.88 258.74 259.60 260.47
212.61 212.61 212.61 212.61 212.61 212.61 212.61
2,026 2,026 2,026 2,026 2,026 2,026 2,026
65 66 67 68 69 70 71
-46.03 -49.59 -50.47 -51.34 -52.22 -53.11 -53.99
1,336.77 262.21 263.08 263.96 264.84 265.72 266.61
2,026 2,026 2,026 2,026 2,026 2,026 2,026

65 66 67 68 69 70 71
63 64 65 66 67 68 69
-14,877.55 -15,139.75 -15,402.84 -15,666.79 -15,931.63 -16,197.35 -16,463.96
-48.72 -49.59 -50.47 -51.34 -52.22 -53.11 -53.99
261.34 262.21 263.08 263.96 264.84 265.72 266.61
212.61 212.61 212.61 212.61 212.61 212.61 212.61
2,026 2,027 2,027 2,027 2,027 2,027 2,027
72 73 74 75 76 77 78
-54.88 -55.77 -56.67 -57.56 -58.46 -59.37 -60.27
267.49 268.39 269.28 270.18 271.08 271.98 272.89
2,026 2,027 2,027 2,027 2,027 2,027 2,027

72 73 74 75 76 77 78
70 71 72 73 74 75 76
-16,731.45 -16,999.84 -17,269.12 -17,539.30 -17,810.38 -18,082.36 -18,355.25
-54.88 -55.77 -56.67 -57.56 -58.46 -59.37 -60.27
267.49 268.39 269.28 270.18 271.08 271.98 272.89
212.61 212.61 212.61 212.61 212.61 212.61 212.61
2,027 2,027 2,027 2,027 2,027 2,027 2,028
79 80 81 82 83 84 85
-61.18 -62.10 -63.01 -63.93 -64.85 -65.78 -66.71
273.80 274.71 275.63 276.55 277.47 278.39 279.32
2,027 2,027 2,027 2,027 2,027 2,027 2,028

79 80 81 82 83 84 85
77 78 79 80 81 82 83
-18,629.05 -18,903.76 -19,179.39 -19,455.93 -19,733.40 -20,011.79 -20,291.11
-61.18 -62.10 -63.01 -63.93 -64.85 -65.78 -66.71
273.80 274.71 275.63 276.55 277.47 278.39 279.32
212.61 212.61 212.61 212.61 212.61 212.61 212.61
2,028 2,028 2,028 2,028 2,028 2,028 2,028
86 87 88 89 90 91 92
-67.64 -68.57 -69.51 -70.45 -71.39 -72.34 -73.29
280.25 281.19 282.12 283.06 284.01 284.95 285.90
2,028 2,028 2,028 2,028 2,028 2,028 2,028

86 87 88 89 90 91 92
84 85 86 87 88 89 90
-20,571.37 -20,852.55 -21,134.67 -21,417.74 -21,701.75 -21,986.70 -22,272.60
-67.64 -68.57 -69.51 -70.45 -71.39 -72.34 -73.29
280.25 281.19 282.12 283.06 284.01 284.95 285.90
212.61 212.61 212.61 212.61 212.61 212.61 212.61
2,028 2,028 2,028 2,028 2,029 2,029 2,029
93 94 95 96 97 98 99
-74.24 -75.20 -76.16 -77.12 -78.09 -79.05 -80.03
286.86 287.81 288.77 289.73 290.70 291.67 292.64
2,028 2,028 2,028 2,028 2,028 2,028 2,028

93 94 95 96 97 98 99
91 92 93 94 95 96 97
-22,559.46 -22,847.27 -23,136.05 -23,425.78 -23,716.48 -24,008.15 -24,300.79
-74.24 -75.20 -76.16 -77.12 -78.09 -79.05 -80.03
286.86 287.81 288.77 289.73 290.70 291.67 292.64
212.61 212.61 212.61 212.61 212.61 212.61 212.61
2,029 2,029 2,029 2,029 2,029 2,029 2,029
100 101 102 103 104 105 106
-81.00 -81.98 -82.96 -83.95 -84.94 -85.93 -86.92
293.62 294.60 295.58 296.56 297.55 298.54 299.54
2,028 2,028 2,028 2,028 2,028 2,028 2,028

100 101 102 103 104 105 106
98 99 100 101 102 103 104
-24,594.41 -24,889.01 -25,184.58 -25,481.15 -25,778.70 -26,077.24 -26,376.78
-81.00 -81.98 -82.96 -83.95 -84.94 -85.93 -86.92
293.62 294.60 295.58 296.56 297.55 298.54 299.54
212.61 212.61 212.61 212.61 212.61 212.61 212.61
2,029 2,029 2,030 2,030 2,030 2,030 2,030
107 108 109 110 111 112 113
-87.92 -88.92 -89.93 -90.94 -91.95 -92.97 -93.98
300.54 301.54 302.54 303.55 304.56 305.58 306.60
2,028 2,028 2,028 2,028 2,028 2,028 2,028

