Skip to content
Display currency

Prices and calculators adapt to your market.

Site language

Choose your preferred browsing language.

Account Login

Free self-assessment

How financially healthy is your business?

Answer 15 quick questions about profitability, cash, debt and financial controls. Get a score out of 100 and a short, practical action plan.

Takes about 3 minutes 15 questions · Free

Four areas, 25 points each

  • 1 Profitability Margins, revenue trend and how consistently you make a profit.
  • 2 Liquidity Cash runway, customer payment speed and forecasting.
  • 3 Debt How much you owe and whether repayments and taxes are on time.
  • 4 Controls Bookkeeping, reconciliations, approvals and reporting.

What you get

A clear picture in minutes

1

A score out of 100

One clear number, plus a band from Critical to Strong so you know where you stand.

2

Scores for 4 key areas

See how profitability, liquidity, debt and controls each contribute to your score.

3

Your top 3 priorities

The answers holding your score back most, so you know what to fix first.

4

A printable report

Practical recommendations you can save as a PDF and share with your team or adviser.

FAQ

Frequently Asked Questions

Yes. The assessment and your report are free. There is no obligation to buy anything.
Each of the 15 answers is worth 0 to 4 points. Your points in each of the four areas are converted to a score out of 25, and the four area scores add up to your total out of 100.
No. Answer with your best estimate. The score is a quick self-assessment, not an audit, so approximate figures are fine.
Your answers and contact details are stored securely and used to prepare your report and, with your consent, to follow up about it. Your report link is private to you.
Start with your top three priorities. If you would like help, book a free 15-minute review and a Karobex expert will walk you through the next steps.

Financial Health Score

Answer 15 quick questions

Choose the answer that fits your business best. Estimates are fine.

Step of · / questions answered

Profitability

Part 1 of 4 · 25 points

Profitability

Margins, revenue trend and how consistently you make a profit.

1. Net profit margin over the last 12 months *

Please choose an answer.

2. Revenue compared with last year *

Please choose an answer.

3. Do you know your gross margin? *

Please choose an answer.

4. How many of the last 12 months were profitable? *

Please choose an answer.

Liquidity

Part 2 of 4 · 25 points

Liquidity

Cash runway, customer payment speed and forecasting.

5. Cash in the bank covers how many months of expenses? *

Please choose an answer.

6. Could you pay all bills due in the next 3 months from cash plus money owed to you? *

Please choose an answer.

7. How fast do customers usually pay? *

Please choose an answer.

8. Cash flow forecasting *

Please choose an answer.

Debt

Part 3 of 4 · 25 points

Debt

How much you owe and whether repayments and taxes are on time.

9. Total debt compared with annual revenue *

Please choose an answer.

10. Loan repayments in the last 12 months *

Please choose an answer.

11. Overdue taxes or supplier payments *

Please choose an answer.

Controls

Part 4 of 4 · 25 points

Controls

Bookkeeping, reconciliations, approvals and reporting.

12. Bookkeeping *

Please choose an answer.

13. Bank reconciliations *

Please choose an answer.

14. Payment approvals *

Please choose an answer.

15. Reporting and filings *

Please choose an answer.

Last step

Where should we send your report?

Your score appears straight away, and we email you a private link to your full report.

Please answer every question on this step.

This score is an indicative self-assessment based on your own answers. It is not financial, tax or legal advice.

real people on the other side

Prefer to talk it through?

Book a free 15-minute review and a Karobex expert will help you decide what to fix first.

— no obligation, no spam, no resold contact details