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Health History
Prior months reflect the most recent sync for that period.
Insolvency Indicators
Unpaid GST, PAYG withholding, and superannuation obligations are early and serious insolvency signals, as many businesses will not prioritise paying the ATO when times are tough, rather, they'll settle accounts with trade creditors, many of whom they have genuine relationships. However, the ATO can still initiate winding up proceedings and has no hesitation in doing so. Director penalty notices can make directors personally liable for unpaid PAYG and super.
A business can be profitable on paper but insolvent in practice if it cannot meet obligations as they fall due. Cash runway measures how long the business can continue operating at its current burn rate without additional revenue or funding.
Sustained trading losses erode equity and deplete cash reserves over time. Consecutive loss periods indicate a structural problem with the business model rather than a one-off event.
When total liabilities exceed total assets the business is balance sheet insolvent. Directors of an insolvent company have a legal duty to cease incurring new debts. This is one of the primary tests applied in insolvency proceedings.
Disorganised or incomplete financial records are both an indicator of poor management and a legal obligation breach. Under the Corporations Act, companies must maintain adequate financial records. Missing records also make it impossible to accurately assess solvency.
A high proportion of overdue receivables indicates either poor credit management or customers in financial difficulty themselves. Aged debtors that cannot be collected become bad debts, directly reducing assets and cashflow.
Financial Ratios
Net MarginSYNC
0.0%↓
Prior: 6.8%
Cash RunwaySYNC
0.0 mo↓
Prior: 3.4 mo
Debtor DaysSYNC
0d↑
Prior: 54d
Quick RatioSYNC
0.00↓
Prior: 1.18
Gross MarginSYNC
0.0%↓
Prior: 31.2%
Creditor DaysSYNC
0d↑
Prior: 36d
Current RatioSYNC
0.00↓
Prior: 1.46
Debt to EquitySYNC
0.00↑
Prior: 1.42
Working CapitalSYNC
$0↓
Prior: $124,300
Interest CoverageSYNC
0.00↓
Prior: 5.20
Aging
| Debtor | Total | Current | 1–7 days | 8–14 days | 15–30 days | 31–60 days | 61–90 days | 90+ days |
|---|---|---|---|---|---|---|---|---|
| Harbour Bridge Developments | $84,200.00 | $22,000.00 | $8,000.00 | $6,500.00 | $12,000.00 | $14,500.00 | $9,200.00 | $12,000.00 |
| Sydney Metro Builders | $56,800.00 | $18,000.00 | $4,200.00 | $3,100.00 | $8,800.00 | $7,500.00 | $6,700.00 | $8,500.00 |
| Northshore Property Group | $42,150.00 | $12,150.00 | $5,000.00 | $2,000.00 | $6,000.00 | $8,000.00 | $5,000.00 | $4,000.00 |
| Eastlight Architects | $31,900.00 | $9,400.00 | $3,500.00 | $0.00 | $4,500.00 | $6,000.00 | $4,500.00 | $4,000.00 |
| Westside Civil Pty Ltd | $22,650.00 | $6,200.00 | $2,400.00 | $1,200.00 | $3,850.00 | $4,000.00 | $2,500.00 | $2,500.00 |
| Total | $237,700.00 | $67,750.00 | $23,100.00 | $12,800.00 | $35,150.00 | $40,000.00 | $27,900.00 | $31,000.00 |
This dashboard shows fictional data for Acme Constructions. Learn how Offermore works or explore the free financial tools — no account required.