Common sense synthesis of equation less bankruptcy qualitative models

Many different formal tools, e.g. statistic, fuzzy logic, neural networks, are used to study different bankruptcy related tasks. A qualitative modeling philosophy has been developed in an effort to produce a general and reasonably unified common sense approach to modeling of unique, complex and unsteady state systems. A qualitative description is information non intensive as it is based just on three values, namely positive, zero, negative. No quantifiers are used, e.g. numbers, fuzzy and rough sets. A simple set of three qualitative relations, among five variables is used as a model. There are 17 scenarios and 40 possible transitions among them.