Financial reports that write themselves
Your accounting software records transactions. CFO Pal turns them into reports you can actually understand. P&L, balance sheet, KPIs, and management accounts generated automatically every month with plain English commentary.
Profit & Loss
March 2026
| This Month | Last Month | Change | |
|---|---|---|---|
| Revenue | £48,200 | £44,100 | +9.3% |
| Direct Costs | £18,300 | £16,800 | +8.9% |
| Gross Profit | £29,900 | £27,300 | +9.5% |
| Staff Costs | £12,400 | £12,400 | 0.0% |
| Rent & Utilities | £3,200 | £3,100 | +3.2% |
| Marketing | £2,800 | £1,900 | +47.4% |
| Software & Subscriptions | £1,600 | £1,400 | +14.3% |
| Other Overheads | £2,100 | £2,300 | -8.7% |
| Total Overheads | £22,100 | £21,100 | +4.7% |
| Net Profit | £7,800 | £6,200 | +25.8% |
Gross margin: 62.0% (up from 61.9%). Net margin: 16.2% (up from 14.1%). Marketing spend increased significantly, so it is worth reviewing ROI.
Monthly P&L with budget comparison
Revenue, direct costs, overheads, and net profit compared against your budget and the same month last year. Generated automatically.
Balance sheet summary
Assets, liabilities, and equity laid out clearly. No jargon. Updated every time your accounting data syncs.
Management accounts PDF
A downloadable board pack with P&L, balance sheet, KPIs, and AI-written commentary. Ready on the first of every month.
Plain English commentary
Every report includes written commentary explaining what changed, why it matters, and what to do about it. Written for business owners, not accountants.
The problem with spreadsheets
Most small business owners only see their financial reports once a year when the accountant files the tax return. By then it is 12 months too late to act on anything.
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