107 108 109 110 111 112 113
105 106 107 108 109 110 111
-26,677.32 -26,978.86 -27,281.40 -27,584.96 -27,889.52 -28,195.10 -28,501.70
-87.92 -88.92 -89.93 -90.94 -91.95 -92.97 -93.98
300.54 301.54 302.54 303.55 304.56 305.58 306.60
212.61 212.61 212.61 212.61 212.61 212.61 212.61
2,030 2,030 2,030 2,030 2,030 2,030 2,030
114 115 116 117 118 119 120
-95.01 -96.03 -97.06 -98.09 -99.13 -100.17 -101.21
307.62 308.65 309.67 310.71 311.74 312.78 313.82
2,028 2,028 2,028 2,028 2,028 2,028 2,028

114 115 116 117 118 119 120
112 113 114 115 116 117 118
-28,809.32 -29,117.97 -29,427.64 -29,738.35 -30,050.09 -30,362.87 -30,676.70
-95.01 -96.03 -97.06 -98.09 -99.13 -100.17 -101.21
307.62 308.65 309.67 310.71 311.74 312.78 313.82
212.61 212.61 212.61 212.61 212.61 212.61 212.61
Mes Operación ……………. Feb Feb Feb
MENU
2,021 2,021 2,021

Feb Mar Abr
2 3 4
0 1 2
Intereses 150.00 147.68
Pago 1,078.12 1,078.12
2,021 2,021 2,021

Feb Mar Abr
2 3 4
0 1 2
Intereses 233.33 231.75
Pago 708.72 708.72
2,021 2,021 2,021

Feb Abr Jun
2 4 6
0 1 2
Pago 5,058.50 5,058.50
1 2 3 4 5
Ene Feb Mar Abr May
2,021
Gtos formal 600
Intereses 1,395
Amortiz 9,386
Neto 48,619
Gtos formal 600
Intereses 2,261
Amortiz 4,826
Neto 62,313
Gtos formal 300
Intereses 334
Amortiz 24,958
Neto 4,408
Suma netos 115,339
2,021 2,021 2,021 2,021 2,021 2,021

5 6 7 8 9 10
3 4 5 6 7 8
57,209 56,274 55,336 54,396 53,454 52,510
145.35 143.02 140.68 138.34 135.99 133.64
932.77 935.10 937.44 939.78 942.13 944.49
1,078.12 1,078.12 1,078.12 1,078.12 1,078.12 1,078.12
2,021 2,021 2,021 2,021 2,021 2,021

5 6 7 8 9 10
3 4 5 6 7 8
68,569.09 68,088.94 67,607.19 67,123.83 66,638.86 66,152.27
230.16 228.56 226.96 225.36 223.75 222.13
478.56 480.15 481.75 483.36 484.97 486.59
708.72 708.72 708.72 708.72 708.72 708.72
2,021 2,021 2,021 2,022

Ago Oct Dic Feb
8 10 12 14
3 4 5 6
15,074.87 10,066.63 5,041.69 0.00
66.89 50.25 33.56 16.81
4,991.61 5,008.25 5,024.94 5,041.69
5,058.50 5,058.50 5,058.50 5,058.50
6 7 8 9 10 11 12
2,021 2,021 2,022

Nov Dic Ene
11 12 13
9 10 11
51,563 50,614 49,662
131.27 128.91 126.53
946.85 949.21 951.59
1,078.12 1,078.12 1,078.12
2,021 2,021 2,022

Nov Dic Ene
11 12 13
9 10 11
65,664.06 65,174.23 64,682.76
220.51 218.88 217.25
488.21 489.84 491.47
708.72 708.72 708.72
13 14 15 16 17 18 19
20 21 22 23 24
Ago Sep Oct Nov Dic
2,019 2,020 2,021
PREST A Nominal 27,000 60,000 60,000
Intereses 450 1,652 2,941
MENU Amortiz 2,946 11,717 23,365
PREST B Nominal 0 2,000 21,000
Intereses 0 65 39
Amortiz 0 138 2,330
PREST C Nominal 200 0 0
Intereses 1 1 0
Amortiz 66 134 0
2,019 2,020 2,021

