{"id":10323,"date":"2026-09-03T07:30:05","date_gmt":"2026-09-03T07:30:05","guid":{"rendered":"https:\/\/asemovar.com\/asesoria\/?page_id=10323"},"modified":"2026-09-03T07:30:08","modified_gmt":"2026-09-03T07:30:08","slug":"calculadora-de-estres-financiero","status":"publish","type":"page","link":"https:\/\/asemovar.com\/asesoria\/calculadora-de-estres-financiero\/","title":{"rendered":"calculadora de estres financiero"},"content":{"rendered":"\n\n\nDiagn\u00f3stico Financiero | Moreno y Asociados<\/title>\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Playfair+Display:wght@500;600;700&family=Source+Sans+3:wght@400;500;600;700&family=IBM+Plex+Mono:wght@500;600&family=Fraunces:opsz,wght@9..144,400;9..144,500;9..144,600&family=Inter:wght@400;500;600;700&display=swap\" rel=\"stylesheet\">\n\n<style>\n \/* ===== PALETA GLOBAL (selector + calculadora 2, estilo blog Asemovar) ===== *\/\n :root{\n --navy:#0A1F44;\n --navy-2:#123368;\n --gold:#F5A623;\n --blue:#1A56DB;\n --bg:#F6F5F1;\n --card:#FFFFFF;\n --line:#E4E1D6;\n --red:#B0402C;\n --amber:#B8862E;\n --green:#2E7D5B;\n --muted:#5C6270;\n --ink:#101826;\n }\n *{box-sizing:border-box;}\n body{margin:0;background:var(--bg);color:var(--ink);font-family:'Source Sans 3',sans-serif;line-height:1.55;}\n .wrap{max-width:820px;margin:0 auto;padding:0 20px 90px;}\n a{color:inherit;}\n\n \/* ---------- HERO \/ SELECTOR ---------- *\/\n .hero{\n background:linear-gradient(180deg,var(--navy) 0%,var(--navy-2) 100%);\n color:#EEF1F8;\n padding:56px 20px 46px;\n margin-bottom:0;\n }\n .hero-inner{max-width:820px;margin:0 auto;}\n .eyebrow{\n font-family:'IBM Plex Mono',monospace;\n font-size:12px;letter-spacing:.14em;text-transform:uppercase;\n color:var(--gold);font-weight:600;margin:0 0 16px;\n }\n .hero h1{\n font-family:'Playfair Display',serif;\n font-weight:600;\n font-size:clamp(26px,4.2vw,36px);\n line-height:1.2;\n margin:0 0 16px;\n color:#fff;\n }\n .hero p{font-size:15.5px;color:#C9D1E5;max-width:58ch;margin:0 0 6px;}\n .anon-note{\n display:inline-flex;align-items:center;gap:8px;\n margin-top:18px;padding:9px 14px;\n background:rgba(245,166,35,.12);\n border:1px solid rgba(245,166,35,.35);\n border-radius:4px;\n font-size:13px;color:#F3D9A8;\n }\n\n .selector{\n display:grid;grid-template-columns:1fr 1fr;gap:18px;\n margin-top:34px;\n }\n @media (max-width:640px){.selector{grid-template-columns:1fr;}}\n .opt-card{\n background:#0F2851;\n border:1px solid rgba(255,255,255,.12);\n border-radius:6px;\n padding:26px 22px;\n cursor:pointer;\n transition:transform .15s ease, border-color .15s ease, background .15s ease;\n text-align:left;\n }\n .opt-card:hover{transform:translateY(-2px);border-color:var(--gold);background:#123368;}\n .opt-card .tag{\n font-family:'IBM Plex Mono',monospace;font-size:11px;letter-spacing:.08em;\n text-transform:uppercase;color:var(--gold);font-weight:600;margin-bottom:10px;display:block;\n }\n .opt-card h3{font-family:'Playfair Display',serif;font-size:19px;color:#fff;margin:0 0 8px;font-weight:600;}\n .opt-card p{font-size:13.5px;color:#B9C3DA;margin:0 0 14px;}\n .opt-card .go{\n font-size:13px;font-weight:700;color:var(--gold);\n display:inline-flex;align-items:center;gap:6px;\n }\n\n \/* ---------- SECCIONES GENERALES (calculadora 2) ---------- *\/\n section.calc-section{display:none;padding-top:40px;}\n section.calc-section.show{display:block;}\n .back-link{\n display:inline-flex;align-items:center;gap:6px;\n font-size:13.5px;font-weight:600;color:var(--navy-2);\n text-decoration:none;margin-bottom:22px;cursor:pointer;\n }\n .back-link:hover{color:var(--gold);}\n\n .section-title{\n font-family:'Playfair Display',serif;font-weight:600;\n font-size:26px;color:var(--navy);margin:0 0 10px;\n }\n .section-sub{font-size:16px;color:var(--muted);max-width:62ch;margin:0 0 26px;}\n\n .pillrow{display:flex;gap:10px;margin-bottom:26px;flex-wrap:wrap;}\n .pill{\n font-family:'Source Sans 3',sans-serif;font-weight:600;font-size:15px;\n padding:11px 18px;border-radius:30px;border:1px solid var(--line);\n background:#fff;color:var(--muted);cursor:pointer;\n }\n .pill.active{background:var(--navy);border-color:var(--navy);color:#fff;}\n\n .card{background:var(--card);border:1px solid var(--line);border-radius:6px;}\n .group-label{\n font-family:'IBM Plex Mono',monospace;font-size:12.5px;letter-spacing:.08em;\n text-transform:uppercase;color:var(--gold);font-weight:700;\n padding:20px 24px 6px;\n }\n\n .row2{\n display:grid;grid-template-columns:1fr 180px;\n align-items:center;gap:14px;\n padding:16px 24px;border-bottom:1px solid var(--line);\n }\n .row2:last-child{border-bottom:none;}\n .row2 label{font-size:16.5px;color:var(--ink);line-height:1.35;}\n .row2 .code{\n display:inline-block;\n font-family:'IBM Plex Mono',monospace;font-size:13px;font-weight:700;color:var(--navy-2);\n background:#FBF3E2;border:1px solid #EBD8A8;padding:2px 8px;border-radius:3px;margin-right:10px;\n white-space:nowrap;\n }\n .row2 .hint{display:block;font-size:13.5px;color:var(--muted);margin-top:3px;}\n .inputbox{position:relative;display:flex;align-items:center;}\n .inputbox span.unit{position:absolute;left:12px;font-family:'IBM Plex Mono',monospace;font-size:14px;color:var(--muted);}\n input[type=number]{\n width:100%;font-family:'IBM Plex Mono',monospace;font-size:16.5px;\n padding:11px 14px 11px 28px;border:1px solid var(--line);border-radius:4px;\n background:#FAFAF7;color:var(--ink);text-align:right;\n }\n input[type=number]:focus{outline:2px solid var(--blue);outline-offset:1px;background:#fff;}\n @media (max-width:560px){\n .row2{grid-template-columns:1fr;}\n .row2 .inputbox{margin-top:6px;}\n }\n\n .actions{margin:26px 0 0;display:flex;gap:14px;align-items:center;flex-wrap:wrap;}\n button.calc{\n font-family:'Source Sans 3',sans-serif;font-weight:700;font-size:15px;color:#fff;\n background:var(--navy);border:none;padding:14px 30px;border-radius:4px;cursor:pointer;\n }\n button.calc:hover{background:var(--navy-2);}\n .required-note{font-size:12.5px;color:var(--muted);}\n\n \/* resultados calc2 *\/\n .results2{margin-top:40px;display:none;}\n .results2.show{display:block;}\n .stress-head{\n display:flex;justify-content:space-between;align-items:flex-end;\n padding:22px 24px;border-bottom:1px solid var(--line);\n }\n .stress-head .lbl{font-family:'IBM Plex Mono',monospace;font-size:12.