Financial Health & Ratios Report
You already have the numbers — this works them. Enter your key profit and loss and balance-sheet figures and get back a proper financial health report: liquidity, profitability and leverage ratios all calculated and shown, benchmarked against sensible ranges, with a clear health verdict and three practical moves. This is not a blank template. You put in your real figures; the report restates them, does every calculation, and shows the arithmetic so you (and your accountant) can see exactly how each ratio was built. Written in plain Australian English for AUD, with GST and ATO context where it matters. Ideal for a director, sole trader or bookkeeper who wants to understand what the accounts are actually saying before a bank meeting, a BAS, or a year-end review.
Your profit and loss and balance sheet already exist. What they do not say directly is whether the business could absorb a slow quarter, or whether the margin you think you are earning survives contact with your interest bill. The Financial Health & Ratios Report costs A$39 one-off and works those existing figures into a calculated scorecard: liquidity, profitability and leverage ratios, benchmarked against sensible ranges, with a health verdict, a plain-English read of what each ratio is saying, and three practical moves. Turnaround is roughly five minutes.
One detail matters more than the rest and is easy to get wrong: whether your figures are GST-inclusive or GST-exclusive. Mixing the two inflates gross margin and quietly distorts liquidity, so the basis is settled before any ratio is worked. The report then restates every figure it used before calculating anything, which means a mistyped debtors balance or a forgotten loan surfaces in the first thing you read rather than three ratios later.
From current ratio to interest cover
Liquidity comes first: current, quick and cash ratios, each built from the assets and liabilities you entered. They answer the least comfortable question in small business, which is whether you could meet what is already due if trading slowed tomorrow. Profitability follows, worked line by line: gross margin, net margin, return on assets and return on equity, so you can see where margin is being made and where it goes.
Leverage and coverage close it out: debt-to-equity, debt-to-assets and interest cover, shown against sensible benchmark ranges. Then comes the verdict, a plain-English read of what each ratio is actually saying about your business, plus three practical moves. That last part is the point. A ratio on its own is trivia until something tells you which direction to push it.
Every calculation is visible, and that cuts both ways
This is not a blank template you fill in yourself. You put in real figures and the report shows the arithmetic behind each ratio, so if your accountant disagrees with a result they can see straight away whether the disagreement is about an input or about the method. That is a far shorter conversation than arguing with a number that arrived without provenance. Two free AI revisions are included at this price, so correcting a figure and having the report rebuilt does not mean paying again. It arrives as an on-page report plus a Markdown download you can print to PDF or paste into Word, written in plain Australian English for AUD with GST and ATO context where it matters.
The same visibility exposes the constraint. Every ratio is only as sound as the figures you typed in, because nothing is connected to Xero, MYOB or a bank feed, and no number is checked against your BAS or anything lodged with the ATO. Bad inputs produce confident-looking bad ratios. This is general information written by AI, not financial, accounting or tax advice, so have your accountant or another qualified adviser review it before you lean on it in a lender conversation or a year-end decision.
What you get
- A restated snapshot of your P&L and balance-sheet figures so nothing is misread
- Liquidity ratios (current, quick, cash) calculated with the arithmetic shown
- Profitability ratios (gross margin, net margin, return on assets and equity) worked line by line
- Leverage and coverage ratios (debt-to-equity, debt-to-assets, interest cover) with benchmarks
- A health verdict plus a plain-English read of what each ratio means and 3 practical moves
- 2 free AI revisions included
Turnaround: ~5 minutes. Delivery: On-page report + Markdown download (print to PDF / paste to Word).
Frequently asked questions
Does it connect to Xero, MYOB or my bank?
No. There is no integration and nothing is scanned or fetched. You type your profit and loss and balance-sheet figures into the intake form and the report is built from those alone. That is a genuine limitation, though it also means you can run it on draft numbers, on a period your software has not closed yet, or on figures you keep in a spreadsheet.
What if my business has no inventory, or no interest expense?
Enter zero for those fields. The ratios that depend on them will reflect that, and because the arithmetic behind each ratio is shown you can see immediately which ones are affected. A service business with no stock will find the current and quick ratios sit close together, which is a real signal rather than an error.
I do not have a balance sheet yet. Is this the wrong starting point?
Probably, yes. This product assumes the statements already exist and works them: it restates your figures, calculates the ratios on top and interprets the result. If you cannot fill in current liabilities or total non-current assets from something you already have, build the statement first with the Balance Sheet or Profit & Loss Statement product, then come back here with the numbers.