Nominal 27,200 62,000 81,000
Intereses 452 1,718 2,980
Amortiz 3,012 11,988 25,695
2,022
0
2,875
28,822
0
-71
2,865
0
0
0
2,022
0
2,804
31,687
A B C D
1
2 PREVISIONES DEVOLUCIÓN DEUDA
3 CORTO PLAZO
4 ENTIDAD CONCEDIDO PENDIENTE
5 BANCO 1
6 BANCO 2
7 BANCO 3
8 TOTAL 0.00 0.00
9 LARGO PLAZO
10 ENTIDAD CONCEDIDO PENDIENTE
11 BANCO 1
12 BANCO 2
13 BANCO 3
14 BANCO 4
15 BANCO 5
16 TOTAL 0.00 0.00
17
18 DEUDAS A C/P A REEMBOLSAR DEL a.b. 2,019
19 DEUDAS A CORTO PLAZO POR PRESTAMOS 0
20 CREDITO CORTO PLAZO 0
21 DEVOLUCIÓN DEUDAS EMPRESAS DEL GRUPO 10,000
22 DEUDAS A l/P A REEMBOLSAR DEL a.b. 2,020 2,021
23 PRESTAMOS A LARGO PLAZO 0 0
24 DEVOLUCIÓN DEUDAS EMPRESAS DEL GRUPO 0 0
25
26 CUAD
27 2,018 2,019
28 Antes de NF
29 DEUDA INICIAL 2,000
30 DEVOLUCIÓN DEUDA INICIAL 0
31 VARIACIÓN DEL DESCUENTO
32 NUEVA DEUDA A.1.
33 DEVOLUCIÓN NUEVA DEUDA A.1
34 NUEVA DEUDA A.2.
35 DEVOLUCIÓN NUEVA DEUDA A.2.
36 NUEVA DEUDA A.3.
37 DEVOLUCIÓN NUEVA DEUDA A.3.
38 TOTAL DEUDA 2,000 2,000
39 2,000
E F G H I J
1
A 2
3
4 FECHA VTO. 2,019
5 OTRAS PREVISI
6
7
8 0.00
9
10 FECHA VTO. 2,019 2,020 2,021 2,022
11
12
13
14
15
16 0.00 0.00 0.00 0.00
17
18
19
20
21
22 2,022
23 0
24 0
25
26 CUADRO RESUMEN DEUDA
272,019 2,020 2,021
28 Con NF Antes de NF Con NF Antes de NF Con NF
29
30 0 0
31 443 222 332
32 27,200
33 3,012 5,305 5,328
34 62,000
35 6,684 11,663
36 81,000
37 8,704
38 26,631 21,326 76,865 59,874 132,502
39 26,631 76,865 132,502
K L M
1
2
3
4
OTRAS
5 PREVISIONES
6
7
8
9
10
MENU
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
A B C D E F G H I J
1
2 ESCENARIO NORMAL
3 MENU PRESUPUESTO DE LA EXPLOTACIÓN PRESUPUESTO DE LA TESORERIA GENERADA POR LA EXPLOTACIÓN
4
5 Cifra cont. + IVA + - Total CONCEPTOS 2,019 2,020 2,021
6 Importe neto cifra de negocio 15,681 1,450 2,614 14,518 COBROS
7 Otros ingresos de explotación 0 250 0 250 VENTAS 14,518 22,225 33,340
8 14,768 OTROS INGRESOS 250 0 0
9 TOTAL... 14,768 22,225 33,340
10
11 Compras 40,624 1,540 6,771 35,393 PAGOS
12 Otros gastos de explotación COMPRAS 35,393 298,722 347,369
13 a) Servicios exteriores 341 0 0 341 SERVICIOS EXTERIORES 341 348 355
14 b) Tributos -1,221 0 0 -1,221 TRIBUTOS -1,221 -26,044 -26,349
15 c) Otros gastos de gestión corriente 0 0 OTROS GASTOS DE GESTIÓN CORRIENTE 0 0 0
16 Gastos de personal 0 SUELDOS Y SALARIOS 457 439 381
17 Sueldos y salarios 626 0 169 457 CARGAS SOCIALES -31 -1 -1
18 Cargas sociales 0 0 31 -31 -TEEI -10,000 -10,000 -10,000
19 TEEI -10,000 Tesor. gen. Explot. -10,171 -241,239 -278,416
20 24,939 TOTAL... 14,768 22,225 33,340
21 Tesor. gen. Explot. -10,171 IVA EXPLOTACIÓN -1,332 -28,291 -26,172
22 Año 1 Año 2 Año 3
23 ventas +iva 15,681 23,534 35,301
24 Clientes inicial 1,450 2,614 3,922
25 Clientes final -2,614 -3,922 -5,883 VENTAS 1