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:6px;}\n .stress-head .verdict{font-family:'Playfair Display',serif;font-size:22px;color:var(--navy);}\n .stress-num{font-family:'IBM Plex Mono',monospace;font-size:32px;font-weight:700;text-align:right;color:var(--navy);}\n .stress-num small{font-size:15px;font-weight:500;color:var(--muted);}\n\n .dial2{\n display:grid;grid-template-columns:22px 1fr 160px;gap:14px;align-items:center;\n padding:18px 24px;border-bottom:1px solid var(--line);\n }\n .dial2:last-child{border-bottom:none;}\n .light{width:13px;height:13px;border-radius:50%;margin:0 auto;}\n .light.green{background:var(--green);}\n .light.amber{background:var(--amber);}\n .light.red{background:var(--red);}\n .light.locked{background:repeating-linear-gradient(45deg,var(--muted),var(--muted) 2px,#fff 2px,#fff 4px);opacity:.5;}\n .dial-name{font-size:16px;color:var(--ink);font-weight:600;}\n .dial-detail{display:block;font-size:13.5px;color:var(--muted);margin-top:4px;font-weight:400;}\n .dial-status{font-family:'IBM Plex Mono',monospace;font-size:12.5px;font-weight:700;text-align:right;letter-spacing:.03em;}\n .dial-status.green{color:var(--green);}\n .dial-status.amber{color:var(--amber);}\n .dial-status.red{color:var(--red);}\n .dial-status.locked{color:var(--muted);display:flex;align-items:center;justify-content:flex-end;gap:5px;}\n\n .lockbanner{\n margin-top:0;padding:22px 24px;background:#FBF3E2;\n border-top:2px dashed var(--gold);\n font-size:15.5px;color:var(--navy);line-height:1.5;\n }\n .lockbanner strong{color:var(--red);}\n\n .cta2{margin-top:24px;padding:28px;background:var(--navy);color:#EFEFE9;border-radius:6px;}\n .cta2 p{margin:0 0 16px;font-size:16px;color:#D6DCEC;}\n .cta2 .btnrow{display:flex;gap:12px;flex-wrap:wrap;}\n .cta2 a.primary{font-weight:700;font-size:15px;color:var(--navy);background:var(--gold);padding:13px 22px;border-radius:4px;text-decoration:none;display:inline-block;}\n .cta2 a.secondary{font-weight:700;font-size:15px;color:#EFEFE9;border:1px solid #4B5771;padding:13px 22px;border-radius:4px;text-decoration:none;display:inline-block;}\n\n .privacy2{font-size:12.5px;color:var(--muted);margin:22px 0 0;padding-left:14px;border-left:2px solid var(--line);}\n footer.f2{margin-top:36px;font-size:12px;color:var(--muted);text-align:center;}\n\n \/* ===================================================================== *\/\n \/* ---------- CALCULADORA 1 (estilo original, aislado con prefijo c1-) --- *\/\n \/* ===================================================================== *\/\n .c1-scope{\n --c1-dark:#0B2440; --c1-accent:#123259; --c1-accent-2:#AD8A4E;\n --c1-bg:#F3F5F1; --c1-card:#FFFFFF; --c1-line:#DEDED2;\n --c1-red:#A94432; --c1-amber:#B8862E; --c1-green:#3F7A5C; --c1-muted:#5B6660;\n background:var(--c1-bg);color:var(--c1-dark);font-family:'Inter',sans-serif;\n padding:40px 24px 10px;border-radius:6px;\n }\n .c1-eyebrow{font-family:'IBM Plex Mono',monospace;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--c1-accent-2);font-weight:600;margin:0 0 14px;}\n .c1-scope h2{font-family:'Fraunces',serif;font-weight:500;font-size:clamp(24px,4vw,32px);line-height:1.15;margin:0 0 14px;color:var(--c1-dark);}\n .c1-lede{font-size:15.5px;color:var(--c1-muted);max-width:56ch;margin:0 0 8px;}\n .c1-lede strong{color:var(--c1-dark);}\n .c1-privacy{font-size:13px;color:var(--c1-muted);margin:18px 0 34px;padding-left:14px;border-left:2px solid var(--c1-line);}\n .c1-card{background:var(--c1-card);border:1px solid var(--c1-line);border-radius:2px;}\n .c1-ledger{padding:8px 0;}\n .c1-row{display:grid;grid-template-columns:34px 1fr 168px;align-items:center;gap:16px;padding:16px 28px;border-bottom:1px solid var(--c1-line);}\n .c1-row:last-child{border-bottom:none;}\n .c1-idx{font-family:'IBM Plex Mono',monospace;font-size:13px;color:var(--c1-accent-2);font-weight:600;}\n .c1-row label{font-size:14.5px;color:var(--c1-dark);}\n .c1-row .hint{display:block;font-size:12.5px;color:var(--c1-muted);margin-top:2px;font-weight:400;}\n .c1-inputbox{position:relative;display:flex;align-items:center;}\n .c1-inputbox span.unit{position:absolute;left:12px;font-family:'IBM Plex Mono',monospace;font-size:13px;color:var(--c1-muted);pointer-events:none;}\n .c1-inputbox.pct span.unit{left:auto;right:12px;}\n .c1-scope input[type=number]{width:100%;font-family:'IBM Plex Mono',monospace;font-size:15px;padding:9px 12px 9px 26px;border:1px solid var(--c1-line);border-radius:2px;background:#FAFAF7;color:var(--c1-dark);text-align:right;}\n .c1-inputbox.pct input{padding:9px 26px 9px 12px;}\n .c1-scope input[type=number]:focus{outline:2px solid var(--c1-accent);outline-offset:1px;background:#fff;}\n .c1-actions{margin:28px 0 0;display:flex;gap:14px;align-items:center;flex-wrap:wrap;}\n button.c1-calc{font-family:'Inter',sans-serif;font-weight:600;font-size:15px;color:#fff;background:var(--c1-accent);border:none;padding:14px 28px;border-radius:2px;cursor:pointer;transition:background .15s ease;}\n button.c1-calc:hover{background:#264d43;}\n .c1-required-note{font-size:12.5px;color:var(--c1-muted);}\n #c1results{margin-top:36px;display:none;}\n #c1results.show{display:block;}\n .c1-score-head{display:flex;justify-content:space-between;align-items:flex-end;padding:24px 28px 20px;border-bottom:1px solid var(--c1-line);}\n .c1-score-head .label{font-family:'IBM Plex Mono',monospace;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--c1-accent-2);font-weight:600;margin-bottom:6px;}\n .c1-score-head .verdict{font-family:'Fraunces',serif;font-size:22px;color:var(--c1-dark);}\n .c1-score-num{font-family:'IBM Plex Mono',monospace;font-size:34px;font-weight:600;text-align:right;}\n .c1-score-num small{font-size:15px;font-weight:500;color:var(--c1-muted);}\n .c1-dials{padding:8px 0;}\n .c1-dial-row{display:grid;grid-template-columns:22px 1fr 96px;gap:16px;align-items:center;padding:16px 28px;border-bottom:1px solid var(--c1-line);}\n .c1-dial-row:last-child{border-bottom:none;}\n .c1-light{width:12px;height:12px;border-radius:50%;margin:0 auto;}\n .c1-light.green{background:var(--c1-green);}\n .c1-light.amber{background:var(--c1-amber);}\n .c1-light.red{background:var(--c1-red);}\n .c1-dial-name{font-size:14.5px;color:var(--c1-dark);font-weight:500;}\n .c1-dial-detail{display:block;font-size:12.5px;color:var(--c1-muted);margin-top:3px;font-weight:400;}\n .c1-dial-status{font-family:'IBM Plex Mono',monospace;font-size:12px;font-weight:600;text-align:right;letter-spacing:.04em;}\n .c1-dial-status.green{color:var(--c1-green);}\n .c1-dial-status.amber{color:var(--c1-amber);}\n .c1-dial-status.red{color:var(--c1-red);}\n .c1-alert-banner{\n margin:0;padding:16px 28px;font-size:14px;font-weight:600;\n display:none;align-items:center;gap:10px;\n }\n .c1-alert-banner.show{display:flex;}\n .c1-alert-banner.amber{background:#FBF0DD;color:#8A5F1E;border-bottom:1px solid var(--c1-line);}\n .c1-alert-banner.red{background:#F6E3DE;color:#7C2D1C;border-bottom:1px solid var(--c1-line);animation:c1pulse 1.8s ease-in-out infinite;}\n @keyframes c1pulse{0%,100%{box-shadow:inset 0 0 0 0 rgba(169,68,50,0);}50%{box-shadow:inset 0 0 0 2px rgba(169,68,50,.35);}}\n .c1-cta{margin-top:0;padding:28px;background:var(--c1-dark);color:#EFEFE9;border-radius:0 0 2px 2px;}\n .c1-cta p{margin:0 0 16px;font-size:15px;color:#D9DED8;}\n .c1-cta .btnrow{display:flex;gap:12px;flex-wrap:wrap;}\n .c1-cta a.primary{font-weight:600;font-size:14.5px;color:var(--c1-dark);background:#EFEFE9;padding:12px 22px;border-radius:2px;text-decoration:none;display:inline-block;}\n .c1-cta a.secondary{font-weight:600;font-size:14.5px;color:#EFEFE9;border:1px solid #4B5750;padding:12px 22px;border-radius:2px;text-decoration:none;display:inline-block;}\n @media (max-width:560px){\n .c1-row{grid-template-columns:24px 1fr;grid-template-areas:\"i l\" \". n\";}\n .c1-row .c1-idx{grid-area:i;}\n .c1-row label{grid-area:l;}\n .c1-row .c1-inputbox{grid-area:n;margin-top:8px;}\n .c1-dial-row{grid-template-columns:16px 1fr;grid-template-areas:\"d n\" \". s\";row-gap:4px;}\n .c1-dial-row .c1-light{grid-area:d;}\n .c1-dial-row .c1-dial-name{grid-area:n;}\n .c1-dial-row .c1-dial-status{grid-area:s;text-align:left;}\n .c1-score-head{flex-direction:column;align-items:flex-start;gap:10px;}\n .c1-score-num{text-align:left;}\n }\n<\/style>\n\n<!-- ============================================================ -->\n<!-- SELECTOR -->\n<!-- ============================================================ -->\n<div class=\"hero\" id=\"selectorView\">\n <div class=\"hero-inner\">\n <p class=\"eyebrow\">Moreno y Asociados \u00b7 Diagn\u00f3stico financiero<\/p>\n <h1>\u00bfCu\u00e1nta tensi\u00f3n financiera tiene su empresa hoy?<\/h1>\n <p>Elija c\u00f3mo quiere hacer el diagn\u00f3stico. Los dos son gratuitos y el c\u00e1lculo se hace en su navegador.<\/p>\n <p>No pedimos nombre de empresa ni CIF: solo cifras, y no se guardan ni se env\u00edan a ning\u00fan servidor.<\/p>\n <span class=\"anon-note\">🔒 100% an\u00f3nimo \u2014 ning\u00fan dato sale de su navegador<\/span>\n\n <div class=\"selector\">\n <div class=\"opt-card\" onclick=\"showView('calc1')\">\n <span class=\"tag\">Opci\u00f3n r\u00e1pida<\/span>\n <h3>C\u00e1lculo expr\u00e9s<\/h3>\n <p>7 datos aproximados, 2 minutos. Ideal si no tiene el balance a mano ahora mismo.<\/p>\n <span class=\"go\">Empezar \u2192<\/span>\n <\/div>\n <div class=\"opt-card\" onclick=\"showView('calc2')\">\n <span class=\"tag\">Opci\u00f3n completa<\/span>\n <h3>Diagn\u00f3stico con su balance<\/h3>\n <p>Use su Balance de Sumas y Saldos. M\u00e1s preciso: detecta hasta 6 puntos de estr\u00e9s reales de su empresa.<\/p>\n <span class=\"go\">Empezar \u2192<\/span>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n<div class=\"wrap\">\n\n<!-- ============================================================ -->\n<!-- CALCULADORA 1 -->\n<!-- ============================================================ -->\n<section class=\"calc-section\" id=\"calc1\">\n <span class=\"back-link\" onclick=\"showView('selector')\">\u2190 Volver a elegir<\/span>\n\n <div class=\"c1-scope\">\n <p class=\"c1-eyebrow\">C\u00e1lculo expr\u00e9s \u00b7 datos aproximados<\/p>\n <h2>\u00bfCu\u00e1ntos puntos de estr\u00e9s financiero tiene su empresa hoy?<\/h2>\n <p class=\"c1-lede\">Ocho datos num\u00e9ricos, dos minutos. <strong>Nada se guarda ni se env\u00eda<\/strong>: el c\u00e1lculo se hace en su propio navegador. Al final le decimos, con criterio de consultor financiero, si hay algo que conviene revisar con urgencia.