Free 10–15 minute self-assessment

Finance & Systems Health Scorecard

See where your financial visibility and back-office systems are strong, where they may be holding you back, and what to address first.

No signup required. Use the interactive version below or download the editable Excel workbook.

Download Excel workbookUse the online scorecard →

How it works

Score what is actually in place.

Choose the answer that best describes how the work happens today—not how you want it to work. The scorecard covers five areas: financial visibility, cash and forecasting, profitability and decisions, systems and workflow, and team ownership.

0 of 25 questions answered

01 · 25% of score

Financial Visibility

1. Monthly financial statements are available soon enough to influence decisions.
2. I can explain the main reasons gross margin changed from the prior month or plan.
3. Management reporting includes commentary or actions, not only accounting statements.
4. I can see the financial performance of the business at the level needed to make decisions.
5. The owner regularly reviews a small set of financial and operating KPIs.

02 · 20% of score

Cash & Forecasting

1. The business maintains a forward-looking cash forecast.
2. The forecast includes payroll, suppliers, debt, taxes, planned purchases, and other major commitments.
3. The forecast is updated with actual receipts and payments on a regular schedule.
4. I can see the effect of a large customer paying later than expected.
5. Hiring, vehicles, equipment, or expansion decisions are modeled before cash is committed.

03 · 20% of score

Profitability & Decision Support

1. I can identify which customers, contracts, jobs, or service lines are actually profitable.
2. Profitability analysis includes the labor and delivery costs required to do the work.
3. Pricing decisions are supported by cost, margin, and capacity information.
4. Major decisions are tested with more than one scenario or assumption.
5. After a major decision, actual results are compared with the original assumptions.

04 · 20% of score

Systems & Workflow

1. The same information rarely has to be re-entered into multiple systems.
2. Monthly reporting does not depend on repeated manual copy/paste or spreadsheet reconciliation.
3. Accounting, payroll, scheduling, CRM/job, and other key systems have clear handoffs.
4. Critical finance or office workflows are documented well enough for someone else to follow.
5. Automation or AI use has clear access limits, review steps, and human approval where needed.

05 · 15% of score

Team, Controls & Ownership

1. Someone clearly owns the cash forecast and keeps it current.
2. Someone clearly owns margin / profitability review and follows up on material variances.
3. Collection follow-up, approvals, and unusual transactions have clear responsibility.
4. The bookkeeper / office / finance team understands how its work supports management decisions.
5. New processes or tools include training, documentation, and follow-up after launch.

Finish all 25 questions to see your results.

Your results will show the five category scores, red flags, top three priorities, and a suggested starting point.

This is a diagnostic, not an audit.

The scorecard is designed to help an owner identify questions worth investigating. It does not provide assurance over financial statements, internal controls, or the completeness of your data.

Want to work offline? Download the editable Excel version →

Want a customized Finance & Systems Review? Elaine can review your reporting, forecasting, profitability visibility, workflows, systems, and team responsibilities and turn the findings into a prioritized action plan.