Analiza in načrtovanje finančnega stanja, kot tudi samega poslovanja sta za vsako podjetje bistvenega pomena. Podjetja pridobijo oceno svojega poslovanja z raznimi metodami in računalniškimi programi. Nekatere metode ocenjevanja so zanesljivejše, vendar cenovno nedostopne, medtem ko so nekatere cenovno ugodnejše, vendar manj zanesljive. Podjetniki si v finančni krizi prizadevajo zmanjšati stroške in iščejo čimbolj ugodne rešitve. V diplomski nalogi bomo predstavili zanesljivost bonitetnega ocenjevana družb s pomočjo Altmanovega modela, ki se je od leta 1968, ko je bil razvit, dopolnjeval in razvijal. Predstavili bomo bonitetno oceno in zakaj je za podjetja bistvenega pomena. Praktično bomo podrobneje predstavili uporabo Altmanovega modela na šestih realnih podjetjih in preizkusili njegovo zanesljivost s pomočjo Excelove razpredelnice, v katero bomo vnesli podatke njihovih poslovanj iz preteklih let.Analysis and design of financial position as well as the business operations of any enterprise is essential. Companies obtain an estimate of its operations through various methods and computer programs. Some assessment methods are more reliable, but unaffordable, while some are cheaper but less reliable. Entrepreneurs in a financial crisis continiue to reduce costs as much as possible and seek effective solutions. We present the credit evaluation of companies with Altman model, which has been since 1968 further complemented and developed. We will present the credit rating and why it is so essential for businesses. We will also present a practical application of Altman model on six companies and test its reliability by using the Excel tables containing data about their operations from previous years
