Getting it into your agent
One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.
npx skills add charlieviettq/awesome-agent-skill --skill algo-risk-altman-zgit clone --depth 1 https://github.com/charlieviettq/awesome-agent-skillWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/charlieviettq/awesome-agent-skill/algo-risk-altman-z)<a href="https://agentmods.dev/skills/charlieviettq/awesome-agent-skill/algo-risk-altman-z"><img src="https://agentmods.dev/badge/skills/charlieviettq/awesome-agent-skill/algo-risk-altman-z/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/skills/charlieviettq/awesome-agent-skill/algo-risk-altman-z"><img src="https://agentmods.dev/badge/skills/charlieviettq/awesome-agent-skill/algo-risk-altman-z.svg" alt="Reviewed on agentmods" width="80" height="20"></a>What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00072 | $0.01644 |
| Opus 5 | $0.00036 | $0.00822 |
| Sonnet 5 | $0.00014 | $0.00329 |
| Haiku 4.5 | $0.00007 | $0.00164 |
Grade A, and why
"algo-risk-altman-z" scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 12d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
This is a copy
88% identical to algo-risk-altman-z — 8 lines differ, which has more behind it and is treated as the original. This page carries a canonical link to it rather than competing with it.
How it starts
The opening of the file, as written. The whole thing — 120 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Altman Z-Score
Overview
Altman Z-Score is a linear discriminant model predicting bankruptcy probability from five financial ratios. Z = 1.2X₁ + 1.4X₂ + 3.3X₃ + 0.6X₄ + 1.0X₅. Zones: Z > 2.99 (safe), 1.81-2.99 (grey), Z < 1.81 (distress). Originally for public manufacturing firms; variants exist for private and non-manufacturing.
When to Use
Trigger conditions:
- Screening companies for bankruptcy risk
- Quick credit assessment using publicly available financials
- Monitoring portfolio companies for financial distress signals
When NOT to use:
- For financial institutions (banks, insurers) — different capital structures
- When detailed credit scoring is needed (use logistic regression credit models)
Algorithm
IRON LAW: Z-Score Was Calibrated for PUBLIC MANUFACTURING Firms
Applying the original formula to private firms, service companies, or
emerging markets WITHOUT using the appropriate variant produces
misleading results. Use Z'-Score for private firms, Z''-Score for
non-manufacturing and emerging markets.
Phase 1: Input Validation
Extract from financial statements: working capital, retained earnings, EBIT, market cap (or book equity for private), total assets, total liabilities, sales. Gate: All five inputs available, from same reporting period.
Phase 1.5: Variant Selection (MANDATORY)
Before touching any formula, pick the right variant — this is the single most common mistake when applying Altman Z.
| Firm description | Variant | Script flag |
|---|---|---|
| Public manufacturing firm | Original Z | --variant original |
| Private manufacturing firm (no market cap) | Z' | --variant private |
| Non-manufacturing — SaaS, services, retail, tech, finance-light | Z'' | --variant non_manufacturing |
| Emerging-market firm of any kind | Z'' | --variant non_manufacturing |
If the user description contains any of these tags: "SaaS", "cloud", "software", "services", "retail", "e-commerce", "platform", "tech", "emerging market", "BRICS", "non-manufacturing" → use Z''. Do not default to the original Z just because that's the "classic" formula.
What ships with it
3 files beside SKILL.md in the same directory: the scripts, references and assets a skill reads on demand. Not counted in the per-session cost; read them before you install if any of them is executable.
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 12d ago First seen · 120 lines · 72 tokens per session scan A e817db130df3
"algo-risk-altman-z" is a skill published in the GitHub repository charlieviettq/awesome-agent-skill (25 stars, last pushed 1mo ago), licensed MIT. It adds 72 tokens to every session and 1,644 once invoked, about $0.0004 per session on Opus 5. A static security scan graded it A with 0 findings. It is 88% identical to algo-risk-altman-z, differing in 8 lines, and is treated as a copy.
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