Business Profit Health Scanner
Free tool · US & Canada
Is your business as profitable as it should be?
Enter figures from your profit & loss statement and balance sheet. The scanner scores nine profit and cash health signals for your industry, flags where money is leaking, and estimates what fixing each leak could be worth per year.
- No signup to see results
- Runs in your browser — numbers aren’t uploaded
- Industry-specific guide ranges
Your profit health report
Enter at least your revenue and expenses, then select Scan my profit health.
Want an accountant to walk through these results?
Send your scan to AccoTiva. A bookkeeper will review the signals that need attention and reply within one business day with practical next steps — no obligation.
Prefer to talk first? Book a free 30-minute consultation →
What the scanner checks
Profitability
Gross margin, operating margin, payroll, rent and marketing as a share of revenue — compared with guide ranges for your industry. Restaurants also get a prime-cost check.
Cash & liquidity
Months of cash runway at your current spending, whether cash plus receivables covers what you owe, and whether operating profit comfortably covers loan payments.
Collections & growth
Days sales outstanding (how long customers take to pay) and revenue growth against the same period last year.
Guide ranges are AccoTiva’s general rules of thumb for small businesses in each sector, not published industry benchmarks. Your own targets depend on your pricing model, location and stage of growth — and on books that are accurate in the first place.
Profit health: common questions
What is a good profit margin for a small business?
It varies by industry. As a rough guide, many service businesses aim for operating margins of 10% or more, restaurants often run at 3–9%, and software or professional firms can exceed 15%. The scanner applies different guide ranges for each industry.
What is the difference between gross margin and operating margin?
Gross margin is revenue minus the direct cost of what you sell, as a percentage of revenue. Operating margin also subtracts overheads such as payroll, rent, marketing and software, so it shows what the business earns from day-to-day operations.
How many months of cash should a small business keep?
A common rule of thumb is at least three months of operating expenses. Seasonal businesses or those with lumpy contracts often keep more. The scanner calculates your runway from cash on hand and your average monthly spending.
What is days sales outstanding (DSO)?
DSO is the average number of days customers take to pay you. It is calculated as accounts receivable divided by revenue per day. Lower is better; anything well beyond your payment terms means cash is tied up in unpaid invoices.
Where do I find the numbers to enter?
Use your profit and loss statement for revenue and expenses, and your balance sheet for cash, accounts receivable and accounts payable. If those reports are out of date or unreliable, the scores will be too.