Business financial health tool
Financial Health Analyzer
Assess company financial health from one consistent set of balance-sheet and income-statement inputs. The live analyzer returns a Business Health Score plus area status for profitability, liquidity, leverage, efficiency, and cost structure.
What you get
A structured score and area statuses from the fields you enter—not a disconnected list of ratios. Use it for owner review, month-end orientation, and before deeper cash-flow or debt analysis.
Live tool inputs
What you enter
Basic information
- Business year
- Number of employees
- Currency
- Region
- Industry / sector
- Country
Balance sheet
- Cash
- Receivables
- Inventory
- Total liabilities
- Equity
Income statement
- Total revenue
- Cost of goods/services
- Operating expenses
- Operating profit
- Net profit
- Depreciation & amortization (optional)
Results
What the analyzer returns
Business Health Score
An overall score and label for the period entered, based on the same input set.
Five area statuses
Profitability, liquidity, leverage, efficiency, and cost structure—each with its own status so one weak area is not hidden by a middling total.
Benchmark context
Where shown, benchmark coverage and analysis confidence indicate how complete the contextual comparison is. Ranges are approximate thresholds, not an absolute verdict on the business.
Free preview and full report
The free preview shows the Business Health Score, five area statuses, benchmark context and coverage, analysis confidence, and limited priority conclusions.
When a full report is offered through the tool, it may include a detailed roadmap, root causes, strengths, risks, detailed analysis, a technical appendix, and PDF export.
Audience
Who should use it
Business owners
Periodic financial orientation from one consistent statement set.
Management teams
Identify which area needs attention first before deeper operational work.
Finance and controlling teams
Consistent review of financial statements across periods.
Advisors and partners
Initial screening before deeper professional analysis. It does not replace audit, valuation, lender assessment, or due diligence.
How the analysis works
- Enter one consistent set of company, balance-sheet, and income-statement data.
- The analyzer applies predefined formulas, contextual thresholds, and deterministic diagnosis rules.
- Read the total Business Health Score together with five area statuses, benchmark coverage, and analysis confidence.
Representative examples:
- Profit margin = Net profit / Revenue
- Simplified liquidity indicator = (Cash + Receivables + Inventory) / Total liabilities
- Simplified leverage indicator = Total liabilities / Equity
FAQ
Common questions
What data do I need?
Basic company context plus balance-sheet and income-statement fields for one currency and one reporting period, as listed above.
What does the free preview show?
Business Health Score, five area statuses, benchmark context and coverage, analysis confidence, and limited priority conclusions.
How should I interpret the Business Health Score?
Read it with the five area statuses. A middling total with one weak area is a different signal from the same total with balanced areas.
Does this replace professional financial advice?
No. It is an educational orientation tool and does not replace accounting, audit, tax, lending, valuation, or investment advice.
Recommended next step
Open the live analyzer with disciplined inputs, then read the methodology overview if you need the field-by-field reading workflow and a verified sample run.
Reviewed by ZBI editorial
Financial Health Analyzer — scope and fit
This landing introduces the structured assessment that scores liquidity, profitability, leverage, and efficiency from balance-sheet and P&L inputs. Controllers run it before board packs, bank covenant reviews, or annual planning when spreadsheet tabs disagree. Pair the overview here with the live analyzer tool for a repeatable baseline you can refresh each quarter.