Is the financial health check free?

Yes. The check is free, takes about five minutes and needs no login. You can complete it without giving us your contact details.

What does the check measure?

It reads thirteen financial vital signs across cash flow, profitability and resilience — including cash buffer, ATO position, margins, debtor and creditor pressure, and solvency signals — and returns a single health score out of 100 with plain-English findings.

Is this financial or legal advice?

No. The check is an automated general-information tool. It is not financial, legal, accounting or insolvency advice, not an audit, and not a determination of solvency. Always seek advice from an appropriately qualified professional before making decisions.

Free · 5 minutes · No login

Know your numbers. Trust your next move.

A fast, plain-English read on your business's financial health — across cash flow, profitability and resilience. Built for Australian businesses turning over up to $50 million.

Start my check See a sample report

Takes 5 minutes Nothing is shared without your say-so No login needed

How it works

Three steps to a clear picture

STEP 01

Answer the check

Around twelve plain questions about cash flow, tax, margins and pressure points. No statements to dig up — just what you already know.

STEP 02

Read your score

A single health score out of 100, plus your thirteen vital signs — each one explained in words, not jargon, and benchmarked against businesses like yours.

STEP 03

See your next move

A prioritised set of next steps and, if you want it, a warm introduction to the right professional — broker, accountant, solicitor or advisor.

What's measured

Thirteen vital signs

The check reads the same signs a financial professional looks at first — the ones that tend to move before everything else does.

Cash buffer

Weeks of runway if income stopped

Operating cash flow

Cash generated by trading

ATO position

Lodgements and tax debt

Director exposure

DPN and personal guarantee risk

Gross margin

What's left after cost of sales

Net profit trend

Direction of the bottom line

Debtor days

How fast customers pay you

Creditor pressure

Strain from unpaid suppliers

Debt servicing

Capacity to meet repayments

Revenue concentration

Reliance on few customers

Pricing power

Ability to move prices

Working capital

Short-term financial cushion

Solvency signal

Paying debts as they fall due

A sample reading

Your result, at a glance

Every check ends with a score card like this — a headline score, a clear verdict, and the numbers that matter most. Findings, never judgements, always paired with a next step.

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82/ 100

Strong

Top quartile for your industry

Cash buffer

11.4 wks

▲ 2.1 wks since last check

ATO position

Current

Lodgements up to date

Who it's for

If any of this sounds familiar, start here

Getting finance-readyYou need a clear view of your position before approaching a lender or broker.

ATO pressureLate lodgements, payment plans, collection letters, a Director Penalty Notice or a garnishee.

Margins under strainFixed-price work or input costs are squeezing what you keep.

Creditor pressureSuppliers chasing payment, or cash flow making it hard to pay on time.

Money owed to youDebtors are slow to pay and it's tying up your working capital.

Just want to knowThings feel fine — you'd simply like a second read on the numbers.

Your business has a pulse. Read it.

Five minutes. Thirteen vitals. One clear next move.

Start my check