Where is the cash, how much is left to collect, how much is left to pay, and is there enough to cover payroll for the next three months? SBK's financial analysis module helps you understand the truth behind the books across three core dimensions — cash flow + aging + gross margin.
From aging to cash flow, from gross margin to cost structure — every figure maps to a decision
Five aging tiers — 30 / 60 / 90 / 180 / 180+ days — to identify bad-debt risk
Aging by supplier, avoiding missed payment dates that hurt your credit
Forecast cash inflows and outflows for this month / quarter, with funding-gap alerts a month ahead
Break down gross margin by product / customer / sales rep to identify low-margin "traffic items"
View cost structure by category share, with monthly expense trends YoY and MoM
A must-see CFO dashboard: cash / receivables / payables / gross margin all on one screen
Aging Distribution
The recovery odds for a customer owing for 90 days versus 180 days are worlds apart. SBK automatically grades receivables into 5 aging tiers, flagging those past 90 days in yellow and past 180 days in red, with finance + sales following up jointly to avoid them becoming dead debts a year later.
3-Month Rolling Net Cash Flow ($K)
Compare the trend of cash inflows (confirmed receivables coming in) vs outflows (signed payables + payroll + rent + taxes) for this month / next month / the month after, spotting funding gaps in advance to arrange financing or scheduling in time.
The CFO opens the dashboard — receivables / payables / cash / gross margin all on one screen, delivering the core monthly figures in 5 minutes.
Big accounts with receivables over 90 days have their credit limits auto-lowered next quarter to keep risk from escalating.
Seeing a product's gross margin fall below 5% for 3 straight months, launch a repricing or phase-out to stop the bleeding.
Forecasting a ¥2M cash gap next quarter, start the bank credit-line process in advance to avoid emergency borrowing.
Receivable data is the source of aging analysis and cash-flow forecasting
Payable data is the source of payment plans and funding-gap forecasting
Expense aggregation is the basis for cost structure and gross-margin breakdown
Collection and payment transactions are the foundation of cash-flow analysis
Sign up to experience financial analysis for free