Insights
Runway, alerts, benchmarks, why the score moved, and the actions that would raise it
Score trend & next month
One point per monthly close, with next month projected if no action is taken
This month
61.1%
Profitable
Next month, no action
63.0%
+1.9 pts · Profitable
Months on record
11
Latest: M-1
Ingested documents
6 sources · auto-parsed
Payroll_Register_M06.xlsx
Payroll · 128 lines · 2 days ago
Supplier_Invoices_M06.pdf
Invoices · 341 lines · 2 days ago
Lease_Agreement_2026.pdf
Lease · 22 lines · 6 weeks ago
POS_Export_M06.csv
Revenue · 4912 lines · 2 days ago
Utility_Statements_Q2.pdf
Utilities · 18 lines · 2 days ago
Delivery_Commission_M06.csv
Fees · 806 lines · 2 days ago
Why the score moved
Every point attributed to one named line — click any line for the detail
Close your first month to unlock the variance bridge. From the next close onward, Financera explains every point of movement line by line.
Monthly close
Saved in this browser, month by month
Your typed figures and uploads are kept automatically. Closing a month freezes it as a comparison point for the bridge.
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Benchmarks & context
Every ratio read against the UAE first, the GCC second and global markets third
| Measure | You | UAE | GCC | Global | Standing |
|---|---|---|---|---|---|
| 61.1 | 57.0 | 56.0 | 55.0 | In line | |
| 35.9% | 28.0% | 29.0% | 32.0% | Behind benchmark | |
| 13.9% | 15.0% | 12.0% | 9.0% | In line | |
| 28.6% | 30.0% | 31.0% | 30.0% | In line | |
| 4.8% | 10.0% | 8.0% | 6.0% | Ahead of benchmark | |
| 3.8% | 3.5% | 3.0% | 3.0% | Behind benchmark | |
| 6.8% | 8.0% | 8.0% | 6.0% | Behind benchmark | |
| 2.14× | 1.50× | 1.50× | 1.50× | Ahead of benchmark | |
| 30.1% | 32.0% | 35.0% | 38.0% | In line | |
| 57.3% | 48.0% | 45.0% | 42.0% | Ahead of benchmark | |
| 5.2% | 11.0% | 10.0% | 10.0% | Behind benchmark | |
| 24.0 mo | 6.0 mo | 6.0 mo | 6.0 mo | Ahead of benchmark |
4 measures sit behind the UAE norm. Benchmarks are ordered UAE first because that is the market you trade in, GCC second as the regional peer set, global third as a sanity check. Click any measure for the reasoning behind the local figure.
Decision engine
Ranked by how many score points each move returns this month
Launch a weekday 3pm–5pm bundle
Fixed cost is already sunk in this window; incremental margin is 71%.
Low effort
Re-price the top 6 SKUs by 4%
Elasticity across the last 11 monthly cycles shows no measurable volume drop under 5%.
Low effort
Shift 2 closing shifts to a split rota
Tue–Wed 19:00–22:00 covers 6% of sales but 14% of labour hours.
Medium effort
Renegotiate dairy contract to quarterly volume pricing
Your supply line runs 28.6% of revenue — 4.1 pts above peer roasters at your volume.
Low effort
Move 20% of delivery volume to direct pickup
Aggregator commission is 22%. A pickup incentive keeps margin in-house.
Medium effort
Test your own action
Enter the monthly cost and revenue effect of any move you're considering.