Know where you stand by business day 10 each month.
A monthly pack with a profit and loss statement, balance sheet and cash flow statement, plus a one-page summary in plain language.
Who it’s for
- Owners who get a P&L but no clear view of cash.
- Businesses reporting to investors, lenders or a board who need the same pack, on time, every month.
- CPA firms that want to offer monthly reporting to clients under their own brand.
What’s in the pack
Four parts, in the same order every month. Select a tab to see the layout.
October summary
Sample Trading Co. · all figures USD
- Sales: revenue was 3.1% above budget, led by two large wholesale orders.
- Costs: marketing ran 3.9k over budget because the trade-show deposit was paid in October rather than November.
- Receivables: up 21.7k. Two customers are past 60 days; the collection list is attached.
- Cash: rose 14.8k after a 5.0k loan repayment and a 12.0k owner distribution.
Profit and loss, October
Sample Trading Co. · USD
| Line | October | September | Budget |
|---|---|---|---|
| Revenue | 412,300 | 389,900 | 400,000 |
| Cost of sales | (247,400) | (237,800) | (240,000) |
| Gross profit | 164,900 | 152,100 | 160,000 |
| Gross margin | 40.0% | 39.0% | 40.0% |
| Payroll | (78,200) | (77,600) | (80,000) |
| Rent and facilities | (14,500) | (14,500) | (14,500) |
| Marketing | (18,900) | (12,300) | (15,000) |
| Software and other | (9,800) | (10,100) | (10,000) |
| Operating expenses | (121,400) | (114,500) | (119,500) |
| Operating profit | 43,500 | 37,600 | 40,500 |
Balance sheet at 31 October
Sample Trading Co. · USD
| Line | 31 Oct | 30 Sep |
|---|---|---|
| Cash | 186,200 | 171,400 |
| Accounts receivable | 298,600 | 276,900 |
| Inventory | 142,300 | 151,800 |
| Current assets | 627,100 | 600,100 |
| Fixed assets, net | 84,500 | 86,300 |
| Total assets | 711,600 | 686,400 |
| Accounts payable | (161,900) | (154,700) |
| Accrued expenses | (38,400) | (35,900) |
| Bank loan | (120,000) | (125,000) |
| Total liabilities | (320,300) | (315,600) |
| Net assets (equity) | 391,300 | 370,800 |
Cash flow, October
Sample Trading Co. · USD · indirect method
| Line | October |
|---|---|
| Net profit after interest and tax | 32,500 |
| Depreciation | 1,800 |
| Increase in receivables | (21,700) |
| Decrease in inventory | 9,500 |
| Increase in payables and accruals | 9,700 |
| Cash from operations | 31,800 |
| Loan repayment | (5,000) |
| Owner distribution | (12,000) |
| Cash from financing | (17,000) |
| Net change in cash | 14,800 |
| Opening cash | 171,400 |
| Closing cash | 186,200 |
Illustrative layout. Sample Trading Co. is fictional and every figure is made up. Real packs follow your chart of accounts and KPIs.
White-label for CPA firms. Firms can deliver this pack to their clients under their own brand. See support for CPA firms.
How the month runs
- Within 5–10 business days
Books closed
Reconciled, reviewed and locked for the month.
- Days after close
Pack prepared
Statements, KPIs and commentary drafted against your template.
- Before release
Second review
Every figure tied to the trial balance; every variance explained.
- By business day 10
Pack delivered
With an optional 30-minute walkthrough call.
Quality and review
- Every number ties to the closed trial balance
- Movements above your agreed threshold get a written explanation
- KPIs calculated the same way every month
- A second accountant reviews the pack before it is released
Pricing approach
A fixed monthly fee, agreed in writing before work starts.
Priced together with bookkeeping when we also keep your books. See engagement models and pricing.
Reporting questions
What if someone else keeps our books?
We can build the pack from your trial balance, as long as the books are closed by an agreed date. We’ll flag anything that doesn’t tie before the pack goes out.
Can we choose the KPIs?
Yes. We agree a short list of KPIs with you during onboarding and keep them consistent month to month, so trends mean something.
Can a CPA firm deliver the pack under its own brand?
Yes. We prepare it on your firm’s template and you deliver it to your client. Your client sees your name, not ours.
Which accounting standards do you report under?
US GAAP, IFRS, UK FRS 102, ASPE and Australian Accounting Standards (AASB), following each client’s own policies.
In what format is the pack delivered?
A PDF pack with the supporting workings in Excel. If you use a reporting tool, we can deliver into that instead.