Working capital

Diagnostic for 2026-10-12

Forecast accuracy

How close the earlier forecasts landed

no earlier forecast has a week that has both closed and is covered by this statement; accuracy needs a forecast made before a period this statement now covers

Upload again once a few forecast weeks have passed and this fills in: what was predicted for each week, what the bank actually closed at, and the gap between them.

Ageing derived from Due Date against 2026-10-09. Balances are after part payments and credit notes.

Bar length is exposure; the solid head is the allowance. Stage 3 is past due over 90 days, IFRS 9’s presumed default.

• The loss given default behind every non-zero rate below rests on 8 defaulted invoice(s) (36.2% of their value never recovered), which is too few to be stable - every bucket rate is therefore reported at LOW confidence however many invoices entered the bucket itself. Treat the allowance as an order of magnitude, and supply your own rates on the upload page to replace it.
• Loss rates derived from history use 90 days past due as the default point (IFRS 9 B5.5.37) and treat an invoice still unpaid 180 days past due as not recovered, because the ledger records no write-offs. Change either by supplying your own rates.
• Historical rates look backward. IFRS 9 also requires forward-looking adjustment for conditions expected over the life of the receivables; apply that overlay through the rates you supply.
• Balances are net of credit notes and part payments. Amounts already provided for in your ledger are not deducted here.
• Supply your own rates on the next upload to override any band; the derived figure stays visible beside it.

CFO brief

What the numbers say, and what to do this week

Watch list

Who has changed how they pay

2 slowing · 2 improving · 5 broken their own pattern

• Northgate Auto Group

  broke its patternslowing

  Trend: used to pay 6 days late, now pays 31 days late — 25 days slower than before.

  This week: one open invoice has passed even that usual delay, so it is late by their own standard, not just yours.

  Outstanding $147.9k.

  The slide costs roughly $10.1k of extra financing on the current balance.

• Fieldstone Brewing Co.

  broke its pattern

  Trend: used to pay 18 days late, now pays 20 days late — 2 days slower than before.

  This week: one open invoice has passed even that usual delay, so it is late by their own standard, not just yours.

  Outstanding $33.7k.

  The slide costs roughly $185 of extra financing on the current balance.

• Orchard Lane Bakery

  broke its pattern

  Trend: used to pay 6 days late, now pays 8 days late — 2 days slower than before.

  This week: one open invoice has passed even that usual delay, so it is late by their own standard, not just yours.

  Outstanding $4.2k.

  The slide costs roughly $23 of extra financing on the current balance.

• Lumen Fitness Studios

  broke its pattern

  This week: one open invoice has passed even that usual delay, so it is late by their own standard, not just yours.

  Outstanding $14.0k.

  Based on 1 settled invoices — a thin history, so treat the trend as indicative.

• Tidewater Legal LLP

  broke its patternimproving

  Trend: used to pay 67 days late, now pays 14 days late — 53 days faster than before.

  This week: one open invoice has passed even that usual delay, so it is late by their own standard, not just yours.

  Outstanding $76.0k.

  Based on 5 settled invoices — a thin history, so treat the trend as indicative.

• Harbor Point Dental Group

  slowing

  Trend: used to pay 3 days late, now pays 8 days late — 5 days slower than before.

  Outstanding $8.9k.

  The slide costs roughly $122 of extra financing on the current balance.

• Copperleaf Home Goods

  improving

  Trend: used to pay 16 days late, now pays 11 days late — 5 days faster than before.

  Outstanding $80.8k.

Trend compares two medians the customer has already demonstrated — the later half of their settled invoices against the earlier half. This week is about one specific invoice. A customer can be improving overall and still be late on something right now, which is why both are shown rather than combined into a single verdict. Nothing here is predicted.

Where to start

What each call is worth

Your lowest week is week 3 at $105.4k. Each figure below is how much that improves if the customer pays on their due date instead of when they usually do.

1. 1Northgate Auto Group

   +$85.7k

   Moves $85.9k from week 4 into week 1. They usually pay 31 days after the due date. After this call your lowest week is week 13 at $191.1k, so the gain is measured to there, not to the full amount moved.

2. 2Summit Ridge Credit Union

   +$27.5k

   Moves $27.5k from week 4 into week 3. They usually pay 2 days after the due date.

3. 3Bluewater Logistics Co.

   +$16.9k

   Moves $16.9k from week 4 into week 3. They usually pay 6 days after the due date.

4. 4Granite Peak Insurance Agency

   +$11.2k

   Moves $22.5k from week 3 into week 1. They usually pay 25 days after the due date.

5. 5Sable Creek Outdoor

   +$11.2k

   Moves $11.2k from week 4 into week 2. They usually pay 12 days after the due date.

6. 6Harbor Point Dental Group

   +$8.9k

   Moves $8.9k from week 5 into week 3. They usually pay 8 days after the due date.

These are counterfactuals, not forecasts: the arithmetic of what happens if a customer pays on their due date. It is not a prediction that they will. Payments out are held constant, so every figure reflects collections alone.

Not available

What this run could not tell you, and why

• Days inventory / work in progress

  This needs opening and closing stock, plus cost of sales.

  To get it: Add a financial summary with inventory figures. If you hold no stock, say so and we will report the cash cycle without it.

• Change since last run

  This is your first analysis, so there is nothing to compare against.

  To get it: Your next upload will show what moved, week by week.

• Forecast Accuracy

  no earlier forecast has a week that has both closed and is covered by this statement; accuracy needs a forecast made before a period this statement now covers

These are absences, not zeroes. CashLens never substitutes a plausible figure for one it cannot derive from your files — a number you cannot trace back to a document you supplied is worth less than an honest gap.