26 14,518 22,225 33,340
27 VENTAS 14,518 22,225 33,340
28
29
VENTAS
30
31
40,000
32
35,000
33
34 30,000
35 25,000
36 20,000
37 15,000
38 10,000
39 5,000
40 0
41 2,019 2,020 2,021
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
A B C D E F G H I J K L
1 ESCENARIO NORMAL
2
MENU
3 CONCEPTOS 2,019 2,020 2,021 2,019 2,020 2,021 2,022
4 NECESIDADES AMPLIACION DE CAPITAL 0 0 0
5 INVERSIONES: Importe 0 0 0
6 Adquisicion de Inm. Tangible. 44,000 55,000 66,000 Gtos. de Emisión 0 0 0
7 Adquisicion de Inm. Intangible. 0 0 0
8 Adquisición de Inm. Fin. 10,000 10,000 10,000 PRESTAMO L/P 1 23,334 46,031 33,094
9 Compra de Acciones propias 1,000 1,000 1,000 Importe 27,000 60,000 60,000
10 Inversión Financiera Temporal 0 0 0 Gtos. de Formalización 270 600 600
11 TEEI 10,000 10,000 10,000 Intereses 450 1,652 2,941
12 TOTAL 65,000 76,000 87,000 (Reembolso) 2,946 11,717 23,365 28,822
13 DEVOLUCION DE DEUDAS:
14 Préstamos y otras deudas a c/p 0 PRESTAMO L/P 2 0 1,778 18,421
15 Deudas c/p Ent.Cto.(a.b.) 0 Importe 0 2,000 21,000
16 Préstamos a l/P (a.b.) 0 0 Gtos. de Formalización 0 20 210
17 Devolución deudas emp. Grupo 10,000 0 0 Intereses 0 65 39
18 Otros acreedores 0 0 0 (Reembolso) 0 138 2,330 2,865
19 Administración Pública 0 0 0
20 IVA adq. inmov (-) -3,900 -4,900 -5,900 PRESTAMO C/P - ORDINARIO 131 -135 0
21 Pago G. Financiero a.b. 3,800 3,900 4,000 Importe 200 0 0
22 Dividendos (S/CS ) 0 0 0 Gtos. de Formalización 2 0 0
23 Gastos extraordinarios 0 0 0 Intereses 1 1 0
24 TOTAL 9,900 -1,000 -1,900 (Reembolso) 66 134 0 0
25 TOTAL NECESIDADES 74,900 75,000 85,100
26 PRESTAMO C/P EXTRAORD. 0 0 0
27 RECURSOS INTERNOS Importe 0 0 0
28 Tesorería Gen. por Exp. -10,171 -241,239 -278,416 Gtos. de Formalización 0 0 0
29 Disminución Caja y Bancos 0 0 0 Intereses 0 0 0
30 Venta de Inmov. Mat. e Inmat. 1,100 1,100 1,100 (Reembolso) 0 0
31 Ingreso financiero 0 0 0
32 Venta inversión financiera 1,000 1,000 1,000 VAR. ADIC. DE TES. -53,073 -260,256 -303,589
33 Ingresos extraordinarios 0 0 0
34 TOTAL -8,071 -239,139 -276,316 IVA NO EXPLOTACIÓN
35 COBRO 3,900 4,900 5,900
36 NEC. FIN. EXTERNA 82,971 314,139 361,416 PENDIENTE 0 0 0
37
38 SUBVENCIONES 6,000 6,000 6,000 IVA EXPLOTACIÓN
39 PENDIENTE PAGO -111 -2,358 -2,181
40 RECURSOS EXTERNOS
41 DESCUENTO DE EFECTOS 434 209 312 TOTAL PENDIENTE COBRO -111 -2,358 -2,181
42 Efectos Comerciales finales 443 665 997
43 Efectos Comerciales iniciales 0 443 665
44 Gastos financieros -9 -13 -20
A B C D E F G
1
2
4
5 SUBVENCIONES 2,019 2,020 2,021 PRESTAMO A L/P 1
6 SUBVENCIONES 6,000 6,000 6,000 IMPORTE
7 Nª AÑOS
8 DESCUENTO DE EFECTOS 2,019 2,020 2,021 TIPO DE INTERES
9 TIPO DE DESCUENTO 2% 2% 2% GTOS FORMALIZACIÓN
10 PLAZO DE DESCUENTO (en DÍAS) 60 60 60 Nª PAGOS AL AÑOS
