Free financial health check
Seven questions about figures you already know. You get a score, the three things most worth looking at, and what to do about each. The score is worked out in your browser and you do not need an account.
Answer what you can. Leave anything you are unsure of blank: a blank is treated as unanswered, never as a zero, and we say which checks it cost you.
Across all business accounts
Everything: wages, rent, software, materials
A typical month, excluding VAT
Stock, materials, subcontractors. Enter 0 if you have none
The total unpaid sales ledger
Past its due date
The total unpaid purchase ledger
No score yet
We can score this once 3 of the 7 checks have something to work with. 0 do so far.
All 7 checks
Cash cover
Tell us your cash balance and your monthly running costs.
Not answered
Gross margin
Tell us your monthly sales and the direct costs of delivering them.
Not answered
Net margin
Tell us your monthly sales and your monthly running costs.
Not answered
Overdue debt
Tell us what customers owe you, and how much of it is past its due date.
Not answered
Money tied up in debtors
Tell us your monthly sales and what customers owe you.
Not answered
Owed to suppliers
Tell us your monthly running costs and what you owe suppliers.
Not answered
Debtors against creditors
Tell us what you are owed and what you owe.
Not answered
These are thresholds we chose, not an industry benchmark: 3 months of cash cover, 40% gross margin, 10% net margin, under 10% of the debtor book overdue. They are starting points for a conversation, not a verdict on your business, and this check reads nothing from your accounting system. A score needs at least 3 answered checks.
This, from your actual ledger, every day
CFO Pal connects to Xero, QuickBooks or Sage and works all of this out from your real figures rather than your estimates, then tells you when one of them moves. 14 days free, no card.
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