qué es ratio de liquidez, fideco inversiones

¿Qué es el ratio de liquidez?

¿Sueles tener problemas a enfrentar tus pagos rutinarios? Si la respuesta es afirmativa, quizás es el momento de comenzar a llevar a cabo un control minucioso de tu tesorería. Desde Fideco inversiones, como representantes del descuento de pagarés, recomiendan que, para realizar este control exhaustivo, hay que tener en cuenta el ratio de liquidez, a través del cual mide la capacidad de tu negocio para hacer frente sin ninguna dificultad, las obligaciones primordiales.

Pero, ¿Qué es el ratio de liquidez? Es un indicador más de la capacidad que puede llegar a tener un negocio para afrontar sus principales necesidades a corto plazo. No obstante, hay que tener en cuenta la situación en la que tu negocio se encuentra, ya que es un factor importante para usar este u otro indicador. En el caso del ratio de liquidez, aporta datos en términos absolutos, mientras que otro indicador como el llamado Fondo de Maniobra, es un índice relativo.

El ratio de liquidez es sin duda una de las herramientas más acertadas para gestionar la tesorería de tu negocio, siempre y cuando se sepa interpretar.

¿Para qué sirven los ratios de liquidez?

Su utilidad es limitada. Es importante hacer una comparación temporal y sectorial para llegar a entender tanto las debilidades como las fortalezas de la gestión de la tesorería de tu compañía. Una vez finalizados, ayudará a comprender las diferentes alternativas existentes para la tesorería.

El resultado definitivo es encontrar los valores más convenientes con el objetivo de llegar a un equilibro entre diversos aspectos, los cuales caben citar:

  • Lograr la mayor rentabilidad posible. Para ello, se debe evitar tener una excesiva liquidez
  • La organización de los procesos de la entidad
  • La capacidad para saldar las deudas de la compañía. Si no se dispone de liquidez para solventarlas, en el peor de los casos , se podría llegar a entrar en concurso de acreedores.

¿Cómo se calcula el ratio de liquidez?

La operación a efectuar es muy sencilla. Hay que dividir el activo corriente, traduciéndose en derechos de cobro a corto plazo, existencias y tesorería; entre el pasivo corriente, entendiendo por ello las obligaciones de pago y los compromisos que se han de cumplir en el corto periodo de tiempo.

En función de su resultado, si es mayor o menor que uno, se podrá interpretar de una manera u otra:

  • Menor que uno: se traduce en que tu negocio tiene problemas de liquidez. Esto conlleva a posibles dificultades con las obligaciones concertadas a largo plazo, refiriéndonos por corto a plazo a pagar a menos de un año. Para estos casos, podemos ofrecer nuestros servicios de descuento de pagarés y solucionar la posible crisis.
  • Si es mayor que uno: significa que el activo circulante es superior al pasivo corriente, por lo que se interpreta como una señal de salud. No obstante, debemos de tener en cuenta que, si el resultado se encuentra muy superior a uno, puede significar que hay recursos activos que no se están explotando debidamente por lo que no se está obteniendo la rentabilidad deseada y esperada.

Ante estos resultados, no podemos atenernos a establecer y decidir cuál es el valor del índice más adecuado. Son datos aproximados que permiten hacer una idea de la liquidez y rentabilidad de tu empresa.

Un factor importante que debemos de tener en cuenta es el tipo de negocio en cuestión y la dimensión del mismo. Esto es primoo tengas que estar apurado para los próximos pagos.rdial ya que hay empresas que funcionan con una amplia liquidez ya que el periodo de cobros y pagos que realizan, es muy breve. Por lo contrario, existen entidades que difieren de lo mencionado anteriormente, ya que se hacen valer de instrumentos financieros muy potentes con pagos a largo plazo.

Por ello, conocer este tipo de índice y, sobre todo, adaptarla a tu propio negocio, puede ocasionarte grandes ventajas a la hora de controlar tu propia tesorería y que no tengas que estar apurado para los próximos pagos.

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