A
Axcell · CFO Pulse
Financial Health Score
← Back to Axcell
FREE · 5 MINUTES · NO CREDIT CARD

How Financially Healthy
is Your Business?

Answer 16 questions across 5 key dimensions. Get a personalised Financial Health Score with a free action plan — delivered to your inbox instantly.

5 min
To complete
16
Questions
5
Key areas scored
Free
No obligation
P
Profile
1
Visibility
2
Planning
3
Cash Flow
4
Compliance
5
Strategy
Company Profile0%
🏢
Company Profile
Help us personalise your results
💰
Section 1 of 5 · Financial Visibility
How clearly can you see your financial position?
⚖️ Highest Weight · 15% of total score
QUESTION 1 · CASH VISIBILITY
Do you know your exact cash balance right now?
Not last week — today. Can you state it within 60 seconds without asking anyone?
Yes — I know it immediately
Real-time visibility into all accounts at all times
Roughly, within a range
I have a general sense but not the precise figure
I'd need to check with someone
I rely on my accountant or team to tell me
I honestly don't know
Cash position isn't something I track regularly
📊
Section 1 of 5 · Financial Visibility
How clearly can you see your financial position?
⚖️ 7.5% of total score
QUESTION 2 · REPORTING SPEED
How quickly do you receive last month's financial report?
After month-end closes, when do you get management accounts in your hands?
Within 5 days
Fast close — I get actionable data quickly
6 – 14 days
Acceptable but could be faster
15 – 30 days
By the time I see it, the next month has already started
More than 30 days, or I don't receive one
Financial reports are irregular or absent
📈
Section 1 of 5 · Financial Visibility
How clearly can you see your financial position?
⚖️ 7.5% of total score
QUESTION 3 · KPI TRACKING
Can you state your gross margin % without checking a spreadsheet?
Key metrics should be at your fingertips — this tells us how embedded financial KPIs are in your business.
Yes — immediately
I track key KPIs and know them by heart
Roughly, within 10%
I have a general sense but not the exact figure
I'd need to check
I know where to find it but it's not top of mind
I'm not sure what my gross margin is
This metric is not currently tracked
🎯
Section 2 of 5 · Planning & Control
Are you managing the future, or just reporting the past?
⚖️ 5% of total score
QUESTION 4 · CASH FLOW FORECASTING
Do you have a cash flow forecast for the next 90 days?
A forecast shows where your cash is heading — not just where it has been.
Yes — a rolling 13-week forecast
Updated regularly and used in decision-making
A rough monthly projection
I have some visibility but it's not detailed
Only for the next 30 days or less
Very short-term view only
No forecast at all
I operate based on current balance only
📋
Section 2 of 5 · Planning & Control
Are you managing the future, or just reporting the past?
⚖️ 5% of total score
QUESTION 5 · BUDGET VS ACTUAL
Do you compare actual results to your budget every month?
Variance analysis is the difference between knowing what happened and knowing why.
Yes — every month with full commentary
We review budget vs actual and investigate variances
Sometimes, but not consistently
We do it when time allows or issues arise
We have a budget but don't track it monthly
The budget exists but isn't used as a management tool
We don't have a budget
No formal budget in place
📅
Section 2 of 5 · Planning & Control
Are you managing the future, or just reporting the past?
⚖️ 5% of total score
QUESTION 6 · ANNUAL FINANCIAL PLAN
Do you set a formal financial plan before the year begins?
An annual plan includes revenue targets, cost budget, headcount plan, and capex — reviewed before the year starts.
Yes — full annual plan approved before year-start
Targets, budgets, and KPIs are set and communicated
Partial — revenue targets only, loose on costs
Some planning happens but not a complete financial plan
Informal — general goals but no formal numbers
Plans exist in discussion but not documented financially
No annual financial planning
We operate month to month without a plan
📥
Section 3 of 5 · Cash & Collections
Is your working capital under control?
⚖️ 5% of total score
QUESTION 7 · ACCOUNTS RECEIVABLE
What percentage of your receivables are more than 60 days overdue?
Late receivables are one of the biggest hidden cash drains for Middle East SMEs.
Less than 10%
Excellent collection process in place
10 – 25%
Some overdue but manageable
25 – 50%
Significant collections challenge — impacting cash flow
More than 50%, or I don't track this
Receivables management needs urgent attention
📤
Section 3 of 5 · Cash & Collections
