Business Risk Self-Assessment
Answer ten plain-English yes/no questions and receive an instant risk rating for your business. It is intended for Australian SME owners who want a straightforward, honest read on financial stress, with no jargon and no account required.
Not legal or financial advice.
- 1. Are creditors or suppliers currently chasing you for overdue payments?
- 2. Have you deferred any ATO payments (BAS, PAYG, super) in the last 6 months?
- 3. Is your current ratio (current assets ÷ current liabilities) below 1?
- 4. Have you used personal funds or a personal loan to cover business expenses in the last 3 months?
- 5. Is your business revenue lower than it was 6 months ago?
- 6. Do you have outstanding loan repayments you are struggling to meet?
- 7. Have you received a Director Penalty Notice or formal demand from a creditor?
- 8. Are you relying on one customer for more than 40% of your revenue?
- 9. Have you had a month in the last 6 months where you could not pay all staff on time?
- 10. Are you unsure whether your business can pay its debts as and when they fall due?
How to use this tool
Work through each question and answer it honestly based on the last six months. Choose Yes or No for all ten, then select "See my risk rating". Each Yes counts as one point, and the tool bands your total into low, moderate, elevated, or critical risk with a plain-English explanation. After you submit, a summary table lists every question alongside the answer you gave, so you can see exactly which indicators drove your result.
What this means for your business
Your rating reflects how many recognised stress signals your business is currently showing. A low score does not guarantee that everything is fine, and a high score does not mean that failure is inevitable, but the more questions you answered yes to, the sooner you should act. At the elevated and critical levels, the single most valuable step is to seek professional advice early, because an accountant or a registered insolvency practitioner has far more options to offer a business with several months of runway than one down to its last few weeks. The questions here mirror the warning signs that the Australian insolvency framework recognises, including overdue creditors, deferred ATO payments, weak liquidity, customer concentration, and difficulty paying staff. No single answer is decisive on its own, but several together point to real pressure on your ability to pay debts as they fall due. Treat the result as a prompt to look more closely at your numbers rather than a diagnosis, and revisit it as your situation changes.
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