A monthly 0–100 scorecard covering compliance, cash health, margin, and revenue trend. Delivered by the 10th of every month with plain-English commentary and action points — so you always have time to act.
Get Your Free Business Health CheckMost business owners only find out there's a problem when it's too late — when the tax bill arrives, when cash runs dry, or when HMRC writes. By the time the signal reaches the surface, the damage has already been done.
The Business Health Score gives you a monthly early-warning system. Six components, each scored independently against objective benchmarks. One total score out of 100. Delivered by the 10th of every month so you have two to three weeks to act before the next reporting period.
Unlike management accounts — which can be difficult to read without a financial background — the Health Score is designed to be understood immediately. You don't need to know what a balance sheet is to understand that a score of 62 means two areas need attention.
This Month's Score
Good — Actively Managed
Sample scorecard for illustration purposes
Six components, each scored independently against industry benchmarks and your own prior-month performance.
All HMRC filings submitted on time, no outstanding penalties, VAT position up to date, and no unresolved HMRC correspondence. A perfect 20 means you are fully clean with the tax authority.
Working capital ratio, cash runway (weeks of expenses covered by current cash balance), and actual cash performance versus forecast. A key early-warning indicator before problems become crises.
Gross margin tracked against your sector average benchmark and your own prior months. Margin compression is often the first sign of a pricing or cost problem — spotted here before it hits cash.
Month-on-month revenue growth — both the direction and rate of change. Scores reflect whether your revenue trajectory is improving, stable, or deteriorating, and how that compares to expectations.
Labour cost as a percentage of revenue compared to sector benchmarks. An escalating payroll ratio is a common precursor to cash flow difficulties — flagged here while there is still time to act.
Creditor days, outstanding loan exposure, and overdue invoice position. Scores reflect both the quantum of debt and its direction of travel — rising creditor days often indicate a cash squeeze in the making.
A real example of the scorecard format — delivered as a PDF and email summary by the 10th of each month.
NVH Business Health Score
Sample Business Ltd — February 2025
Band: Good — Actively Managed. Score improved by 6 points versus January 2025.
Component Scores
NVH Commentary — February 2025
Your compliance and revenue trend are strong. Margin dipped slightly in February — category-level analysis suggests this was driven by your accessories line, where cost-of-goods increased without a corresponding price adjustment. Cash runway is healthy at 3.2 months. Debt exposure is slightly elevated due to the January supplier invoice — reduce creditor days in March.
Action Points
5 questions — receive a sample score and a 20-minute consultation with an NVH advisor.
For businesses who want the scorecard without a full accounting package.
Or included free with any NVH accounting package
Join business owners who receive their Business Health Score on the 10th of every month and always know exactly where they stand — before problems become crises.
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