Financial Health Check
How financially resilient is your business?
The Financial Health Check examines five core dimensions of financial health to identify where your business is strong, where it is under pressure, and where targeted action will have the greatest impact. It is designed for business owners, founders, operators, investors and advisers who want a clear, structured view of financial performance without wading through accounts.
What this diagnostic covers
This assessment covers Performance & Profitability, Cash Flow & Liquidity, Working Capital, Debt & Financial Resilience, and Financial Control & Visibility. Answer each question as honestly as you can — the diagnostic is most useful when responses reflect the real position of the business. No detailed financial figures are required. Where a question does not apply to your business model, select Not Applicable.
Performance & Profitability
The trajectory, predictability and sustainability of your revenue and bottom-line profit.
Weight: 20% · 4 questions
Cash Flow & Liquidity
The ability to convert profit into cash, maintain reserves and fund operations without unplanned external reliance.
Weight: 25% · 4 questions
Working Capital
How efficiently the business manages debtors, stock and creditors to free up cash.
Weight: 20% · 4 questions
Debt & Financial Resilience
The level of debt relative to earnings, the ability to service obligations, refinancing risk, and resilience to revenue shocks.
Weight: 20% · 4 questions
Financial Control & Visibility
The quality of management accounts, forecasting, KPI tracking and budget-vs-actual discipline that underpins financial decision-making.
Weight: 15% · 4 questions
How scoring works
Each response contributes to a category score (0–100), and category scores combine into an overall score using category weightings. Your result is classified using a traffic-light system:
Note: where a critical financial category scores in the Red zone, the overall result cannot be rated Green regardless of the weighted average — this ensures severe weaknesses are never hidden by stronger scores elsewhere.
Ready to begin?
It takes about 8 minutes. Your responses are saved as you go.