How Financially Healthy is Your Business?

Are You Ready to Scale?

Instructions: Answer the following 12 questions by selecting the option that best describes your current business situation. At the end, you’ll receive a personalised report based on your score to guide you towards a financially healthier business.

Full Name *

Email *

Phone *

Organisation

Company Type

Ltd Co

Sole Trader

Annual Turnover

Website

How organised is your cash flow with separate accounts for different purposes (e.g., profit, taxes, operating expenses)?

I have no separate accounts; everything is in one account.

I have some separation but not consistently applied.

I use dedicated accounts for key areas like profit and taxes.

How regularly do you review and eliminate unnecessary expenses in your business?

Rarely or never—I don’t track them closely.

Occasionally, but it’s not a structured process.

Regularly, with a clear process to cut non-essential costs.

How consistently do you allocate a percentage of revenue for your own pay as a business owner?

I don’t pay myself a regular amount.

I pay myself sporadically when there’s extra cash.

I allocate a set percentage of revenue for my pay first.

How much progress have you made in eliminating personal debt?

I have significant personal debt and no plan to address it.

I’m making minimum payments but not reducing it quickly.

I have a plan and am actively reducing or eliminating it.

Do you have a strategy to manage or reduce business debt effectively?

I have no strategy for business debt.

I’m aware of it but haven’t formalised a plan.

I have a clear plan to manage and pay it down.

How confident are you that your pricing covers all expenses, taxes, profit, and your pay?

Not confident—my pricing is based on competition.

Somewhat confident—my pricing covers some costs.

Very confident—my pricing reflects all key financial needs.

How prepared are you for tax obligations with a dedicated savings percentage?

I don’t set aside anything for taxes.

I set aside some money but it’s inconsistent.

I allocate a specific percentage regularly for taxes.

How often do you review key performance indicators (KPIs) to track profitability and scale?

Rarely or never—I don’t track KPIs.

Occasionally, but it’s not systematic.

Regularly, with a system to monitor trends.

Do you have a plan to identify and invest in the most profitable products or services to support scaling?

No, I don’t focus on profitability by product.

Somewhat, but it’s not a priority yet.

Yes, I actively target high-profit areas.

How prepared are you with financial buffers or insurance for unexpected challenges?

I have no buffers or insurance in place.

I have some savings or insurance but it’s limited.

I have robust buffers and appropriate insurance.

Have you assessed whether your business is scalable, sellable, or transferable based on systems and processes?

No, I haven’t evaluated these options.

I’ve thought about it but lack a clear plan.

Yes, I have a strategy for my next phase.

Do you have a written roadmap aligning your financial goals with your business scaling plan?

No, I don’t have a roadmap.

I have a rough idea but it’s not documented.

Yes, I have a detailed, evolving roadmap.