Payment protectionDetails
- Revisions within the package are free.
- If you do not respond within 3 days of delivery, the work is accepted automatically.
The money is reserved when you pay and released only once you accept the work.
Example result
12-month forecast: a coffee kiosk at a ferry terminal
Key assumptions
| Assumption | Value | Source |
|---|---|---|
| Average check | $6.50 | Owner's menu |
| Ingredients and cup per sale | $1.90 | Supplier price list |
| Card fees | 2.5% of revenue ($0.16) | Payment terminal tariff |
| Fixed costs per month | $9,000 | Rent $1,800, staff $6,400, utilities $350, other $450 |
| Start-up spend | $38,000 | Machine and grinders, fit-out, opening stock |
| Loan repayment | $600 per month | Loan offer |
Unit economics
- Revenue per cup: $6.50
- Variable cost per cup: $2.06
- Contribution per cup: $4.44 (68% margin)
Break-even point
$9,000 ÷ $4.44 = 2,027 cups a month, about 68 cups a day over 30 days. The forecast reaches it in month 3.
Monthly forecast
| Month | Cups sold | Revenue, $ | Profit, $ | Cash at month end, $ |
|---|---|---|---|---|
| 1 | 1,500 | 9,750 | −2,340 | 4,060 |
| 2 | 1,900 | 12,350 | −564 | 2,896 |
| 3 | 2,300 | 14,950 | 1,212 | 3,508 |
| 4 | 2,600 | 16,900 | 2,544 | 5,452 |
| 5 | 2,900 | 18,850 | 3,876 | 8,728 |
| 6 | 3,100 | 20,150 | 4,764 | 12,892 |
| 7 | 3,300 | 21,450 | 5,652 | 17,944 |
| 8 | 3,300 | 21,450 | 5,652 | 22,996 |
| 9 | 3,100 | 20,150 | 4,764 | 27,160 |
| 10 | 2,900 | 18,850 | 3,876 | 30,436 |
| 11 | 2,800 | 18,200 | 3,432 | 33,268 |
| 12 | 3,000 | 19,500 | 4,320 | 36,988 |
Year 1 totals: revenue $212,550, operating profit $37,188, cash at year end $36,988.
What the numbers say
- Months 1–2 are the tight spot. Cash drops to about $2,900 in month 2. Keep at least $3,000 in reserve or delay one hire until month 3.
- Summer carries the year. Months 5–9 bring about two-thirds of annual profit, so plan marketing and staff holidays around them.
- Price matters more than volume. Raising the average check by $0.50 lifts year 1 profit by about $16,900; selling 10% more cups adds about $15,000.
- Payback. At the current pace, the $38,000 start-up spend is covered in roughly 13 months.
All formulas are live in the Excel file: change any yellow cell on the Assumptions sheet and every month updates.
Client: Morning Dock, a coffee kiosk opening in March at a commuter ferry terminal. Owner's investment $25,000 plus a $20,000 equipment loan.
The client and all details are made up.
About this service
Many owners receive a profit and loss statement and a balance sheet from their accountant and are not sure what they say. Send us the statements as PDF, Word or Excel, and we explain each section in plain words: where the money came from, where it went, why profit and cash differ and what the main ratios show. You also get a short list of questions worth asking your accountant.
What is included
- What you getA plain-language explanation of your statements with key ratios, period-to-period changes and questions for your accountant, as text and as a .docx file, plus an .xlsx file with the ratio table. It explains your figures and is not financial, tax or investment advice.
- Line by line in plain wordsRevenue, margins, expenses, equity
- Profit vs cashWhy the bank balance looks different
- Key ratiosMargin, liquidity, debt, turnover
- Changes between periodsWhat grew, what shrank and why it matters
- Questions for your accountantPoints worth clarifying
How it works
- 1UploadYou attach the statements
- 2ReadingWe go through every section
- 3DeliveryYou get the explanation and files
What we need from you
Your profit and loss statement and balance sheet as PDF with a text layer, Word or Excel (two periods are best), what the business does and what you want to understand.
We will ask you:
- What does your business do?
- Which periods do the statements cover?
- What do you most want to understand?
Compare packages
| Packages | BasicOne statement explained$15 | StandardP&L and balance sheet$35 | PremiumTwo periods compared$69 |
|---|---|---|---|
| Deadline | 1 day | 2 days | 4 days |
| Revisions | 1 | 2 | 3 |
| Statements | 1 | 2 | 2 |
| Periods | 1 | 1 | 2 |
| Ratio table | No | Yes | Yes |
| Delivered as | text and .docx | text, .docx and .xlsx | text, .docx and .xlsx |
| Order Basic | Order Standard | Order Premium |
Payment protection
You pay when you order, but the money is released only for accepted work.
- Fixed priceThe package price does not change after you pay.
- The money is reservedWhen you pay, the amount is only reserved. It is released to the service once you accept the work.
- Checked before deliveryEvery result goes through a quality check before it reaches you, and you see it on the order page before accepting it.
- Free revisionsAsk for changes within your brief as many times as the package allows.
- Acceptance after 3 daysIf within 3 days of delivery you neither accept the work nor ask for changes, it is accepted automatically. If you write in the order chat after delivery, the order waits; once we answer, we may start the 3 days again and will say so in the chat.
- Redo or a full refundIf the result does not match your brief and the revisions did not fix it, or the work takes more than twice its deadline, write in the order chat: we will redo the work or refund the payment in full.
Questions and answers
Is this financial advice or an audit?
Neither. We explain what your statements show. We do not verify the figures, prepare taxes or tell you what to invest in.
Can you read a scanned statement?
No. We read PDFs with selectable text, Word and Excel files. Ask your accountant for a digital export if you only have a scan.
Which accounting standards do you know?
We explain statements in the usual international and local formats. Where a line follows a country-specific rule, we say so and suggest asking your accountant.