<\/p>\n\n <form id=\"calcForm\" class=\"c1-card c1-ledger\" autocomplete=\"off\">\n <div class=\"c1-row\">\n <span class=\"c1-idx\">01<\/span>\n <label for=\"fact\">Facturaci\u00f3n anual aproximada<span class=\"hint\">Ventas totales del \u00faltimo ejercicio cerrado<\/span><\/label>\n <div class=\"c1-inputbox\"><span class=\"unit\">\u20ac<\/span><input required type=\"number\" min=\"0\" step=\"1\" id=\"fact\" name=\"fact\" inputmode=\"numeric\"><\/div>\n <\/div>\n <div class=\"c1-row\">\n <span class=\"c1-idx\">02<\/span>\n <label for=\"ebitda\">EBITDA o beneficio operativo aproximado<span class=\"hint\">Antes de intereses, impuestos y amortizaciones<\/span><\/label>\n <div class=\"c1-inputbox\"><span class=\"unit\">\u20ac<\/span><input required type=\"number\" step=\"1\" id=\"ebitda\" name=\"ebitda\" inputmode=\"numeric\"><\/div>\n <\/div>\n <div class=\"c1-row\">\n <span class=\"c1-idx\">03<\/span>\n <label for=\"intereses\">Intereses que paga al a\u00f1o<span class=\"hint\">Por pr\u00e9stamos, p\u00f3lizas u otra deuda financiera<\/span><\/label>\n <div class=\"c1-inputbox\"><span class=\"unit\">\u20ac<\/span><input required type=\"number\" min=\"0\" step=\"1\" id=\"intereses\" name=\"intereses\" inputmode=\"numeric\"><\/div>\n <\/div>\n <div class=\"c1-row\">\n <span class=\"c1-idx\">04<\/span>\n <label for=\"diascobro\">D\u00edas medios en que le pagan sus clientes<span class=\"hint\">Desde que factura hasta que cobra<\/span><\/label>\n <div class=\"c1-inputbox\"><span class=\"unit\">d\u00edas<\/span><input required type=\"number\" min=\"0\" step=\"1\" id=\"diascobro\" name=\"diascobro\" inputmode=\"numeric\"><\/div>\n <\/div>\n <div class=\"c1-row\">\n <span class=\"c1-idx\">05<\/span>\n <label for=\"diaspago\">D\u00edas medios en que paga a sus proveedores<span class=\"hint\">Desde que recibe la factura hasta que la abona<\/span><\/label>\n <div class=\"c1-inputbox\"><span class=\"unit\">d\u00edas<\/span><input required type=\"number\" min=\"0\" step=\"1\" id=\"diaspago\" name=\"diaspago\" inputmode=\"numeric\"><\/div>\n <\/div>\n <div class=\"c1-row\">\n <span class=\"c1-idx\">06<\/span>\n <label for=\"tesoreria\">Dinero disponible ahora mismo en cuenta<span class=\"hint\">Tesorer\u00eda real, no lo pendiente de cobrar<\/span><\/label>\n <div class=\"c1-inputbox\"><span class=\"unit\">\u20ac<\/span><input required type=\"number\" min=\"0\" step=\"1\" id=\"tesoreria\" name=\"tesoreria\" inputmode=\"numeric\"><\/div>\n <\/div>\n <div class=\"c1-row\">\n <span class=\"c1-idx\">07<\/span>\n <label for=\"dependencia\">Peso de su cliente m\u00e1s grande<span class=\"hint\">Porcentaje de su facturaci\u00f3n total<\/span><\/label>\n <div class=\"c1-inputbox pct\"><span class=\"unit\">%<\/span><input required type=\"number\" min=\"0\" max=\"100\" step=\"1\" id=\"dependencia\" name=\"dependencia\" inputmode=\"numeric\"><\/div>\n <\/div>\n\n <div style=\"padding:18px 28px 24px;\">\n <div class=\"c1-actions\">\n <button type=\"submit\" class=\"c1-calc\">Calcular mis puntos de estr\u00e9s<\/button>\n <span class=\"c1-required-note\">Solo cifras aproximadas \u2014 no hace falta el balance delante<\/span>\n <\/div>\n <\/div>\n <\/form>\n\n <div id=\"c1results\">\n <div class=\"c1-card\">\n <div class=\"c1-score-head\">\n <div>\n <div class=\"label\">Resultado<\/div>\n <div class=\"verdict\" id=\"verdictText\">\u2014<\/div>\n <\/div>\n <div class=\"c1-score-num\"><span id=\"scoreNum\">0<\/span><small> \/ 4 puntos de estr\u00e9s<\/small><\/div>\n <\/div>\n <div class=\"c1-alert-banner\" id=\"alertBanner\"><\/div>\n <div class=\"c1-dials\" id=\"dialsList\"><\/div>\n <div class=\"c1-cta\">\n <p id=\"ctaText\">Estos cuatro indicadores son el punto de partida de cualquier diagn\u00f3stico serio.<\/p>\n <div class=\"btnrow\">\n <a class=\"primary\" href=\"https:\/\/asemovar.com\/asesoria\/contacto\/\">Quiero una valoraci\u00f3n sin compromiso<\/a>\n <a class=\"secondary\" href=\"tel:+34928980711\">Llamar al 928 98 07 11<\/a>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n <p class=\"c1-privacy\">Este c\u00e1lculo es orientativo y se basa en cuatro indicadores financieros est\u00e1ndar (cobertura de intereses, desfase de cobro-pago, colch\u00f3n de tesorer\u00eda y dependencia de cliente). No sustituye un diagn\u00f3stico financiero completo. En Moreno y Asociados ofrecemos una primera valoraci\u00f3n orientativa de estos resultados sin compromiso; el an\u00e1lisis detallado con el balance real de su empresa forma parte de nuestro servicio de asesor\u00eda.<\/p>\n <footer class=\"f2\">Moreno y Asociados \u2014 Asesor\u00eda fiscal, laboral, contable, jur\u00eddica y consultor\u00eda empresarial para pymes \u00b7 consultoria@asemovar.com \u00b7 Las Palmas de Gran Canaria<\/footer>\n <\/div>\n<\/section>\n\n<!-- ============================================================ -->\n<!-- CALCULADORA 2 -->\n<!-- ============================================================ -->\n<section class=\"calc-section\" id=\"calc2\">\n <span class=\"back-link\" onclick=\"showView('selector')\">\u2190 Volver a elegir<\/span>\n <p class=\"eyebrow\" style=\"color:var(--gold-2,var(--navy-2));\">Diagn\u00f3stico con balance<\/p>\n <h2 class=\"section-title\">Diagn\u00f3stico financiero a partir de su Balance de Sumas y Saldos<\/h2>\n <p class=\"section-sub\">Cuantos m\u00e1s datos aporte, m\u00e1s puntos de estr\u00e9s reales de su empresa detectamos. No se pide nombre, CIF ni ning\u00fan dato identificativo \u2014 solo cifras, y el c\u00e1lculo se hace en su navegador.<\/p>\n\n <div class=\"pillrow\">\n <button type=\"button\" class=\"pill active\" id=\"pillAvanzado\" onclick=\"setModo2('avanzado')\">Cuentas contables (3 d\u00edgitos)<\/button>\n <button type=\"button\" class=\"pill\" id=\"pillBasico\" onclick=\"setModo2('basico')\">Datos b\u00e1sicos del balance<\/button>\n <\/div>\n\n <form id=\"calc2Form\" autocomplete=\"off\">\n\n <!