Business insight for SMEs
Understand. Improve. Grow.
Understand how your business is really performing. See where it can improve. Get clear, practical actions to help it grow.
Treviloq turns your business data into clear insight, priorities and practical next steps — helping you make better decisions with confidence.
Demo environment — all financial information shown is illustrative.
The challenge
Your numbers tell you what happened. Treviloq helps you understand what it means.
Many growing businesses have accounting information, reports and data, but lack the time or specialist support to turn that information into clear decisions and priorities.
How Treviloq works
From information to confident action.
- 01
Understand
See clearly how your business is performing and what is driving the numbers.
- 02
Improve
Identify the areas where changes could make the biggest difference.
- 03
Act
Receive clear, prioritised and practical actions rather than simply more data.
- 04
Grow
Make better-informed decisions and build a stronger, more valuable business.
See Treviloq in action
More than reporting. A clearer view of what to do next.
Treviloq brings together performance, financial analysis, insight, recommended actions and further guidance in one connected view.
Treviloq doesn't just show you information. It helps you decide what to do next.
Open the live demoNorthstar Consulting Ltd · sample company
August 2026, in GBP. Financial year ending August.
Business performance score
76
out of 100
Performing well
Stable · -5 points vs last month
Revenue
£45,400
−£1,800 (−3.8%)
vs July 2026
Gross margin
42.0%
−0.2 pp
vs July 2026
Net profit
£8,700
+£500 (+6.1%)
vs July 2026
Cash position
£92,300
+£2,200 (+2.4%)
vs July 2026
Debtor days
53.0 days
+2.0 days· Adverse
vs July 2026
Average balances
Creditor days
48.5 days
+2.3 days· Favourable for cash flow
vs July 2026
Average balances
Cash position: actual and projected
Key insight
Profit is improving, while customers are taking longer to pay. Collecting what is due is the place to start.
Cash position notes
Month-end cash at bank. If recent trends continue and no corrective action is taken.
Assumes recent turnover, margin, cost and working-capital trends continue. Other recent cash outflows are assumed to continue; unexplained inflows and new funding are not. A negative balance shows a shortfall, not an agreed overdraft.
Assumptions
- Turnover, gross margin, operating costs and the debtor, stock and creditor balance ratios each continue their six-month straight-line trend from the latest month.
- Monthly other income £0, interest £0 and tax £1,740 follow the recent monthly averages, not a tax payment schedule.
- Working-capital movements are counted once, from the projected balances.
- Other cash movements not explained by trading and working capital: April 2026 -£6,200; May 2026 -£270; June 2026 £2,344; July 2026 -£2,840; August 2026 -£9,635. Only outflows are carried forward: -£3,789 a month.
- This is a cautious, no-new-funding view, not a full cash flow forecast or a guaranteed outcome.
How the score is calculated
Compares this business with its own history, not with other businesses, sector benchmarks or payment terms. It is not a credit rating and does not show whether cash is sufficient. Turnover, gross margin, net profit and operating cash flow score 60% on the latest 12 months against the 12 before; working capital scores 60% on debtor, inventory and creditor days in the selected month against the same month last year. Every area's remaining 40% compares the latest 3 months with the same 3 months last year. This needs 24 complete, ready months on the same basis. With less history a provisional score compares the latest months with the same number of months before, using only measures that can be worked out on comparable months; missing measures are left out, never counted as zero.
- Turnover (15% weight): 95 — current 95, trend 95.Last 12 months vs previous 12: 10.5%. Latest 3 months vs same 3 months last year: 10.5%.
- Gross margin (20% weight): 85 — current 85, trend 85.12-month gross margin 40.7% vs 39.7% (1.0 pp). 3-month gross margin change vs last year: 1.0 pp.
- Net profit (20% weight): 89 — current 89, trend 89.12-month net margin 15.7% vs 14.3% (1.4 pp). 3-month net margin change vs last year: 1.4 pp.
- Operating cash flow (25% weight): 56 — current 49, trend 67.12-month operating cash margin 10.2% vs 12.9% (-2.6 pp); cash conversion 0.65× net profit. 3-month operating cash margin change vs last year: -0.6 pp.
- Working capital (20% weight): 63 — current 63, trend 64.Days vs same month last year: debtor +10.2, inventory -2.8, creditor +4.1. Average days, latest 3 months vs same 3 months last year: debtor +9.3, inventory -2.5, creditor +3.5.Rising creditor days are never rewarded; no payment terms are recorded, so nothing is described as overdue or late.
Trend score 79: 80 or more is Improving, 70 or less is Worsening.Covers September 2024 to August 2026.
One connected view
The essentials for better business decisions.
Start with the overall position, understand what sits behind it, then move confidently towards action.
Business Performance
Understand the financial and operational health of the business.
Explore the demoBusiness position
Get a simple high-level view of where the business currently stands.
Explore the demoInsights
Identify trends, strengths, weaknesses and potential issues.
Explore the demoRecommended Actions
Turn insight into clear priorities and practical next steps.
Explore the demoBusiness Mentor
Explore an issue or decision in more depth.
Explore the demoAn illustrative experience
From insight to action, in practice.
Illustrative example only. It is not a guaranteed result or a recorded live conversation.
Insight
Customers are taking longer to pay, leaving more cash tied up in the business.
Recommended action
Review outstanding balances, compare payment behaviour with agreed terms and prioritise follow-up.
With Business Mentor
Explore a collection process, decide who owns each step and establish how progress will be reviewed.
Example business question
How can we improve collections without damaging customer relationships?
Illustrative guidance
Start by checking which invoices are genuinely overdue and whether disputes need resolving. Prioritise the largest balances, agree follow-up responsibilities and review progress weekly.
Understand your business. Know what to improve. Take action. Grow with confidence.
Clearer insight. Better decisions. A stronger business.
Explore Treviloq