Dashboard
Your business at a glance.
Northstar 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.