-- ---- MODO B\u00c1SICO ---- -->\n <div id=\"bloqueBasico\" class=\"card\" style=\"display:none;\">\n <div class=\"group-label\">Balance<\/div>\n <div class=\"row2\"><label for=\"b_anc\">Activo No Corriente (ANC)<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" min=\"0\" step=\"1\" id=\"b_anc\" class=\"b2\"><\/div><\/div>\n <div class=\"row2\"><label for=\"b_ac\">Activo Corriente (AC)<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" min=\"0\" step=\"1\" id=\"b_ac\" class=\"b2\"><\/div><\/div>\n <div class=\"row2\"><label for=\"b_pn\">Patrimonio Neto (PN)<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" step=\"1\" id=\"b_pn\" class=\"b2\"><\/div><\/div>\n <div class=\"row2\"><label for=\"b_pnc\">Pasivo No Corriente (PNC)<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" min=\"0\" step=\"1\" id=\"b_pnc\" class=\"b2\"><\/div><\/div>\n <div class=\"row2\"><label for=\"b_pc\">Pasivo Corriente (PC)<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" min=\"0\" step=\"1\" id=\"b_pc\" class=\"b2\"><\/div><\/div>\n <div class=\"group-label\">Cuenta de explotaci\u00f3n<\/div>\n <div class=\"row2\"><label for=\"b_ventas\">Cifra de ventas anual<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" min=\"0\" step=\"1\" id=\"b_ventas\" class=\"b2\"><\/div><\/div>\n <div class=\"row2\"><label for=\"b_ebitda\">EBITDA aproximado<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" step=\"1\" id=\"b_ebitda\" class=\"b2\"><\/div><\/div>\n <div class=\"row2\"><label for=\"b_gf\">Gastos financieros (intereses)<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" min=\"0\" step=\"1\" id=\"b_gf\" class=\"b2\"><\/div><\/div>\n <div class=\"group-label\">Ciclo de caja<\/div>\n <div class=\"row2\"><label for=\"b_clientes\">Saldo de Clientes (pendiente de cobro)<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" min=\"0\" step=\"1\" id=\"b_clientes\" class=\"b2\"><\/div><\/div>\n <div class=\"row2\"><label for=\"b_proveedores\">Saldo de Proveedores (pendiente de pago)<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" min=\"0\" step=\"1\" id=\"b_proveedores\" class=\"b2\"><\/div><\/div>\n <\/div>\n\n <!-- ---- MODO AVANZADO (cuentas 3 d\u00edgitos) ---- -->\n <div id=\"bloqueAvanzado\" class=\"card\">\n <div class=\"group-label\">Activo<\/div>\n <div class=\"row2\"><label><span class=\"code\">Grupo 2 \u00b7 200-299<\/span>Activo No Corriente total<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" min=\"0\" step=\"1\" id=\"a_anc\" class=\"b2\"><\/div><\/div>\n <div class=\"row2\"><label><span class=\"code\">Grupo 3 \u00b7 300-399<\/span>Existencias<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" min=\"0\" step=\"1\" id=\"a_exist\" class=\"b2\"><\/div><\/div>\n <div class=\"row2\"><label><span class=\"code\">Cuentas 430-436<\/span>Clientes<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" min=\"0\" step=\"1\" id=\"a_clientes\" class=\"b2\"><\/div><\/div>\n <div class=\"row2\"><label><span class=\"code\">Cuentas 570-576<\/span>Tesorer\u00eda (caja y bancos)<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" min=\"0\" step=\"1\" id=\"a_tesoreria\" class=\"b2\"><\/div><\/div>\n <div class=\"row2\"><label><span class=\"code\">Cuentas 440-449 \/ 460-469<\/span>Otro Activo Corriente (otros deudores)<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" min=\"0\" step=\"1\" id=\"a_otroac\" class=\"b2\"><\/div><\/div>\n\n <div class=\"group-label\">Patrimonio Neto y Pasivo<\/div>\n <div class=\"row2\"><label><span class=\"code\">Cuentas 100-129<\/span>Patrimonio Neto total<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" step=\"1\" id=\"a_pn\" class=\"b2\"><\/div><\/div>\n <div class=\"row2\"><label><span class=\"code\">Cuentas 170-180<\/span>Deudas a largo plazo<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" min=\"0\" step=\"1\" id=\"a_pnc\" class=\"b2\"><\/div><\/div>\n <div class=\"row2\"><label><span class=\"code\">Cuentas 400-406<\/span>Proveedores<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" min=\"0\" step=\"1\" id=\"a_proveedores\" class=\"b2\"><\/div><\/div>\n <div class=\"row2\"><label><span class=\"code\">Cuentas 520-527<\/span>Deuda financiera a corto plazo<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" min=\"0\" step=\"1\" id=\"a_deudacp\" class=\"b2\"><\/div><\/div>\n <div class=\"row2\"><label><span class=\"code\">Cuentas 410-419 \/ 475-476<\/span>Otro Pasivo Corriente (HP, SS, otros acreedores)<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" min=\"0\" step=\"1\" id=\"a_otropc\" class=\"b2\"><\/div><\/div>\n\n <div class=\"group-label\">P\u00e9rdidas y ganancias<\/div>\n <div class=\"row2\"><label><span class=\"code\">Cuentas 700-709<\/span>Ventas \/ Cifra de negocio<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" min=\"0\" step=\"1\" id=\"a_ventas\" class=\"b2\"><\/div><\/div>\n <div class=\"row2\"><label><span class=\"code\">Cuentas 600-609<\/span>Compras<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" min=\"0\" step=\"1\" id=\"a_compras\" class=\"b2\"><\/div><\/div>\n <div class=\"row2\"><label><span class=\"code\">Cuentas 640-649<\/span>Gastos de personal<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" min=\"0\" step=\"1\" id=\"a_personal\" class=\"b2\"><\/div><\/div>\n <div class=\"row2\"><label><span class=\"code\">Cuentas 620-629<\/span>Otros gastos de explotaci\u00f3n<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" min=\"0\" step=\"1\" id=\"a_otrosgastos\" class=\"b2\"><\/div><\/div>\n <div class=\"row2\"><label><span class=\"code\">Cuentas 660-669<\/span>Gastos financieros<\/label><div class=\"inputbox\"><span class=\"unit\">\u20ac<\/span><input type=\"number\" min=\"0\" step=\"1\" id=\"a_gf\" class=\"b2\"><\/div><\/div>\n <\/div>\n\n <div class=\"actions\">\n <button type=\"submit\" class=\"calc\">Calcular mi diagn\u00f3stico<\/button>\n <span class=\"required-note\">Solo rellene los campos de los que tenga la cifra a mano<\/span>\n <\/div>\n <\/form>\n\n <div class=\"results2\" id=\"results2\">\n <div class=\"card\">\n <div class=\"stress-head\">\n <div><div class=\"lbl\">Resultado<\/div><div class=\"verdict\" id=\"verdict2\">\u2014<\/div><\/div>\n <div class=\"stress-num\"><span id=\"scoreNum2\">0<\/span><small id=\"scoreTotal2\"> \/ 5 puntos de estr\u00e9s<\/small><\/div>\n <\/div>\n <div id=\"dialsList2\"><\/div>\n <div class=\"lockbanner\" id=\"lockBanner\"><\/div>\n <div class=\"cta2\">\n <p>Los indicadores bloqueados est\u00e1n calculados, pero solo se los explicamos en detalle en una reuni\u00f3n: qu\u00e9 los provoca, cu\u00e1nto le puede costar no corregirlos y qu\u00e9 har\u00edamos primero.