Profitability
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Free Excel Tool
How Financially Healthy Is Your Business?
Revenue and profit only tell part of the story. The Vertex Business Financial Health Check helps you assess five important areas of your business finances — profitability, cash flow, working capital, financial resilience and financial visibility.
Microsoft Excel • Free download • No signup required
Why it matters
Financial health goes beyond revenue and profit
A business can be profitable and still experience cash pressure. Revenue can grow while margins deteriorate. Strong sales can mask growing receivables, increasing debt or limited financial visibility.
The Business Financial Health Check brings several important financial signals together so owners can get a clearer picture of what is happening beneath the headline numbers.
What it assesses
Assess five areas of your business finances
Cash Flow
See how accounting profit compares with operating cash generation and free cash flow.
Working Capital
Review receivables, current assets, current liabilities and working capital trends.
Financial Resilience
Understand your cash position, debt, financial cushion and ability to absorb financial pressure.
Financial Visibility
Assess whether your reporting, forecasting and financial processes give you the information needed to make informed decisions.
See the bigger financial picture
The workbook combines your financial results with a short owner assessment to create a practical overview of your business's financial position and highlight areas that may deserve further investigation.
What's included
What's inside the Health Check?
Financial Inputs
Enter current and prior-period financial information to understand how the business is changing.
Owner Assessment
Complete a short assessment of your financial reporting, forecasting and decision-making visibility.
Financial Analysis
Automatically calculate key profitability, cash-flow, working-capital and resilience metrics.
Five-Dimension Health Check
Review the status of profitability, cash flow, working capital, financial resilience and financial visibility.
Suggested Areas for Review
Identify financial questions and areas that may deserve closer investigation.
Executive Dashboard
See key financial metrics, trends and observations together in one high-level view.
How it works
Enter Your Numbers
Add financial information from your recent financial statements and a comparable prior period.
Complete the Assessment
Answer a short set of questions about your financial reporting and management processes.
Review Your Financial Health
See the five areas of financial health, key trends, positive indicators and suggested areas for further review.
Built for owner-led businesses
The Business Financial Health Check is designed for owners who want a clearer understanding of their business finances without needing to build a complex financial model.
It may be useful for owners who are:
- Growing their business
- Experiencing cash-flow pressure
- Unsure why profit and cash are different
- Seeing margins change
- Managing increasing receivables
- Taking on debt or making major investments
- Preparing to hire or expand
- Trying to improve financial reporting
- Looking for better financial visibility
A starting point
A Health Check is a starting point
No single ratio or score can determine whether a business is financially healthy. Financial performance depends on the industry, business model, growth stage, financing structure, seasonality and many other factors.
This Health Check is designed to help identify trends, relationships and questions worth investigating, not to replace professional financial analysis.
Get a clearer view of your business finances
Download the free Vertex Business Financial Health Check and use your own numbers to identify what's working, what may need monitoring and where deeper analysis could be valuable.
Free Excel workbook • No signup required
Want help understanding what your numbers are telling you?
The Health Check can help surface the questions. Vertex Strategic Finance helps owner-led businesses dig deeper into the answers through CPA-led accounting, financial reporting and advisory support.
Book a Complimentary ConversationThis resource is provided for general informational and planning purposes only and does not constitute accounting, tax, legal, investment, financing or financial advice. Financial health varies significantly by business model, industry, growth stage, financing structure, seasonality and other circumstances. Results should be interpreted in the context of your specific business and should not be considered a professional opinion regarding the financial condition, solvency, value or future performance of the business.