11 LÍMITE 120,000 120,000 120,000
12 PRESTAMO A L/P 2
13 PRESTAMO ORDINARIO A C/P 2,019 2,020 2,021 IMPORTE
14 IMPORTE 30,000 30,000 30,000 Nª AÑOS
15 Nª AÑOS 1 1 1 TIPO DE INTERES
16 TIPO DE INTERES 2% 2% 2% GTOS FORMALIZACIÓN
17 GTOS FORMALIZACIÓN 1.00% 1.00% 1.00% Nª PAGOS AL AÑOS
18 Nª PAGOS AL AÑOS 6 6 6
19 AMPLIACION DE CAPITAL
20 PRESTAMO EXTRAOR. A C/P 2,019 2,020 2,021 PROPORCIÓN(nuevas/viejas)
21 GTOS FORMALIZACIÓN 0.0% 0.0% 0.0% PRECIO DE EMISIÓN
22 TIPO DE INTERES 2% 2% 2% GTOS FORMALIZACIÓN
23
24
25
26
27
28
29
30
31
32
33
34
35
B C D E F G
1
2 ESCENARIO NORMAL
3
4 AÑO 1
5
6 DESCUENTO DE EFECTOS VENTAS A DESCONTAR 20% EFECTIVO 443
7 LIMITE 20,000 NETO 434
8 SUBVENCIÓN IMPORTE 6,000
9 OTRAS FUENTE DE FINANCIACION FINANCIACION MAX. DISPONIBLE FINANCIACION DISPUESTA
10 NOMINAL EFECTIVO % NEC. FIN. NOMINAL MES
11 AMPLIACION CAPITAL 0 0 0.00%
12 PRESTAMO LARGO PLAZO 1 60,000 51,853 67.75% 27,000 May
13 PRESTAMO LARGO PLAZO 2 70,000 62,213 81.28% Feb
14 PRESTAMO CORTO PLAZO 30,000 19,583 25.59% 200 Ago
15 FINANCIACIÓN SIN CUBRIR
16 SOLICITUD DE PREST. 0
17 NECESIDAD DE FIN. EXTERNA 76,537
18
19 AÑO 2
20
25 NOMINAL EFECTIVO % NEC. FIN. NOMINAL
27 PRESTAMO LARGO PLAZO 1 60,000 48,619 15.49% 60,000 Feb
29 PRESTAMO CORTO PLAZO 30,000 4,408 1.40% Ene
31 SOLICITUD DE PREST.
33
34 AÑO 3
35
40 NOMINAL EFECTIVO % NEC. FIN. NOMINAL
44 PRESTAMO CORTO PLAZO 30,000 4,408 1.18% Feb
46 SOLICITUD DE PREST.
H I
1
2
3 MENU
4
5
6
7
8
9 DISPUESTA
FINANCIACION
10 EFECTIVO % NEC. FIN.
11 0 0.00%
12 23,334 30.49%
13 0 0.00%
14 131 0.17%
15 53,073 69.34%
16 0
17 23,464
18
19
20
21
22
23
24 DISPUESTA
FINANCIACION
26 0 0.00%
27 51,853 16.52%
28 1,778 0.57%
29 0 0.00%
30 260,256 82.91%
31 0
32 53,631
33
34
35
36
37
38
39 DISPUESTA
FINANCIACION
41 0 0.00%
42 51,853 13.86%
43 18,664 4.99%
44 0 0.00%
45 303,589 81.15%
46 0
47 70,517
ESCENARIO NORMAL
CONCEPTOS 2,018
Importe neto cifra de negocio 10,433
Variación de prod. Term o en curso 0
Trabajos e. por la empr para su inmov. 0
Aprovisionamientos -9,011
a) Consumo mercaderias -3,191
Compra de mercaderías -3,191
Variación de existencias mercaderías 0
b) Consumos Mat Primas y consumibles -5,820
Compra de otros aprovisionamientos -5,820
Variación de existencias Materias Primas 0
c) Otros costes variables 0
Otros ingresos de explotación 0
Otros gastos de explotación -304
a) Servicios exteriores -304
b) Primas de seguros y Serv. bancarios 0
b) Tributos 0
c) Otros gastos de gestión corriente 0
Gastos de personal -614
a) Sueldos y Salarios -614
b) Cargas Sociales 0
Variación de incobrables 0
Variación por deterioro de existenicas 0
Dotaciones para Amort. Inmovil 0
Resultado neto explotación 504
Importe neto cifra de negocio 1

