Operations
Xero
How this helps your business
Every client gets a CFO's morning read, without the CFO: how the business is performing on margin and cash, what is coming in the next eight weeks, and what looks wrong today.
- A changed payee account, a transposed total or an unexplained receipt is caught before money moves
- Margin by month and by revenue line; cash-flow projection eight weeks ahead with the floor marked
- Eight CFO health measures with their trend, against a benchmark for the client's trade
- Approved entries go in on one approval; P&L, cash flow and the GST F5 draft come out
AI agent on this page
CFO agent
07:10 daily, after posting · and on each approval
What it does
Reads what was posted to Xero and the bank balances every morning, keeps the margin and cash-flow view current, and flags anything that looks wrong.
How it helps
The CFO view a S$5,000-a-month virtual CFO would give, for every client, every morning: margin, cash, what to act on
Average cost
S$1.56 per 30 runs
S$5.20 per 100 runs
Open Operations · Xero
CFO health · Nourish Kitchen
| Measure | Today | Benchmark | Status | Six months | Note |
|---|---|---|---|---|---|
| Cash runway | 4.1 months | ≥ 3 months | Fine | S$83,105 across 4 accounts against S$20,300 a month out | |
| Debtor days | 26 days | ≤ 30 days | Fine | Seaview Hotels at 22 days is the longest | |
| Creditor days | 19 days | 20–30 days | Watch | Paying suppliers 11 days before terms; cash could sit longer | |
| Gross margin | 58% | 55–62% for catering | Fine | Cost of goods 42% of sales this month | |
| Receivables concentration | 60% | ≤ 40% in one customer | Act | Seaview Hotels is 60% of open receivables | |
| Freight as % of sales | 9.8% | ≤ 8% | Watch | Up from 7.1% three months ago | |
| GST payable, this quarter | S$1,033 | due 31 Oct | Fine | Draft F5 from posted entries; cash is set aside | |
| Unreconciled lines | 3 of 78 | 0 at month end | Watch | Two waiting on the client, one needs a pick |
Margin
| Revenue line | Revenue | Cost | Margin | Six months |
|---|---|---|---|---|
| Corporate catering | S$41,200.00 | S$15,300.00 | 63% | |
| Events | S$22,600.00 | S$11,100.00 | 51% | |
| Retail counter | S$13,100.00 | S$8,150.00 | 38% |
Cash flow projection
| Week | In | Out | Closing |
|---|---|---|---|
| w/c 12 OctSeaview and Shopee receipts due; JTC rent paid | +S$14,200.00 | −S$9,400.00 | S$87,905.00 |
| w/c 19 OctAutodesk annual, Pacific Cold Chain, staff pay | +S$6,800.00 | −S$12,100.00 | S$82,605.00 |
| w/c 26 Oct | +S$9,100.00 | −S$4,300.00 | S$87,405.00 |
| w/c 2 NovGST F5 payment S$1,033; CPF; rent | +S$12,400.00 | −S$11,950.00 | S$87,855.00 |
| w/c 9 Nov | +S$5,200.00 | −S$6,400.00 | S$86,655.00 |
| w/c 16 NovCorporate catering month-end invoices | +S$16,900.00 | −S$10,200.00 | S$93,355.00 |
| w/c 23 Nov | +S$4,100.00 | −S$3,900.00 | S$93,555.00 |
| w/c 30 NovForm C-S tax instalment; year-end bonuses start | +S$11,300.00 | −S$13,600.00 | S$91,255.00 |
Lowest point S$82,605.00 · floor S$20,300.00
The picture
- CurrentS$14,200
- 1–30S$6,800
- 31–60S$2,100
- 61–90S$0
- 90+S$950
- Cost of goodsS$23,100 · 38%
- Staff & CPFS$18,600 · 31%
- RentS$6,200 · 10%
- Freight & courierS$8,319 · 14%
- UtilitiesS$3,349 · 5%
- SubscriptionsS$1,410 · 2%