Is your working capital under control?
⚖️ 5% of total score
QUESTION 8 · PAYABLES MANAGEMENT
How do you manage supplier payments and accounts payable?
Payables management directly affects your cash position and supplier relationships.
Structured — payment calendar with approval workflow
We schedule payments, review aging, and control outflow
Managed — we pay on time but no formal system
Payments are handled manually but reliably
Reactive — we pay when suppliers follow up
No proactive process; payments happen on demand
No visibility — I'm not sure what we owe or when
Payables are not tracked or managed systematically
⚖️
Section 4 of 5 · Compliance & Risk
Are you protected from regulatory and financial risk?
⚖️ High Weight · 12.5% of total score
QUESTION 9 · TAX & ZAKAT COMPLIANCE
How confident are you in your tax and Zakat compliance?
This covers VAT filings, corporate income tax, Zakat (where applicable), and timely submissions to the relevant tax authority in your country.
Fully compliant — filings are always on time and accurate
We have a clear process; no penalties or outstanding filings
Mostly compliant — minor gaps or occasional delays
We comply but the process is not fully systematic
Partially compliant — I'm not fully sure of our status
There may be gaps I'm not aware of
Not confident — compliance is a known risk area
Filings are delayed, incomplete, or I lack visibility
🔍
Section 4 of 5 · Compliance & Risk
Are you protected from regulatory and financial risk?
⚖️ High Weight · 12.5% of total score
QUESTION 10 · EXTERNAL REVIEW
Has your business had an external financial review or audit in the last 2 years?
External reviews validate your books and expose hidden risks — banks and investors require them before any financing.
Yes — full statutory audit every year
Audited financials are prepared and filed annually
Yes — an external review or compilation
External accountant has reviewed our books recently
Not in the last 2 years
We haven't had an external review recently
Never — our books have never been reviewed externally
No external validation of our financial records
🧠
Section 5 of 5 · Strategic Finance
Is finance driving your business forward?
⚖️ 7% of total score
QUESTION 11 · FINANCIAL DECISION MAKING
When making major business decisions, do you use financial modelling?
Hiring, expansion, new products — these decisions should be backed by numbers, not just instinct.
Always — I build or commission models before major decisions
Every significant decision is backed by financial analysis
Sometimes — for bigger decisions
I model some decisions but not all
Rarely — mostly gut feel with some numbers
I rely more on experience than formal models
I don't use financial modelling
Decisions are made without formal financial analysis
⚙️
Section 5 of 5 · Strategic Finance
Is finance driving your business forward?
⚖️ 7% of total score
QUESTION 12 · FINANCE FUNCTION
How would you describe your current finance function?
This tells us whether finance is driving your business or just keeping up with it.
Strategic — finance actively shapes our decisions
We use finance proactively to drive growth and efficiency
Functional — it works but could be more strategic
Finance runs smoothly but isn't a competitive advantage
Reactive — we fix problems as they arise
Finance is mostly a compliance and reporting function
Minimal — very basic bookkeeping only
Finance is underdeveloped relative to business size
🚧
Section 5 of 5 · Strategic Finance
Is finance driving your business forward?
⚖️ 6% of total score
QUESTION 13 · BIGGEST CHALLENGE
What is your single biggest financial challenge right now?
Be honest — this helps us tailor your action plan specifically to your situation.
Cash flow — I never have enough visibility or buffer
Cash timing and liquidity management
Profitability — I'm busy but margins are thin
Revenue is there but not enough profit
Compliance — tax, Zakat, or regulatory obligations
Staying on top of filings and requirements
Reporting — I don't get the information I need, when I need it
Slow, incomplete, or inaccurate financial information
Almost there — where should we send your results?
Your personalised Financial Health Score, section breakdown, and action plan will be sent to your inbox — free, instantly, no strings attached.
🔒 We respect your privacy. No spam, ever. Unsubscribe anytime.
0/100
Score by Area

Get Started at axcellservice.com →
✓ No credit card required  ·  ✓ No sales call  ·  ✓ Cancel anytime
Need a Dedicated Finance Team?
Explore Outsourcing — Egypt · KSA · UAE →
Bookkeeping · Accounting Teams · Finance Managers