Importe neto cifra de negocio 10,433
35,000
30,000
25,000
20,000
15,000
10,000
5,000
0
2,018 2,019 2,020
MENU
2,019 2,020 2,021

13,289 19,944 29,916
2,607 43,152 2,667
10,000 10,000 10,000
-37,090 -297,000 -314,000
0 0 0
0 0 0
0 0 0
-7,090 -265,000 -280,000
-6,931 -286,493 -281,250
-159 21,493 1,250
-30,000 -32,000 -34,000
0 0 0
-310 -316 -323
-310 -316 -323
0 0 0
0 0 0
0 0 0
-626 -639 -652
-626 -639 -652
0 0 0
0 0 0
-175 0 0
-816 -1,816 -3,166
-13,122 -226,675 -275,557
13,289 19,944 29,916
2,020 2,021
B C D E F
5 CONCEPTOS 2,018 2,019 2,020 2,021
6 Importe neto cifra de negocio 10,433 13,289 19,944 29,916
7 Variación de prod. Term o en curso 0 2,607 43,152 2,667
8 Trabajos e. por la empr para su inmov. 0 10,000 10,000 10,000
9 Aprovisionamientos -9,011 -37,090 -297,000 -314,000
10 a) Consumo mercaderias -3,191 0 0 0
11 Compra de mercaderías -3,191 0 0 0
12 Variación de existencias mercaderías 0 0 0 0
13 b) Consumos Mat Primas y consumibles -5,820 -7,090 -265,000 -280,000
14 Compra de otros aprovisionamientos -5,820 -6,931 -286,493 -281,250
15 Variación de existencias Materias Primas 0 -159 21,493 1,250
16 c) Otros costes variables 0 -30,000 -32,000 -34,000
17 Otros ingresos de explotación 0 0 0 0
18 Otros gastos de explotación -304 -310 -316 -323
19 a) Servicios exteriores -304 -310 -316 -323
20 b) Primas de seguros y Serv. bancarios 0 0 0 0
21 b) Tributos 0 0 0 0
22 c) Otros gastos de gestión corriente 0 0 0 0
23 Gastos de personal -614 -626 -639 -652
24 a) Sueldos y Salarios -614 -626 -639 -652
25 b) Cargas Sociales 0 0 0 0
26 Variación de incobrables 0 0 0 0
27 Variación por deterioro de existenicas -175 0 0
28 Dotaciones para Amort. Inmovil 0 -816 -1,816 -3,166
29 Resultado neto explotación 504 -13,122 -226,675 -275,557
30 Ingresos otros valores negociables Inmoviliz. 0 0 0 0
31 Otros intereses e ingresos asimilados 0 0 0 0
32 Gastos Financieros -490 -4,533 -6,251 -7,810
33 Por deudas con terceros -490 -4,524 -6,238 -7,790
34 Intereses descuento efectos 0 -9 -13 -20
35 Variación de provisiones financieras 0 0 0 0
36 Rdos financieros -490 -4,533 -6,251 -7,810
37 Plusvalía/minusvalía inmovil. 0 3,000 3,000 3,000
38 Subvenciones capital transferido 0 0 0 0
39 Ingresos extraordinarios 0 0 0 0
40 Gastos extraordinarios 0 0 0 0
41 Rdos extraordinarios positivas 0 3,000 3,000 3,000
42 Resultado actividad ordinaria 14 -14,654 -229,926 -280,368
43 Impuestos -4 0 0 0
44 Beneficio después de impuestos 10 -14,654 -229,926 -280,368
A B C
1
2 MENU ESCENARIO NORMAL
3
4 ACTIVO 2,018 2,019
5 INMOVILIZADO 2,000 63,184
6 Ajustes por descuadre 0 0
7 Inmovilizado inmaterial neto 500 485
8 Inmovilizado inmaterial bruto 750 750
9 Amortizaciones -250 -265
10 Inmovilizado material neto 1,200 51,399
11 Inmovilizado material bruto 2,546 52,546
12 Amortizaciones -1,346 -1,147
13 Inmovilizado financiero 300 10,300
14 Inversiones varias 300 10,300
15 Provisiones 0 0
16 Acciones propias 0 1,000
17 ACTIVO CIRCULANTE 3,850 -45,926
18 Existencias 2,000 4,273
19 Existencias mercaderías 0 0
20 Exsitencias materias primas 750 591
21 Exist. Final pr. Terminado 1,075 3,682
22 Provisiones 175 0
23 Deudores 1,700 2,725
24 Clientes 1,450 2,171
25 Efectos descontados pend. Vto 0 443
26 Deudores varios 250 0
27 Administraciones publicas: I. Sociedades 0 0
28 Administraciones Públicas: IVA 111
29 Provisiones 0 0
30 Inv. Financieras temp. 0 0
31 Tesoreria 150 -52,923
32 Ajustes por periodificación 0 0
33 TOTAL 5,850 17,258
34 0.00000 50.00000
35 PASIVO 2,018 2,019
36 FONDOS PROPIOS 2,310 -6,394
37 Capital 2,250 2,250
38 Reservas 0 10
39 Resultados de ejercicios anteriores 50
40 Pérdidas y ganancias (Beneficio o Pérdida) 10 -14,654
41 INGRESOS A DISTRIBUIR EN VARIOS EJER, 0 6,000
42 Subvenciones da capital 0 6,000
43 PROVISIONES PARA RIESGOS Y GASTOS 0 0
44 ACREEDORES A LARGO PLAZO 1,600 13,800
45 Deudas con entidades de crédito 1,600 13,800
46 Otros acreedores 0 0
47 ACREEDORES A CORTO PLAZO 1,940 9,803
48 Deudas con entidades de crédito 400 12,831
49 Préstamos y otras deudas 350 12,205
50 Créditos C/C 50 184
51 Efectos descontados pend. Vto 0 443
52 Acreedores Comerciales 1,540 -3,229
53 Deudas por compras y prest. Serv. 1,540 6,771
54 Deudas con empresas del grupo 0 -10,000
55 Otras deudas no comerciales 0 201
56 Acreedores por prestación de servicios 0 0
57 Seguridad social 0 31
58 Hacienda Pública: I. Sociedades 0 0
59 Hacienda Pública: Retención 0 163
60 Administraciones Públicas: IVA 0 0
61 Remuneraciones pendientes de pago 0 6
62 TOTAL 5,850 17,208
A B C D E F
1
3
4 Estructura y Solvencia 2,018 2,019 2,020 2,021
5 Autonomía Financiera 0.39 -0.37 2.20 1.56
6 Solvencia a Corto Plazo 1.98 -4.68 -3.15 -6.57
7 Prueba Acida 0.95 -5.12 -4.06 -7.46
8 Liquidez inmediata 0.08 -5.40 -4.15 -7.56
9
10 Rentabilidad 2,018 2,019 2,020 2,021
11 Rentabilidad Económica 4.33% 23.17% 104.45% 84.21%
12 Margen = BAIDI/ Ventas 0.10% -76.17% -1121.52% -911.08%
13 Rotación = Ventas/ ATNM 0.90 -0.30 -0.09 -0.09
14 Rentabilidad Financiera 0.43% 229.18% 99.83% 55.55%
15 r1= Beneficio/ RP 0.43% 229.18% 99.83% 55.55%
16 r3= Gf(1-t)/Pex 10.10% 14.02% 3.63% 3.15%
17 r2= Beneficio + GF (1-t) / RP + PEx. 6.29% -65.93% 215.32% 84.85%
18 (r2-r3) -3.82% -79.95% 211.69% 81.70%
19 APALANCAMIENTO = (r2-r3) Pex / RP -5.85% 295.11% -115.49% -29.29%
20 (r1-r2) -5.85% 295.11% -115.49% -29.29%
21 r1= Margen x Rotación x Solvencia x Apalancamiento 0.43% 229.18% 99.83% 55.55%
22 Margen 0.10% -110.27% -1152.86% -937.18%
23 Rotación 1.78 0.77 -0.19 -0.09
24 Solvencia 1.65 0.73 -0.83 -1.79
25 Apalancamiento 1.53 -3.69 -0.55 -0.36
Análisis del ciclo corto
2,018 Variación 2,019 Variación

