SME Business Health Diagnostic
A chartered accountant's diagnosis of your business: a health score across eight areas, early warning signs, and a ranked recovery plan with a 13-week cash flow.
Founding rate for the first three businesses, in return for feedback and permission to publish an anonymised case note. Usual price £395.
Paid in full when booked.
Who it's for
Is this right for you?
- Owner-managed businesses with roughly £250k to £10m turnover that want an honest view of where they stand
- Businesses feeling a cash squeeze, slipping margins or late-paying customers
- Founders preparing to speak to a lender, investor or new finance hire
- Fractional CFOs and finance managers who want a fast, structured first look at a new client
Timeline
Report within 5 working days of receiving your information
What's included
What you get
- Works from whatever you have: Xero or QuickBooks exports, a trial balance, management accounts, filed accounts, or a guided questionnaire
- A short management questionnaire on customers, team, systems, pipeline, debt and tax position
- A health score from 0 to 100 across eight areas: cash, profitability, debt, working capital, revenue quality, operations, tax and statutory filings, and management
- Early warning signs rated critical, high, medium or watch, each with the numbers behind it
- What is going well, not just what needs fixing
- A ranked recovery plan in three stages (stabilise, repair, grow), with the estimated cash or profit impact of each action
- A 13-week cash flow forecast built from your debtors, creditors, payroll and tax dates
- A plain-English report and a one-page summary for your board or lender, plus a 45-minute walkthrough call
Coming next
Software version in development
We are building this diagnostic into software for fractional CFOs, accountants and owner-managers: connect Xero or upload your accounts and get a first diagnosis in minutes, then track your recovery month by month. Join the waitlist to hear first and help shape it.
Scope and limits
This is decision support from a chartered accountant, based on the information you provide. It is not an audit, does not give assurance over your accounts, and is not legal, tax or insolvency advice. If the numbers point to serious financial difficulty, we will say so plainly and recommend you speak to a licensed insolvency practitioner.
Questions
Frequently asked
How is this different from my management accounts or a reporting dashboard?
Reports describe what happened. The diagnostic tells you what is wrong, how serious it is and what to do next, in order of impact. Every score and warning traces back to a number or an answer you gave.
What information do you need?
Ideally 12 months of figures from your accounting software or a trial balance, aged debtor and creditor lists, and about 15 minutes on the questionnaire. If you have less, we still diagnose what we can and show how confident each finding is.
Is this an audit?
No. It is decision support based on what you share with us. It does not give an audit opinion or assurance over your accounts.
What if the business is in real difficulty?
We will tell you clearly and early. The report flags urgent issues such as a short cash runway or tax arrears, sets out practical first steps, and recommends speaking to a licensed insolvency practitioner where that is the right next step. We do not give insolvency or legal advice.
Is our data safe?
We only ask for what the diagnosis needs, keep it for the engagement, and delete it on request. Read-only exports are enough; we never need log-ins to your bank.
Start with five minutes, not a big project
Take the free Self-Check to see where you stand, or book a Health Check for a clear, independent view and a 30-day plan.