Commercial assets and liabilities statement: what does a German bank want from a company?
If a GmbH, a developer or a holding company borrows, the bank wants the company's position at a glance. Here is the bilingual template as a fillable PDF.
What goes into a company's assets and liabilities statement for a German bank?
The bank wants everything on one sheet for a company: the company and its shareholders, every property with rent, debt and value, other liabilities and holdings, and the key figures of the project. The fillable bilingual template is free here as a PDF.
Download the commercial statement: open the PDF directly or receive it by email
- Commercial statement DE/EN · bilingual, fill in on screen or print
- By email · as an attachment, ready to use
Open the PDF directly — no form: Commercial assets & liabilities statement DE/EN (PDF, 2 pages)
The four parts of the template
The commercial version is for GmbH and GmbH & Co. KG, developers, portfolio holders and holding companies, while private individuals use the private statement.
- Who is the commercial version for? GmbH and GmbH & Co. KG, developers, portfolio holders and holding companies. Private individuals use the private statement.
- What is different from the private version? Company details, remaining term of liabilities, holdings, commercial key figures, exit strategy and a field for the tax adviser.
- Does the template cost anything? No. Open the PDF directly without a form or receive it by email.
- Who is borrowing? (Company): Name, legal form, commercial register number, year founded, shareholders with shares and management.
Real estate (Part A)
Ten lines, one per property; for part-ownership totals and own share.; Property, address and land register; Type of use; Residential and commercial area in m²; Net annual rent, target and actual; Interest and repayment p.a., rates; Fixed until, creditor; Loan balance and market value.
Other liabilities (Part B): Including guarantees, rent guarantees and leasing.; Creditor and amount; Interest and repayment p.a.; Purpose; Remaining term.
Assets and holdings (Part C)
Attach account and portfolio statements, articles or valuations.; Item and holder; Bank or type; Description and value.
Key figures (Part D): Per project or property, from the feasibility calculation.; Loan-to-cost and loan-to-value; Equity ratio; Debt service coverage; Pre-sale or pre-let ratio; Expected project margin.
Which other documents does the bank need?
For let properties the rent roll per unit, for developers the project finance checklist, for private individuals the private statement.
Commercial financing: commercial and developers.
Frequently asked questions
Is there a template for a company assets and liabilities statement?
Yes. The bilingual commercial statement (German/English) is available on this page as a fillable PDF (2 pages), free — with company details, property, liabilities, holdings and key figures.
How does it differ from the private statement?
It starts with the company (name, legal form, commercial register, shareholders, management), asks for the remaining term of liabilities, records holdings and ends with the key figures of the project and the exit strategy.
Who certifies it?
The company, with date, signature and stamp. For larger loans banks also ask for a certification by a tax adviser or auditor — the field for it is in the template.
Any questions on this topic?
A first consultation is free and without obligation — the commission is, as a rule, paid by the bank. We tell you what this means for your own financing.
Related pages
private statement
Assets and liabilities statement (DE/EN): free bilingual template, fillable on screen — real estate, other liabilities and other assets for your bank.
rent roll
Rent roll template for a German bank: tenant, area, net rent, service charges and stepped rent per unit — bilingual, fillable, free PDF.
project finance checklist
Project finance checklist for developers: all 20 documents and the metrics (LTC, LTV, equity ratio) that banks and debt funds check — free as a PDF.
Editorially responsible: Olga Nikushkina — owner, §34i GewO (German mortgage brokerage), adviser register D-W-132-ZUCB-95. Specialised in German property financing with an international dimension: non-residents, foreign-currency income, cross-border workers, expats. Siegfried Perini is entered in the German intermediary register under this licence as a person directly involved in brokerage and advice (§ 11a GewO), active in real estate since 1992. Not legal or tax advice.