Modelling firm failure. classically defined as bankruptcy. is problematic in the Croatian business environment since the bankruptcy procedure starts at a very late stage of crisis. when a firm liabilities are higher than assets. https://www.roneverhart.com/HP-15-fd0038ca-15-6-FHD-IPS-Laptop-Intel-Processor-N100-3-40-GHz-Intel-UHD-Graphics-8GB-DDR4-512GB-SSD-Windows-11-Hom/