Financial Health Index — Do your books reflect what your business really is?

Tick what applies to your business

Tick only the statements that are actually true of your business. Leave anything unmet or uncertain unticked — accuracy here means a more accurate report.

Account Organization & Bookkeeping Quality

All financial transactions are recorded regularly (daily or weekly) in an organized accounting system We can produce an accurate, balanced trial balance at any time The company's accounts are fully separated and documented apart from the owners' personal accounts Regular monthly accounting closes are performed There are no suspense or unidentified balances in the accounts

Financial Statements & Reporting Quality

We have complete, up-to-date financial statements for the latest fiscal year The company prepares regular monthly management reports to monitor performance We regularly compare actual performance against the budget and analyze variances

Liquidity & Cash Flows

We meet our obligations on time without noticeable strain There is no recurring cash shortfall threatening the company's ability to pay We maintain an up-to-date, regularly prepared cash flow forecast Monthly bank reconciliations are performed regularly for all bank accounts

Profitability & Performance Efficiency

There are no accumulated losses threatening the company's going concern or eroding its capital We know the cost of each product or service accurately enough to price profitably The operating profit margin has been stable or improving over the past two years

Receivables & Collections

We have a clear, documented customer credit and collection policy Accounts receivable overdue more than 90 days are limited and actively managed We have a diversified customer base with no over-reliance on a few customers

Payables & Liabilities

Supplier obligations are paid regularly without material delays Supplier balances are periodically reconciled against their statements Current loan and credit facility installments are clearly within the company's repayment capacity

Inventory & Costing

We have an organized inventory system with periodic physical counts Cost of sales is calculated accurately and genuinely tied to inventory movements

Fixed Assets & Long-Term Obligations

We maintain an up-to-date fixed asset register with regular depreciation Physical fixed assets are periodically reconciled with the accounting records

Internal Controls & Authorizations

Financial duties and authorities are segregated; no single person controls the entire financial cycle We have documented financial policies and procedures that are actually applied There is regular financial oversight or internal audit of financial operations Access rights to the accounting system are restricted, documented, and not shared

Financial, Zakat & Tax Compliance (impact only)

Zakat and tax returns are filed regularly and reconciled with recorded revenues There are no material outstanding zakat or tax claims or penalties

Financial Management & Planning

We have a qualified finance officer who monitors the financial position regularly We have an approved annual budget that is actually used to track performance Defined financial KPIs are used regularly in management decision-making

Data Quality & Readiness for Transformation & Automation

We can easily extract analyzable reports from the accounting system Regular, documented backups of financial and accounting data are in place

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