<\/p>\n <div class=\"btnrow\">\n <a class=\"primary\" href=\"https:\/\/asemovar.com\/asesoria\/contacto\/\">Quiero ver mi diagn\u00f3stico completo<\/a>\n <a class=\"secondary\" href=\"tel:+34928980711\">Llamar al 928 98 07 11<\/a>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n <p class=\"privacy2\">C\u00e1lculo orientativo realizado enteramente en su navegador a partir de las cifras que usted introduce; no se env\u00edan ni almacenan datos, y no se solicita ning\u00fan dato identificativo de la empresa. No sustituye una auditor\u00eda ni un an\u00e1lisis con la contabilidad anal\u00edtica interna.<\/p>\n <footer class=\"f2\">Moreno y Asociados \u2014 Asesor\u00eda fiscal, laboral, contable, jur\u00eddica y consultor\u00eda empresarial para pymes \u00b7 consultoria@asemovar.com \u00b7 Las Palmas de Gran Canaria<\/footer>\n<\/section>\n\n<\/div>\n\n<script>\n\/* ============ NAVEGACI\u00d3N ENTRE VISTAS ============ *\/\nfunction showView(view){\n document.getElementById('selectorView').style.display = (view==='selector') ? 'block' : 'none';\n document.getElementById('calc1').classList.toggle('show', view==='calc1');\n document.getElementById('calc2').classList.toggle('show', view==='calc2');\n window.scrollTo({top:0, behavior:'smooth'});\n}\n\n\/* ============ CALCULADORA 1 ============ *\/\ndocument.getElementById('calcForm').addEventListener('submit', function(e){\n e.preventDefault();\n\n const fact = parseFloat(document.getElementById('fact').value) || 0;\n const ebitda = parseFloat(document.getElementById('ebitda').value) || 0;\n const intereses = parseFloat(document.getElementById('intereses').value) || 0;\n const diascobro = parseFloat(document.getElementById('diascobro').value) || 0;\n const diaspago = parseFloat(document.getElementById('diaspago').value) || 0;\n const tesoreria = parseFloat(document.getElementById('tesoreria').value) || 0;\n const dependencia = parseFloat(document.getElementById('dependencia').value) || 0;\n\n let cobertura, coberturaStatus, coberturaDetail;\n if (intereses <= 0) {\n coberturaStatus = 'green';\n coberturaDetail = 'Sin deuda financiera con coste relevante detectada.';\n } else {\n cobertura = ebitda \/ intereses;\n if (cobertura >= 4) coberturaStatus = 'green';\n else if (cobertura >= 2) coberturaStatus = 'amber';\n else coberturaStatus = 'red';\n const pct = Math.max(0, Math.min(100, Math.round((cobertura\/4)*100)));\n coberturaDetail = coberturaStatus==='red'\n ? 'Su EBITDA solo cubre el ' + pct + '% del nivel de intereses que se considera seguro.'\n : 'Su EBITDA cubre ' + cobertura.toFixed(1) + ' veces sus intereses anuales.';\n }\n\n const desfase = diascobro - diaspago;\n let desfaseStatus;\n if (desfase <= 15) desfaseStatus = 'green';\n else if (desfase <= 45) desfaseStatus = 'amber';\n else desfaseStatus = 'red';\n const desfaseDetail = desfase >= 0\n ? (desfaseStatus==='red'\n ? 'Financia de su bolsillo ' + desfase.toFixed(0) + ' d\u00edas de diferencia entre cobrar y pagar: muy por encima de lo recomendable.'\n : 'Financia ' + desfase.toFixed(0) + ' d\u00edas de diferencia entre cobrar y pagar.')\n : 'Cobra ' + Math.abs(desfase).toFixed(0) + ' d\u00edas antes de tener que pagar: posici\u00f3n favorable.';\n\n const facMensual = fact \/ 12;\n let colchon, colchonStatus;\n if (facMensual <= 0) { colchon = 0; colchonStatus = 'amber'; }\n else {\n colchon = tesoreria \/ facMensual;\n if (colchon >= 1) colchonStatus = 'green';\n else if (colchon >= 0.5) colchonStatus = 'amber';\n else colchonStatus = 'red';\n }\n const colchonPct = Math.max(0, Math.min(100, Math.round(colchon*100)));\n const colchonDetail = colchonStatus==='red'\n ? 'Su caja actual cubre solo el ' + colchonPct + '% de un mes de facturaci\u00f3n.'\n : 'Su caja actual equivale a ' + colchon.toFixed(1) + ' meses de facturaci\u00f3n.';\n\n let depStatus;\n if (dependencia < 20) depStatus = 'green';\n else if (dependencia <= 35) depStatus = 'amber';\n else depStatus = 'red';\n const depDetail = depStatus==='red'\n ? 'El ' + dependencia.toFixed(0) + '% de su facturaci\u00f3n depende de un \u00fanico cliente: si ese cliente falla, la empresa entra en riesgo inmediato.'\n : dependencia.toFixed(0) + '% de su facturaci\u00f3n depende de un \u00fanico cliente.';\n\n const dials = [\n { name: 'Cobertura de intereses', status: coberturaStatus, detail: coberturaDetail },\n { name: 'Desfase entre cobro y pago', status: desfaseStatus, detail: desfaseDetail },\n { name: 'Colch\u00f3n de tesorer\u00eda', status: colchonStatus, detail: colchonDetail },\n { name: 'Dependencia de un cliente', status: depStatus, detail: depDetail }\n ];\n\n const weight = { green: 0, amber: 0.5, red: 1 };\n let score = dials.reduce((s, d) => s + weight[d.status], 0);\n score = Math.round(score * 2) \/ 2;\n const stressPct = Math.round((score\/4)*100);\n const redCount = dials.filter(d=>d.status==='red').length;\n\n let verdict, ctaText, bannerClass='', bannerHTML='';\n if (score <= 1) {\n verdict = 'Estructura financiera s\u00f3lida';\n ctaText = 'Sus indicadores no muestran tensi\u00f3n relevante hoy. Aun as\u00ed, una segunda mirada externa suele encontrar recorrido de mejora que no se ve desde dentro.';\n } else if (score <= 2.5) {\n verdict = 'Puntos de atenci\u00f3n a vigilar';\n ctaText = 'El ' + stressPct + '% de sus indicadores clave est\u00e1 mostrando tensi\u00f3n. No es una emergencia hoy, pero suele serlo dentro de unos meses si nadie lo revisa antes.';\n bannerClass = 'amber';\n bannerHTML = '⚠️ ' + stressPct + '% de sus indicadores en zona de vigilancia.';\n } else {\n verdict = 'Tensi\u00f3n