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MITDEVPRO

finanzas-mcp

by MITDEVPRO

altman_z_score

Read-onlyIdempotent

Assess insolvency risk by calculating Altman Z-Score for public, private, or service companies using financial inputs like EBIT, assets, and working capital.

Instructions

Altman Z-Score de riesgo de insolvencia, en sus 3 variantes (pública, privada, servicios).

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
ebitYesResultado operacional (EBIT)
modeloNo'privada' (Z', manufactura no listada), 'publica' (Z original) o 'servicios' (Z'', no manufactura/emergentes)privada
ventasNoVentas del período (solo modelos con X5)
patrimonioYesPatrimonio contable (o capitalización bursátil si cotiza)
activos_totalesYesActivos totales
capital_trabajoYesCapital de trabajo (AC - PC)
pasivos_totalesYesPasivos totales
utilidades_retenidasYesUtilidades retenidas acumuladas
Behavior3/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already declare readOnlyHint, idempotentHint, and destructiveHint=false, covering safety. The description adds the existence of three model variants but no additional behavioral context (e.g., calculation method, data requirements).

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is a single, front-loaded sentence that efficiently conveys the core purpose. However, it omits important details such as output interpretation, making it slightly less concise in information content.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness2/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Despite full schema parameter coverage, the description lacks any information about the output (e.g., Z-score value, threshold interpretation) and does not explain how the 'modelo' parameter affects calculation. This is a significant gap for a tool with 8 parameters and no output schema.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

All 8 parameters are described in the schema (100% coverage), so the description does not need to add parameter details. The description adds no extra meaning beyond the schema's descriptions.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly identifies the tool as calculating Altman Z-Score for bankruptcy risk and explicitly states the three variants (pública, privada, servicios), which distinguishes it from sibling financial tools that calculate other ratios or metrics.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines2/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

No guidance is provided on when to use this tool versus alternatives such as ratios_endeudamiento or dupont. There is no mention of prerequisites or contexts where a different model variant should be chosen.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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