Sample report · Halden Coffee Co.
This is a complete Fincharta report for one month: health score, trends, forecast and a plain-English summary, with a year of earlier monthly statements behind its trends and forecast. The numbers are for a fictional company.
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Live·Period 01 Sept 2026 – 30 Sept 2026
58/100
FairData quality: 9/10
Full ControlCompleteGrowing

Financial Snapshot

Mixed performance. Some areas need attention; the score breakdown shows which.
Income+£38.2k
Expenses-£35.3k
Net Cash Flow+£2.9k
✓
Verified against your statementThe money in and money out we read match the totals printed on your statement.
Plain-English Summary

September was your best sales month yet: £38,200 in, against £10,600 in August.

So why the amber score? Mainly cash. You ended the month with just £900 in the bank, having started it overdrawn, so there is no buffer if a payment is late. Your income is lumpy too: Braxton Wholesale, 68% of this month's takings, pays in big drops, and the months between bring in about £10,500. The thing to watch is timing: a £4,700 stock reorder and your £4,100 VAT bill both land in late November, before Braxton's £14,000 payment arrives on 20 December. Your planned bills take the balance into your £5,000 overdraft, but not beyond it, with the lowest point around 2 December. You're not in trouble yet. Move the reorder until after that payment lands and the balance stays in credit. Fincharta keeps watching as new statements come in.

Score Composition
 Cost control is your strongest area·Watch: Cash buffer

4 areas, each weighted by how much it matters. Tap any row to learn more.

0–50 50–70 70+
Cash buffer
ATTENTION
40/100
Score capped at 45 because cash at the end of the period (£900) was under £1.0k.
Worth 24% of your score+9.6 pts
Runway
ATTENTION
45/100
No run-out: money in covers money out. The score is capped at 45 because cash at the end of the period (£900) was under £1.0k, so there is little room for a bad month.
Worth 28% of your score+12.6 pts
Income consistency
FAIR
69/100
Worth 24% of your score+16.6 pts
Cost control
STRONG
81/100
Worth 24% of your score+19.4 pts
Your health score
All 4 areas combined → one number
58/100
Opening Balance
-£2.0k
Balance carried forward from prior period
Net Cash Flow
£2.9k
You kept 8% of what you earned
Total Income
£38.2k
Total Expenses
£35.3k
92% of revenue went to costs
Monthly Burn
£0
Profitable period
Runway
No run-out
Relies on the overdraft
Cash Balance
£900
Overdraft Headroom
£5.0k
of £5.0k arranged overdraft limit remaining
Cash Flow

You brought in £38.2k, spent £35.3k, keeping 8% of what you earned.

Cash Flow Story
Where your money went
Income minus expenses — the bottom line for this period.
Income received
+£38.2k
Expenses paid
-£35.3k
Net cash flow
+£2.9k
Where Your Income Came From
Braxton Wholesale£26.0k · 68%
Direct Online Sales£5.3k · 14%
Farmers Market Stall£3.1k · 8%
Cafe Trade Counter£2.3k · 6%
Subscription Boxes£1.5k · 4%
High concentration risk: Braxton Wholesale is 68% of your income. That is heavy dependence on one source, and losing them would be serious. Building other revenue behind it should be a priority.
Runway Position
How long the cash lasts
No run-out
At the current rate, relying on the overdraft
0 mo
Critical
3
Caution
6
Healthy
1218+
Strong
Cash Runway Analysis
Runway
No run-out
Planned bills take the balance into the £5.0k overdraft. The lowest planned point is about -£3.8k around 2 Dec 2026, leaving £1.2k.
Monthly Burn
£0
Profitable period
Data Quality
Data quality score
STRONG
9.0/ 10
Transaction Rows180
Validationpass
Report IDSAMPLE
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