financiera real';\n ctaText = 'El ' + stressPct + '% de sus indicadores muestra presi\u00f3n real sobre su empresa' + (redCount>0 ? (', con ' + redCount + ' de ellos en nivel cr\u00edtico') : '') + '. Este patr\u00f3n es, casi siempre, el que precede a problemas de caja serios. Le recomendamos hablar con nosotros esta misma semana.';\n bannerClass = 'red';\n bannerHTML = '🔴 Alerta: ' + stressPct + '% de sus indicadores en riesgo' + (redCount>0 ? (', ' + redCount + ' en nivel cr\u00edtico') : '') + '.';\n }\n\n document.getElementById('scoreNum').textContent = score;\n document.getElementById('verdictText').textContent = verdict;\n document.getElementById('ctaText').textContent = ctaText;\n\n const banner = document.getElementById('alertBanner');\n banner.className = 'c1-alert-banner';\n if (bannerClass){ banner.classList.add(bannerClass, 'show'); banner.textContent = bannerHTML; }\n else { banner.classList.remove('show'); banner.textContent = ''; }\n\n const list = document.getElementById('dialsList');\n list.innerHTML = '';\n dials.forEach(function(d){\n const row = document.createElement('div');\n row.className = 'c1-dial-row';\n row.innerHTML =\n '<span class=\"c1-light ' + d.status + '\"><\/span>' +\n '<span class=\"c1-dial-name\">' + d.name + '<span class=\"c1-dial-detail\">' + d.detail + '<\/span><\/span>' +\n '<span class=\"c1-dial-status ' + d.status + '\">' + (d.status === 'green' ? 'EN ORDEN' : d.status === 'amber' ? 'VIGILAR' : 'REVISAR') + '<\/span>';\n list.appendChild(row);\n });\n\n const results = document.getElementById('c1results');\n results.classList.add('show');\n results.scrollIntoView({ behavior: 'smooth', block: 'start' });\n});\n\n\/* ============ CALCULADORA 2 ============ *\/\nfunction setModo2(modo){\n document.getElementById('pillBasico').classList.toggle('active', modo==='basico');\n document.getElementById('pillAvanzado').classList.toggle('active', modo==='avanzado');\n document.getElementById('bloqueBasico').style.display = modo==='basico' ? 'block' : 'none';\n document.getElementById('bloqueAvanzado').style.display = modo==='avanzado' ? 'block' : 'none';\n document.getElementById('results2').classList.remove('show');\n}\n\nfunction v(id){ const el = document.getElementById(id); return el ? (parseFloat(el.value) || 0) : 0; }\n\nfunction statusFrom(value, greenMin, amberMin, higherIsBetter){\n if (higherIsBetter){\n if (value >= greenMin) return 'green';\n if (value >= amberMin) return 'amber';\n return 'red';\n } else {\n if (value <= greenMin) return 'green';\n if (value <= amberMin) return 'amber';\n return 'red';\n }\n}\n\ndocument.getElementById('calc2Form').addEventListener('submit', function(e){\n e.preventDefault();\n const modoAvanzado = document.getElementById('bloqueAvanzado').style.display !== 'none';\n let dials = [];\n\n if (!modoAvanzado){\n const anc=v('b_anc'), ac=v('b_ac'), pn=v('b_pn'), pnc=v('b_pnc'), pc=v('b_pc');\n const ventas=v('b_ventas'), ebitda=v('b_ebitda'), gf=v('b_gf');\n const clientes=v('b_clientes'), proveedores=v('b_proveedores');\n const totalActivo = anc+ac;\n\n \/\/ 1. Cobertura de intereses\n let covStatus, covDetail;\n if (gf<=0){ covStatus='green'; covDetail='Sin deuda financiera con coste relevante.'; }\n else { const cov=ebitda\/gf; covStatus=statusFrom(cov,4,2,true); covDetail='Su EBITDA cubre '+cov.toFixed(1)+' veces sus intereses.'; }\n\n \/\/ 2. Liquidez corriente\n let liqStatus='amber', liqDetail='No se puede calcular sin Activo\/Pasivo Corriente.';\n if (pc>0){ const liq=ac\/pc; liqStatus=statusFrom(liq,1.5,1.0,true); liqDetail='Su Activo Corriente cubre '+liq.toFixed(2)+' veces el Pasivo Corriente.'; }\n\n \/\/ 3. Endeudamiento total\n let endStatus='amber', endDetail='No se puede calcular sin el Activo total.';\n if (totalActivo>0){ const end=((pnc+pc)\/totalActivo)*100; endStatus=statusFrom(end,60,80,false); endDetail='El '+end.toFixed(0)+'% de su Activo est\u00e1 financiado con deuda.'; }\n\n \/\/ 4. Rentabilidad sobre el activo (proxy)\n let renStatus='amber', renDetail='No se puede calcular sin el Activo total.';\n if (totalActivo>0){ const ren=(ebitda\/totalActivo)*100; renStatus=statusFrom(ren,10,5,true); renDetail='pendiente de detalle'; }\n\n \/\/ 5. Desfase cobro-pago (aprox usando ventas como base)\n let desfStatus='amber', desfDetail='pendiente de detalle';\n if (ventas>0){\n const pmc = clientes\/(ventas*1.21)*365;\n const pmp = proveedores\/(ventas*1.21)*365;\n const desf = pmc-pmp;\n desfStatus = desf<=15?'green':(desf<=45?'amber':'red');\n desfDetail = 'pendiente de detalle';\n }\n\n dials = [\n {name:'Cobertura de intereses', status:covStatus, detail:covDetail, locked:false},\n {name:'Liquidez corriente', status:liqStatus, detail:liqDetail, locked:false},\n {name:'Endeudamiento total', status:endStatus, detail:endDetail, locked:false},\n {name:'Rentabilidad sobre el activo', status:renStatus, detail:renDetail, locked:true},\n {name:'Desfase entre cobro y pago', status:desfStatus, detail:desfDetail, locked:true}\n ];\n\n } else {\n const anc=v('a_anc'), exist=v('a_exist'), clientes=v('a_clientes'), tesoreria=v('a_tesoreria'), otroac=v('a_otroac');\n const pn=v('a_pn'), pnc=v('a_pnc'), proveedores=v('a_proveedores'), deudacp=v('a_deudacp'), otropc=v('a_otropc');\n const ventas=v('a_ventas'), compras=v('a_compras'), personal=v('a_personal'), otrosgastos=v('a_otrosgastos'), gf=v('a_gf');\n\n const ac = exist+clientes+tesoreria+otroac;\n const pc = proveedores+deudacp+otropc;\n const totalActivo = anc+ac;\n const ebitda = ventas - compras - personal - otrosgastos;\n\n let covStatus, covDetail;\n if (gf<=0){ covStatus='green'; covDetail='Sin gasto financiero relevante detectado.'; }\n else { const cov=ebitda\/gf; covStatus=statusFrom(cov,4,2,true); covDetail='Su EBITDA cubre '+cov.toFixed(1)+' veces sus gastos financieros.'; }\n\n let