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Free tool
Free CFO Health Check
Upload your trial balance and see your business the way a CFO would: a health score, margins, cash outlook and the issues that need your attention, in a few minutes.
- Free and instantResults appear as soon as your file is read.
- Private by designYour file is analysed in your own browser. Nothing is uploaded to our servers.
- Backed by advisersThe full report is reviewed by our CFA-qualified team.
How it works
Four steps to a clearer picture.
- Export your trial balanceYear to date from your accounting system. Last month's too, if you have it.
- Upload it belowExcel or CSV. Accounts are sorted automatically; you can adjust any of them.
- See your health checkScore, key figures and the main findings, straight away.
- Get the full reportSend us your files for a full, adviser-reviewed CFO report.
Your health check
Start with "Upload your data".
The demo company shows what you'll see. Prefer more detail? Upload the full data pack instead: sales, receivables, payables, stock and bank.
The health check is general guidance based on the figures you provide. It is not audited and is not investment, legal or tax advice.
Full CFO report
Everything behind the score, and what to do about it.
Send us your files and a JH&A adviser returns a branded report, followed by a call to walk you through it.
Findings with recommendations
Every issue we find, why it happened, what to do and what it is worth to your profit or cash.
13-week cash forecast
Week by week, your lowest cash point and how much cushion the business needs.
Scenarios
The effect of falling sales, price changes, supplier increases and faster collections on profit and cash.
Profit & loss review
Monthly results, margin trend, cost structure and your break-even sales.
Working capital
Customer, supplier and stock days, overdue balances and slow-moving stock.
Profitability
Which products and customers make money, and which cost you money (with sales data).
Questions
Free CFO health check: common questions.
What is a CFO health check?
A quick review of your company's finances the way a chief financial officer would see them: profitability, margins, cash outlook, receivables, payables and stock, with the issues that need attention.
Is the CFO health check really free?
Yes. Uploading your trial balance and seeing your health score, key figures and main findings is free. The full, adviser-reviewed CFO report is a paid service.
Which files do I need?
Your year-to-date trial balance is enough, and last month's trial balance helps show the latest month on its own. For a deeper analysis you can add sales, receivables, payables, stock and bank balances using our Excel template.
Is my financial data safe?
Your file is analysed inside your own web browser and is not uploaded to our servers. Only the files you choose to send us for the full report reach JH&A.
Who is it for?
Small and medium-sized businesses in Lebanon, Nigeria and the GCC, such as traders, distributors, retailers and service companies, that want CFO-level insight without a full-time CFO.
What does the full CFO report include?
Profit and loss, cash flow and a 13-week forecast, a 12-month outlook, sales and profitability, inventory, receivables, payables, what-if scenarios, recommendations and our advisers' comments.
Want the full picture?
Email us your trial balance, or the full data pack, and we will prepare your CFO report.