Existencias 2,000.00 2,272.50 4,272.50 64,644.17
+Clientes 1,450.00 1,163.50 2,613.50 1,308.82
NBFC 3,450.00 3,436.00 6,886.00 65,952.98
- Proveedores -1,540.00 4,769.35 3,229.35 -51,619.64
NFREx 1,910.00 8,205.35 10,115.35 14,333.34

+ Otros Ac 250.00 -138.99 111.01 2,246.57
- Bancaria c/p -400.00 -12,831.34
- Otros Pc 0.00 -200.76 -200.76 -200.75
NFR 1,760.00 -4,565.74 -2,805.74 2,450.78
+Tesorería 150.00 -53,072.71 -52,922.71 -260,256.14
FR 1,910.00 -57,638.46 -55,728.46 -257,805.36
MENU
2,020 Variación 2,021
68,916.67 3,916.67 72,833.33
3,922.32 1,961.16 5,883.48
72,838.99 5,877.83 78,716.81
-48,390.29 594.46 -47,795.83
24,448.70 6,472.28 30,920.98

2,357.58 -176.55 2,181.03
-26,759.73 -33,084.17
-401.51 -270.77 -672.28
-354.96 -299.48 -654.44
-313,178.85 -303,589.34 -616,768.19
-313,533.82 -303,888.81 -617,422.63

RENTABILIDAD ECONÓMICA 2,018 2,019 2,020
ACTIVO TOTAL 5,850 17,258 -104,614
ATNM 11,554 -43,678 -214,141
Ventas 10,433 13,289 19,944
Beneficio 10 -14,654 -229,926
Gastos financieros 490 4,533 6,251
BAIDI 500 -10,122 -223,675
ROI= BAIDI/ ATNM 4.33% 23.17% 104.45%
Margen = BAIDI/ Ventas 0.10% -76.17% -1121.52%
Rotación = Ventas/ ATNM 0.90 -0.30 -0.09
RENTABILIDAD FINANCIERA 2,018 2,019 2,020

RECURSOS PROPIOS 2,310 -6,394 -230,321
Pasivos total 3,540 23,603 125,656
Exigible a LP 1,600 13,800 50,105
Exigible a CP 1,940 9,803 75,552
RP + Pasivos Exigibles total 5,850 17,208 -104,664

Beneficio 10 -14,654 -229,926
Gastos financieros 490 4,533 6,251
Gastos financieros (1-t) 358 3,309 4,563
BENEFICIO + Gastos financieros (1-t) 368 -11,345 -225,363
r1= Beneficio/ RP 0.43% 229.18% 99.83%
r3= Gf(1-t)/Pex 10.10% 14.02% 3.63%
r2= Beneficio + GF (1-t) / RP + PEx. 6.29% -65.93% 215.32%
(r2-r3) -3.82% -79.95% 211.69%
APALANCAMIENTO = (r2-r3) Pex / RP -5.85% 295.11% -115.49%
(r1-r2) -5.85% 295.11% -115.49%
r1= Margen x Rotación x Solvencia x 0.43% 229.18% 99.83%
Apalancamiento
Margen 0.10% -110.27% -1152.86%
Rotación 1.78 0.77 -0.19
Solvencia 1.65 0.73 -0.83
Apalancamiento 1.53 -3.69 -0.55
2,021
-323,668 MENU
-323,668
29,916
-280,368
7,810
-272,557
84.21%
-911.08%
-0.09
2,021 RENTABILIDAD FINANCIERA 2,018 2,019