liqStatus='amber', liqDetail='Aporte Existencias\/Clientes\/Tesorer\u00eda y Proveedores\/Deuda CP para calcularlo.';\n if (pc>0){ const liq=ac\/pc; liqStatus=statusFrom(liq,1.5,1.0,true); liqDetail='Su Activo Corriente cubre '+liq.toFixed(2)+' veces el Pasivo Corriente.'; }\n\n let endStatus='amber', endDetail='Aporte m\u00e1s partidas del balance para calcularlo.';\n if (totalActivo>0){ const end=((pnc+pc)\/totalActivo)*100; endStatus=statusFrom(end,60,80,false); endDetail='El '+end.toFixed(0)+'% de su Activo est\u00e1 financiado con deuda.'; }\n\n let margStatus='amber', margDetail='pendiente de detalle';\n if (ventas>0){ const marg=(ebitda\/ventas)*100; margStatus=statusFrom(marg,15,5,true); margDetail='pendiente de detalle'; }\n\n let persStatus='amber', persDetail='pendiente de detalle';\n if (ventas>0){ const pers=(personal\/ventas)*100; persStatus=statusFrom(pers,30,45,false); persDetail='pendiente de detalle'; }\n\n let desfStatus='amber', desfDetail='pendiente de detalle';\n if (ventas>0 && compras>0){\n const pmc = clientes\/(ventas*1.21)*365;\n const pmp = proveedores\/(compras*1.21)*365;\n const desf = pmc-pmp;\n desfStatus = desf<=15?'green':(desf<=45?'amber':'red');\n desfDetail = 'pendiente de detalle';\n }\n\n dials = [\n {name:'Cobertura de intereses', status:covStatus, detail:covDetail, locked:false},\n {name:'Liquidez corriente', status:liqStatus, detail:liqDetail, locked:false},\n {name:'Endeudamiento total', status:endStatus, detail:endDetail, locked:false},\n {name:'Margen EBITDA sobre ventas', status:margStatus, detail:margDetail, locked:true},\n {name:'Peso de personal sobre ventas', status:persStatus, detail:persDetail, locked:true},\n {name:'Desfase entre cobro y pago', status:desfStatus, detail:desfDetail, locked:true}\n ];\n }\n\n const weight = {green:0, amber:0.5, red:1};\n let score = dials.reduce((s,d)=>s+weight[d.status],0);\n score = Math.round(score*2)\/2;\n const total = dials.length;\n const redLocked = dials.filter(d=>d.locked && d.status==='red').length;\n const amberLocked = dials.filter(d=>d.locked && d.status==='amber').length;\n\n let verdict;\n if (score <= total*0.2) verdict = 'Estructura financiera s\u00f3lida';\n else if (score <= total*0.5) verdict = 'Puntos de atenci\u00f3n a vigilar';\n else verdict = 'Tensi\u00f3n financiera real';\n\n document.getElementById('scoreNum2').textContent = score;\n document.getElementById('scoreTotal2').textContent = ' \/ ' + total + ' puntos de estr\u00e9s';\n document.getElementById('verdict2').textContent = verdict;\n\n const list = document.getElementById('dialsList2');\n list.innerHTML = '';\n dials.forEach(function(d){\n const row = document.createElement('div');\n row.className = 'dial2';\n if (d.locked){\n row.innerHTML =\n '<span class=\"light ' + d.status + '\"><\/span>' +\n '<span class=\"dial-name\">' + d.name + '<span class=\"dial-detail\">Calculado \u2014 el detalle se explica en la reuni\u00f3n<\/span><\/span>' +\n '<span class=\"dial-status locked\">🔒 ' + (d.status==='red' ? 'URGENTE' : d.status==='amber' ? 'MEDIO PLAZO' : 'A REVISAR') + '<\/span>';\n } else {\n row.innerHTML =\n '<span class=\"light ' + d.status + '\"><\/span>' +\n '<span class=\"dial-name\">' + d.name + '<span class=\"dial-detail\">' + d.detail + '<\/span><\/span>' +\n '<span class=\"dial-status ' + d.status + '\">' + (d.status === 'green' ? 'EN ORDEN' : d.status === 'amber' ? 'VIGILAR' : 'REVISAR') + '<\/span>';\n }\n list.appendChild(row);\n });\n\n const lockedCount = dials.filter(d=>d.locked).length;\n const banner = document.getElementById('lockBanner');\n if (redLocked>0){\n banner.innerHTML = 'Ya ve que tiene algunos frentes abiertos. Le hemos ense\u00f1ado parte del diagn\u00f3stico, pero hay <strong>' + redLocked + ' punto' + (redLocked>1?'s':'') + ' m\u00e1s urgente' + (redLocked>1?'s':'') + '<\/strong>' + (amberLocked>0 ? (' y ' + amberLocked + ' a medio plazo') : '') + ' que no le mostramos aqu\u00ed. Si quiere comprobarlos y mejorar su empresa, cont\u00e1ctenos y le ayudamos a resolverlos.';\n } else if (amberLocked>0){\n banner.innerHTML = 'Le hemos ense\u00f1ado parte del diagn\u00f3stico, pero hay <strong>' + amberLocked + ' punto' + (amberLocked>1?'s':'') + ' m\u00e1s a medio plazo<\/strong> que no le mostramos aqu\u00ed. Si quiere comprobarlos y mejorar su empresa, cont\u00e1ctenos y le ayudamos a resolverlos.';\n } else {\n banner.innerHTML = 'El resto de indicadores calculados no muestra tensi\u00f3n relevante. Aun as\u00ed, si quiere una revisi\u00f3n completa con su balance real, cont\u00e1ctenos y le ayudamos a afinar el diagn\u00f3stico.';\n }\n\n const results = document.getElementById('results2');\n results.classList.add('show');\n results.scrollIntoView({behavior:'smooth', block:'start'});\n});\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Diagn\u00f3stico Financiero | Moreno y Asociados Moreno y Asociados \u00b7 Diagn\u00f3stico financiero \u00bfCu\u00e1nta tensi\u00f3n financiera tiene su empresa hoy? Elija c\u00f3mo quiere hacer el diagn\u00f3stico. Los dos son gratuitos y el c\u00e1lculo se hace en su navegador. No pedimos nombre de empresa ni CIF: solo cifras, y no se guardan ni se env\u00edan a ning\u00fan … <a title=\"calculadora de estres financiero\" class=\"read-more\" href=\"https:\/\/asemovar.com\/asesoria\/calculadora-de-estres-financiero\/\" aria-label=\"Leer m\u00e1s sobre calculadora de estres financiero\">Leer m\u00e1s<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-10323","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>calculadora de estres financiero<\/title>\n<meta name=\"description\" content=\"Diagn\u00f3stico Financiero | Moreno y Asociados Moreno y Asociados \u00b7 Diagn\u00f3stico financiero \u00bfCu\u00e1nta tensi\u00f3n financiera tiene su empresa hoy? 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