Financial Health Check
Twelve figures from your last set of accounts. A scored diagnostic against benchmarks for your industry, in about three minutes.
Your company
Benchmarks differ sharply by sector. A 22% gross margin is healthy in distribution and alarming in software, so this choice changes every threshold in the report.
Pick one and use it for every figure. Ratios are unaffected either way.
Use your most recent full year or trailing twelve months.
Profit and loss
Full-year or trailing twelve month figures. Enter losses as negative numbers.
Revenue less direct cost of sales.
Operating profit before interest, tax, depreciation and amortisation.
Balance sheet
As at the same period end. If you carry no stock, leave inventory at zero.
Total assets less total liabilities. Enter a negative figure if equity is in deficit.
Sharpen the result
Optional. Each figure unlocks an additional test: debt serviceability, supplier terms and the full distress model. Skip them and the report still runs, marked as indicative.
Loans, overdrafts and lease liabilities. Unlocks net debt to EBITDA.
Unlocks interest cover, the first ratio a lender looks at.
Gives an exact EBIT for the distress model.
Unlocks days payable and the cash conversion cycle.
Accumulated reserves on the balance sheet. Without it the Altman model is calculated on a conservative basis.
How to read this. The score benchmarks your figures against typical ranges for your sector using standard credit and management ratios, including the Altman Z''-score for distress risk. It is a directional diagnostic built on the numbers you entered, not an audit, a valuation or a credit decision, and it does not constitute financial, legal or investment advice. Figures are not verified. For decisions that matter, have the underlying accounts reviewed properly.