-504,688 RECURSOS PROPIOS 2,310 -6,394
180,970 Pasivos Exigibles remunerados 2,000 26,631
99,418 Exigible a LP 1,600 13,800
81,552 Entidades de crédito CORTO PLAZO 400 12,831
Leasing
-323,718 RP + Pasivos Exigibles remunerados 4,310 20,237
-280,368 Beneficio 10 -14,654
7,810 Gastos financieros 490 4,533
5,702 Gastos financieros (1-t) 319 2,946
-274,666 BENEFICIO + Gastos financieros (1-t) 329 -11,708
55.55% r1= Beneficio/ RP 0.43% 229.18%
3.15% r3= Gf(1-t)/PEx* 15.93% 11.06%
84.85% r2= Beneficio + GF (1-t) / RP + PEx*. 7.62% -57.85%
81.70% (r2-r3) -8.30% -68.92%
-29.29% APALANCAMIENTO = (r2-r3) Pex* / RP -7.19% 287.03%
-29.29% (r1-r2) -7.19% 287.03%
55.55% r1= Margen x Rotación x Solvencia x
Apalancamiento
-937.18% Margen 0.10% -110.27%
-0.09 Rotación 1.78 0.77
-1.79 Solvencia 1.65 0.73
-0.36 Apalancamiento 1.53 -3.69
2,020 2,021
-230,321 -504,688
76,865 132,502
50,105 99,418
26,760 33,084
-153,456 -372,186
-229,926 -280,368
6,251 7,810
4,063 5,077
-225,863 -275,291
99.83% 55.55%
5.29% 3.83%
147.18% 73.97%
141.90% 70.13%
-47.36% -18.41%
-47.36% -18.41%
-1152.86% -937.18%
-0.19 -0.09
-0.83 -1.79
-0.55 -0.36
A B C D E F G H I
1
2 ESCENARIO NORMAL PESIMISTA NORMAL OPTIMISTA
3 2
4 PRECIOS VENTA 100.0% 95.0% 100.0% 105.0% MENU
5 VOLUMEN ACTIVIDAD 100.0% 90.0% 100.0% 110.0%
6 COSTE M.PR. 100.0% 105.0% 100.0% 101.0%
7 COSTE GASTOS EXTERNOS 100.0% 105.0% 100.0% 101.0%
8 SALARIOS 100.0% 110.0% 100.0% 103.0%
9
10 CONCEPTOS 2,018 2,019 2,020 2,021 CONCEPTOS 2,019
11 Importe neto cifra de negocio 10,433 13,289 19,944 29,916 COBROS
12 Variación de prod. Term o en curso 0 2,607 43,152 2,667 VENTAS 14,518
13 Trabajos e. por la empr para su inmov. 0 10,000 10,000 10,000 OTROS INGRESOS 250
14 Aprovisionamientos -9,011 -37,090 -297,000 -314,000 TOTAL... 14,768
15 a) Consumo mercaderias -3,191 0 0 0
16 Compra de mercaderías -3,191 0 0 0 PAGOS
17 Variación de existencias mercaderías 0 0 0 0 COMPRAS 35,393
18 b) Consumos Mat Primas y consumibles -5,820 -7,090 -265,000 -280,000 SERVICIOS EXTERIORES 341
19 Compra de otros aprovisionamientos -5,820 -6,931 -286,493 -281,250 TRIBUTOS -1,221
20 Variación de existencias Materias Primas 0 -159 21,493 1,250 OTROS GASTOS DE GESTIÓN CORRIENTE 0
21 c) Otros costes variables 0 -30,000 -32,000 -34,000 SUELDOS Y SALARIOS 457
22 Otros ingresos de explotación 0 0 0 0 CARGAS SOCIALES -31
23 Otros gastos de explotación -304 -310 -316 -323 -TEEI -10,000
24 a) Servicios exteriores -304 -310 -316 -323 Tesor. gen. Explot. -10,171
25 b) Tributos 0 0 0 0 TOTAL... 14,768
26 c) Otros gastos de gestión corriente 0 0 0 0
27 Gastos de personal -614 -626 -639 -652
28 a) Sueldos y Salarios -614 -626 -639 -652
29 b) Cargas Sociales 0 0 0 0
30 Variación de incobrables 0 0 0 0
31 Variación por deterioro de existenicas 0 -175 0 0
32 Dotaciones para Amort. Inmovil 0 -816 -1,816 -3,166
33 Resultado neto explotación 504 -13,122 -226,675 -275,557
J
1
2
3
4
5
6
7
8
9
10 2,020
11
12 22,225
13 0
14 22,225
15
16
17 298,722
18 348
19 -26,044
20 0
21 439
22 -1
23 -10,000
24 -241,239
25 22,225
26
27
28
29
30
31
32
33
BALANCE CORTO 2,018
NOF 2,310
AFN 2,000
ACTIVO NETO 4,310
DEUDA A LARGO 1,600

RRPP + Bº 2,310
TOTAL FINANCIACION 3,910
Caja excedente (+) o Crédito (-) 400
Saldo 0
PREVISIÓN 2009 2,018

Venta prevista 10,433
NOF/VTA 22.14%
2,018
Existencias 2,000.00
+Clientes 1,450.00
NBFC 3,450.00
- Proveedores -1,540.00
NFREx 1,910.00
+ Otros Ac 250.00
- Bancaria c/p -400.00
- Otros Pc 0.00
NFR 1,760.00
+Tesorería 150.00
FR 1,910.00
2,019 2,020 2,021
-42,897 -286,774 -584,338
63,184 133,368 212,202
20,287 -153,406 -372,136
MENU
13,800 50,105 99,418
-6,394 -230,321 -504,688
7,406 -180,216 -405,270
12,881 26,810 33,134
0 0 0
2,019 2,020 2,021

13,289 19,944 29,916
-322.80% -1437.90% -1953.26%
2,019 2,020 2,021

4,272.50 68,916.67 72,833.33
2,613.50 3,922.32 5,883.48
6,886.00 72,838.99 78,716.81
3,229.35 -48,390.29 -47,795.83
10,115.35 24,448.70 30,920.98
111.01 2,357.58 2,181.03
-12,831.34 -26,759.73 -33,084.17
-200.76 -401.51 -672.28
-2,805.74 -354.96 -654.44
-52,922.71 -313,178.85 -616,768.19
-55,728.46 -313,533.82 -617,422.63
MENU

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ENTRADA DE DATOS

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