Debt Safety Snapshot

Problem

When you need to assess whether a company's debt level is high or whether short-term liquidity could become a concern, a full balance sheet is too broad. This skill is for quick debt-risk screening and repayment-capacity checks, returning leverage, interest-bearing debt, liquidity, and cash-flow coverage metrics rather than line-by-line audit details.

Capabilities and Boundaries

Core outputs include tl_current, tl_yoy, tl_ind_avg, and tl_3y_trend for asset-liability ratio context; ibd_rate for interest-bearing debt; current_ratio, quick_ratio, and cash_ratio for short-term solvency; icr for interest coverage; cf_tcl for operating cash flow coverage of total liabilities; and annual series data. Use it by passing a symbol with empty args through the unified runner.

Compare metrics against tl_ind_avg before interpreting levels. Use a company-card skill for general overviews and a statements skill for full reports. Do not conclude "absolutely safe" or "bound to default" from the output alone.