Finance

Protect profit, control rising costs, and plan cash with greater confidence.

Accounting software records what happened, but business decisions require an explanation of what is changing and why.

When reports arrive late and follow-up analysis takes hours, weak margins, rising costs, and cash risks can remain unresolved.

What you can improve

See the business results you can improve and the decisions that can help you achieve them.

Business Outcome

What you need to understand

Decision you can make

Protect and grow profit

Which products, customers, and locations create the strongest margins?

Compare profit and margin across products, customers, locations, and reporting periods, rather than relying only on the total result.

Focus investment on products, customers, and locations that create strong margins.
Improve or stop activities that repeatedly reduce profitability.

Keep spending within plan

Which budget areas require action?

Identify the largest differences between budget and actual spending, ranked by financial importance.

Address significant overspending before the reporting period ends.
Revise forecasts and budgets where costs continue to move away from plan.

Control cost growth

Which costs are increasing faster than revenue?

Identify the suppliers, subscriptions, and cost categories that are increasing most quickly.

Cancel unnecessary costs and renegotiate commercial terms.
Introduce controls for categories that grow without providing sufficient business value.

Strengthen cash planning

How long will available cash support planned operations?

Understand the expected cash position using current spending, expected income, receivables, and planned commitments.

Adjust spending and hiring plans based on the expected cash position.
Prepare financing early and time major commitments more carefully.

Improve working capital

Where is cash being delayed by customers or payment terms?

Compare actual collection times with agreed terms and identify the customers and invoices creating the largest delays.

Focus collection activity on customers and invoices with the largest cash impact.
Revise terms for repeated late payment and plan outgoing payments accordingly.

Examples of decisions

Protect profit and improve cash flow

Pulse Analysis

Costs Outrunning Revenue, Concentrated in One Vendor

Generated Jul 14, 2026 at 9:12 AM

Executive Summary

Three expense categories grew while revenue stayed flat (+3%). Software rose fastest at +42%, and about two-thirds of that traces to one vendor.

Signal 1: Software Costs Up 42% vs Flat Revenue

Severity: Warning

Key Metrics

Software cost growth: +42% over two quarters
Freight cost growth: +26%
Revenue growth: +3% (flat)
Single-vendor share of software rise: ~66%

Findings

Software is the fastest-growing cost line and outpaces revenue several times over. Roughly two-thirds of the increase comes from one vendor, making it the clearest place to act.

Report

TypePulse Analysis

Signals2

GeneratedJul 14, 2026

Datasetfinance-books-2025.csv

In this report

Software is the fastest-growing cost at +42%

One vendor drives ~two-thirds of the increase

PulseWarning

Three cost categories are growing faster than revenue, and one supplier is responsible for most of the increase.

"Three expense categories grew up to 42% over two quarters while revenue stayed flat. Two thirds of the increase comes from one vendor."

The decision: Renegotiate the supplier's pricing and commercial terms.

Data Card

Summary

Generated Code

View code

Visualization

Average days to pay, by segment

Export: PNG SVG

Analysis

Summary

Clients pay in 38 days on average against 30-day terms, but wholesale stretches to 58 days and holds most of the overdue balance.

Key Findings

Wholesale pays at 58 days — nearly double online buyers.
Wholesale holds 61% of the total overdue balance.

Download Markdown

ChatWarning

One customer segment pays well beyond the agreed terms and represents most overdue receivables.

"Clients pay in 38 days on average against 30-day terms, and the slowest payers concentrate in one segment."

The decision: Prioritise collection activity for this segment and its largest overdue invoices.

Who this is for

Built for anyone responsible for the numbers.

Founders & owners

Finance managers

Accountants with multiple clients

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