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Executive Financial Intelligence

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Cash position

$4.28M

▲ 3.2% vs June

Revenue · MTD

$1.86M

▲ 1.6% vs June

Expenses · MTD

$1.21M

▼ 11.0% vs June

Net cash flow

+$652K

▲ Strongest month YTD

Petty cash

$12.4K

2 reconciliations pending

Cash flow · trailing 12 months$M

Open alerts2 high

HighAfter-hours wire · $48,200

Initiated 02:14 by j.reyes — outside approval window.

HighDuplicate invoice detected

INV-2291 mirrors INV-2287 · Apex Logistics · $9,840.

MediumNew-vendor payment velocity

Corvex Ltd — 3 payments within 48h of creation.

Income vs expenses · last 6 months$M

Key ratios

Current ratio

2.41

Quick ratio

1.83

Gross margin

61.4%

Op. margin

23.8%

Burn / month

$1.28M

Runway

14.2mo

Ratios recomputed nightly from the posted ledger. Balance sheet detail lives in Reports.

Recent transactionsLedger · live feed

Date	Description	Category	Source	Amount	Status
17 Jul	Meridian Legal — retainer	Professional fees	Bank sync	−$14,500.00	Cleared
17 Jul	Halloran Group — milestone 3	Client revenue	Bank sync	+$226,000.00	Cleared
16 Jul	Wire transfer — j.reyes	Uncategorised	Bank sync	−$48,200.00	Flagged
16 Jul	NovaCloud — infrastructure	SaaS & hosting	Bank sync	−$21,340.00	Cleared
15 Jul	Apex Logistics — INV-2291	Logistics	PDF statement	−$9,840.00	Flagged
15 Jul	Petty cash top-up — HQ	Petty cash	Manual entry	−$2,000.00	Cleared
14 Jul	Receipt · client dinner (scan)	Entertainment	Receipt scan	−$412.80	Review
14 Jul	Brightline Media — Q3 deposit	Client revenue	Excel import	+$88,500.00	Cleared

Analytics

Trends, comparisons and composition of the ledger

Revenue · year over year$M

FY26 revenue is tracking 12.9% above FY25 on a like-for-like monthly basis.

Expense composition · MTD

Top vendors · trailing 90 days$K

Corvex Ltd is a new vendor with unusual payment velocity — cross-referenced in Fraud Watch.

Forecasts

Regime-switching (Markov) projection on 24 months of posted ledger · simulated output

Net cash flow · 6-month projection$M · 80% band

Financial health

78of 100

Bankruptcy risk · 24 mo

2.1%

Liquidity stress

Low-mid

Revenue concentration

Watch

Expense volatility

Stable

Top client represents 31% of trailing revenue. The model suggests diversification before extending fixed costs.

Revenue · next quarter

$5.71M

▲ 7.4% projected

Expenses · next quarter

$4.02M

± 3.1% band

Cash · projected Oct

$5.9M

▲ Base case

Model confidence

80%

Interval shown on chart

Fraud Watch

Anomaly detection across the posted ledger, bank feed and document uploads

HighAfter-hours wire transfer · $48,20016 Jul · 02:14

Initiated by j.reyes outside the configured approval window (08:00–19:00). Beneficiary account first seen 11 days ago. Anomaly score 0.94.

HighDuplicate invoice · Apex Logistics15 Jul

INV-2291 ($9,840.00) matches INV-2287 on amount, PO reference and line items. Second payment is held pending your decision.

MediumRound-amount card patternPast 6 days

14 corporate-card charges of exactly $500.00 across 3 cardholders — consistent with limit-testing. Receipts attached for 5 of 14.

MediumNew-vendor payment velocity · Corvex Ltd12–14 Jul

Vendor created 12 Jul; 3 payments totalling $61,200 within 48 hours. No contract on file in Documents.

LowPetty cash variance · HQ9 days open

$220.00 unreconciled against the HQ float. Custodian: m.osei. Suggested action: request receipts.

Detection coverage

Bank feed

Live

Card programme

Live

Invoice matching

Partial

Payroll

Not connected

Alerts also delivered by SMS and email to the primary user in real time.

30-day summary

Alerts raised

17

Confirmed issues

3

Amount held

$58K

False-positive rate

41%

Reports

Board-ready exports from the posted ledger

Excel

Full ledger with live formulas, ratio sheet and pivot-ready transaction detail.

PDF

Formatted executive pack — balance sheet, cash flow, P&L and audit annex.

PowerPoint

Presentation-ready board deck with charts rendered in the house style.

SQL

Raw relational export for your warehouse — schema documented, keys preserved.

Recent exports

Generated	Report	Range	By	Shared with
14 Jul	PDF pack · Q2 close	Q2 2026	A. Whitmore	Board (5)
02 Jul	Excel workbook · H1 ledger	Jan–Jun 2026	D. Karim	—
28 Jun	PowerPoint · investor update	Trailing 12 mo	A. Whitmore	Delegates (2)

Team & Access

You define what every secondary user can see and do

Users

User	Role	Visibility	Approve payments	Export data	Manage vendors
A. Whitmore CEO · you	Primary	All entities	Always	Always	Always
D. Karim Finance director	Secondary	All entities
J. Reyes Accounts payable	Secondary	Payables only
M. Osei Office manager	Secondary	Petty cash only

J. Reyes triggered a high-severity alert on 16 Jul — payment approval is disabled for this user pending your review.

Data sources

Bank connection

2 accounts

Excel imports

Monthly

PDF statements

Auto-parsed

Receipt scanning

Mobile

Security

Ledger encrypted at rest (AES-256). Sign-in protected by SMS one-time codes. Every access attempt is written to an immutable audit trail, exportable from Reports.

AES-256SMS OTPAudit trailGDPR

iMonetary · Private console · Overview reflects live account data. Other panels currently show sample data pending Phase 1 build-out.