Xero financial health dashboard · Australia
Xero Financial Health Dashboard for Australian Businesses
Offermore is a Xero insolvency risk tool for Australian businesses. Connect your Xero account and monitor business financial health in real time — six solvency indicators, cash flow monitoring, and debtor aging, calculated daily from your live Xero data.
14-day free trial · No credit card required
What Offermore does
Xero business health monitoring, end-to-end
Every metric is calculated from your live Xero data and refreshed daily.
Six insolvency risk indicators
Ongoing losses, poor cashflow, increasing debt, overdue taxes and super, incomplete records, and problems collecting debts — calculated from your live Xero data.
Financial ratio dashboard
Current ratio, quick ratio, debtor and creditor days, working capital, gross and net margin, interest coverage, debt-to-equity and cash runway — tracked over time.
Debtor and creditor aging
Itemised aging tables showing who owes what, who you owe, and how long invoices have been outstanding.
12-month health history
A monthly heatmap of your overall health score so trends in financial health are visible at a glance.
Automatic daily sync
Offermore re-syncs your Xero data each day so the dashboard always reflects your current financial position.
Accrual or cash basis reporting
Switch reporting basis from the dashboard. Calculations re-run against the appropriate Xero report set.
Pricing
One plan, everything included
14-day free trial included
No credit card required to start.
Security & data handling
How your Xero financial reporting data is handled
Read-only Xero OAuth 2.0
Offermore connects through Xero's official OAuth 2.0 flow with read-only scopes. We never see or store your Xero password, and we cannot modify data in your Xero organisation.
Encrypted in transit and at rest
All traffic is served over TLS. Xero access and refresh tokens are stored encrypted at rest in our database.
Your data, used only for your dashboard
We use your Xero data exclusively to compute the indicators and ratios shown to you. We do not sell, share, or repurpose financial data.
Disconnect at any time
You can revoke the Xero connection from your account settings. Disconnecting deletes the stored tokens immediately.
Read the full privacy policy and terms of service.
FAQ
Frequently asked questions
What is Offermore?
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Offermore is a financial health dashboard for Australian businesses that connects to Xero and tracks six insolvency risk indicators, key financial ratios, and debtor and creditor aging in real time.
How does Offermore connect to Xero?
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Offermore uses Xero's official OAuth 2.0 authorisation flow with read-only scopes. You authorise the connection once in Xero and Offermore syncs your financial reports automatically. Offermore never sees or stores your Xero password.
What insolvency risk indicators does Offermore track?
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Offermore tracks six indicators drawn from Australian insolvency case law: ongoing losses, poor cashflow, increasing debt, overdue taxes and superannuation, incomplete records, and problems collecting debts. Each is calculated directly from your live Xero data.
Is my Xero data secure?
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Yes. Offermore connects through Xero OAuth 2.0 using read-only scopes, transmits data over TLS, and stores access and refresh tokens encrypted at rest. You can disconnect Xero at any time from your account settings, which immediately revokes access.
Who should use Offermore?
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Offermore is built for Australian business owners, accountants, and financial advisors who use Xero and want continuous visibility into financial health and insolvency risk indicators without manually pulling reports.
How do I monitor business financial health?
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The most efficient way to monitor business financial health is to connect a daily-syncing dashboard to your accounting system. Offermore reads your Xero balance sheet, profit & loss, cash flow, and aged receivables every day and surfaces six solvency indicators, ten financial ratios, and a 12-month health history — so you see trends in cash flow, profitability, and debt without rebuilding reports each month.
What is insolvency?
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Insolvency is when a business can no longer pay its debts as and when they fall due — even if it looks profitable on paper. It's more common than most owners realise, and the warning signs often appear months before things become serious. Learn how Offermore tracks insolvency risk for your business.
What are the early warning signs of insolvency in a business?
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The Australian insolvency framework recognises a consistent set of warning signs: ongoing trading losses, poor cashflow or shortening cash runway, increasing debt and liabilities exceeding assets, overdue taxes and superannuation, incomplete or unreconciled records, and problems collecting debts from customers. Offermore tracks all six directly from your Xero data and flags each as green, amber, or red.
What are business solvency indicators?
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Business solvency indicators are quantitative signals — drawn from balance sheet, profit & loss, and cash flow data — that show whether a business can meet its debts as they fall due. Common indicators include current ratio, quick ratio, working capital, debt-to-equity, cash runway, and consecutive loss periods. Offermore calculates these continuously from your Xero data alongside six insolvency risk indicators.
How much does Offermore cost?
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Offermore is AUD $29 per month and includes a 14-day free trial. No credit card is required to start the trial.