Books currency
How far behind your records are. Weighted heaviest because every other number is unreliable when this one is bad — and because cleanup cost rises the longer it runs.
18%
Free tool · No email required
How healthy are your books, really?
A financial health score measures how reliable and useful your business's financial records are. This free assessment scores eight areas — how current your books are, whether accounts are reconciled, cash visibility, receivables, tax readiness, account separation, reporting cadence and margin knowledge — and returns a score from 0 to 100, the three things to fix first, and the plan that fits. It takes about two minutes and nothing is required to see your result.
Method
What the score measures, and why each part is weighted the way it is.
Reconciliation
Whether the books actually agree with the bank. Unreconciled accounts hide duplicate charges, missed deposits and fraud.
14%
Cash visibility
Whether you can see a shortfall before it arrives. Profitable businesses fail on cash timing, not on profit.
14%
Tax readiness
Whether your position is tracked through the year. Penalties and interest compound, and surprises force bad short-term decisions.
14%
Receivables
Whether you know who owes you and for how long. Uncollected invoices are the most common hidden cash problem in small businesses.
12%
Account separation
Whether business and personal money are mixed. Commingling inflates cleanup cost and can weaken liability protection.
10%
Reporting cadence
Whether anyone reads the numbers. Records nobody looks at are a compliance exercise, not a management tool.
10%
Margin knowledge
Whether you know which work makes money. Lowest weight because it's the last thing to build — but it's where growth decisions are won or lost.
8%
This is a self-assessment, not an audit. It reflects what you tell us about your own processes. A books diagnostic — where we review 90 days of your actual records and send a written findings memo — is the real version.
Questions
About this assessment.
What is a good financial health score?
A score of 80 or above means your books are current, reconciled and actually being used to make decisions. Between 60 and 79 the foundation is sound but there are gaps costing you money or time. Between 35 and 59 you are deciding on incomplete information. Below 35, cleanup has to come before anything else — the numbers you have cannot be trusted.
Do I need to enter my email to see the result?
No. The score appears as you answer and nothing leaves your browser — there is no server, no tracking of your answers, and nothing to submit.
How accurate is a self-assessment?
It is directionally accurate and deliberately blunt. It measures your processes, not your actual records, so it will miss errors you don't know about — which is usually the point where a real diagnostic finds the expensive problems. Treat the score as a triage tool, not a verdict.
What happens after I get my score?
Nothing automatic. If the result is useful, book a free 30-minute consultation. If you'd like the real version, ask for the books diagnostic: we review your last 90 days and send a written findings memo with a fixed quote, within five business days.
Bring us your worst month.
Thirty minutes, no cost, no pitch deck. We'll tell you what we'd fix first and roughly what it would cost — even if the answer is that you don't need us yet.