47 Financial Analysis Modules From a Single GL Export

The core: seven financial statements

Every analysis starts with the fundamentals. Upload a GL export from Xero, QuickBooks, Sage, Pandle, or any CSV/Excel file, and LedgerIQ generates:

• Profit & Loss with expandable account rows and monthly comparisons
• Balance Sheet with hierarchical sections and current/non-current classification
• Cash Flow Statement using indirect method (operating, investing, financing)
• Statement of Changes in Equity with opening/closing rollout
• Trial Balance with transaction-level drill-down
• Common-Size P&L and Balance Sheet for vertical analysis and benchmarking

These are not static tables. Every row is expandable. Every account links to its underlying transactions. The enrichment system auto-classifies accounts into the right financial statement categories using pattern matching across 60+ account types and 12 industry sectors.

Profitability and margin analysis

Six modules dedicated to understanding where profit comes from, where it leaks, and what would happen if things changed:

Financial health and solvency

Six modules assess whether the business can pay its bills, service its debt, and survive a downturn:

• Liquidity Ratios — Current, Quick, Cash ratios with a stress test simulator (asset reduction, liability increase, inventory reduction sliders)
• Working Capital — Monthly trends, component analysis, and a cash runway simulator
• Cash Conversion Cycle — DSO, DIO, DPO with interactive cash release simulator and industry benchmarks
• Debt & Leverage — D/E ratio, interest coverage, DSCR with a leverage simulator
• Financial Health Scoring — Altman Z-Score (5-component bankruptcy prediction) plus Piotroski F-Score (9-point fundamental analysis), combined into a 0-100 composite
• Credit Risk & Lending — Loan capacity calculation, covenant compliance checks (min DSCR, max D/E, min current ratio), lending decision support

Operational efficiency

Four modules focused on how well the business converts resources into revenue:

• Asset Management — Turnover ratios, ROA, investment simulator with capex and useful life inputs
• Inventory Efficiency — Turnover, holding cost calculator, economic order quantity (EOQ), reorder point analysis
• Receivables & Payables — AR/AP aging, DSO/DPO trends, payment optimiser with early payment discount impact
• Productivity Metrics — Revenue and EBITDA per employee, headcount simulator, compensation analysis, 20+ industry benchmarks

Trends, forecasting, and scenarios

Five modules for understanding where the business has been and where it is heading:

• Key Metrics Trends — Configurable moving averages across revenue, expenses, profit, and margins
• Revenue Forecasting — Four statistical models (linear, exponential smoothing, ARIMA, seasonal) with auto-best-fit selection, 1-36 month horizon, and 90/95/99% confidence bands
• Seasonality Analysis — Seasonal decomposition with peak/trough identification and seasonal index calculation
• What-If CVP Modelling — Single and multi-scenario analysis, Monte Carlo profit simulation, tornado sensitivity charts. Quick scenario pills: pessimistic, optimistic, cost optimisation, market expansion
• Capital Structure Optimisation — WACC calculator, optimal debt/equity weighting, target credit rating selector, industry benchmarks

Advanced analysis

• DuPont Decomposition — 3-factor ROE breakdown: margin, turnover, leverage
• Return Ratios — ROA, ROE, ROIC with industry benchmarking and sensitivity simulator
• Tax Efficiency — Effective rate calculation, tax breakdown by type, planning scenarios
• Anomaly Detection — Transaction-level flagging at three severity levels with approve/dismiss workflow
• Expense Correlation — Pearson correlation matrix across all expense accounts with scatter plots
• Budget vs Actual — Per-account budget entry with variance analysis and trend comparison
• Multi-Period Comparison — Upload a second GL to compare periods side-by-side with growth rates

RiQ: the AI that navigates it all

RiQ is not a chatbot sitting next to a dashboard. It is an autonomous AI financial analyst that can control the LedgerIQ interface directly.

Ask RiQ a question like "Can this business afford a 30,000 pound loan?" and it will:

1. Navigate to the credit risk and lending module
2. Check the current debt-to-equity ratio and DSCR
3. Navigate to the debt leverage simulator and adjust the sliders to model the new loan
4. Check liquidity ratios and cash runway
5. Navigate to the financial health scoring module for the Z-Score
6. Synthesise everything into a recommendation with specific terms, risks, and conditions

It does this by programmatically navigating modules, reading DOM state, manipulating sliders and input fields, handling enrichment modals when they appear, and building a multi-turn conversation thread with full context. It can also generate narrative business reports by autonomously touring every module and extracting key findings.

Reporting and export

Three export paths for getting analysis out of the browser and into the hands of clients, directors, or lenders:

• PDF Board Packs — Professional branded PDFs with executive summary, detailed dashboards, risk/opportunity highlights, and stakeholder-appropriate language. Teal-branded cover page with company info, period, and account count.
• AI Business Reports — RiQ generates narrative reports by autonomously navigating modules, capturing screenshots, and assembling findings into structured sections: executive, profitability, financial health, operational, and trends.
• Individual Module Exports — Export any module as PDF, with chart images embedded at publication quality.

The enrichment system

LedgerIQ's intelligence starts before any analysis runs. When you upload a GL, the Universal Enrichment Intelligence engine auto-classifies accounts using 25+ regex patterns for COGS detection, 100+ rules for fixed/variable cost classification, and fuzzy matching with Jaccard similarity for account type identification across 12 industry sectors.

Where auto-detection is uncertain, guided enrichment modals walk you through the decisions: which accounts are COGS, which expenses are fixed vs variable, which liabilities are interest-bearing debt, which assets are current vs fixed. Each modal shows auto-suggestions with confidence indicators. You confirm or override, and the entire analysis suite updates accordingly.

Privacy by architecture

Everything runs client-side. Your general ledger is processed entirely in your browser. No data is transmitted to any server. No data is stored. When you close the tab, it is gone. This is not a privacy policy promise — it is a technical architecture decision. There is no server-side processing to send data to.

The only server calls are to the RiQ AI backend when you explicitly ask RiQ a question, and even then, the conversation context is minimal and session-scoped.

Who uses this

• Accountants

  Turn a client GL export into a comprehensive analysis pack in minutes. Use RiQ to generate narrative reports. Present PDF board packs in advisory meetings. Run business valuations without referring to corporate finance firms.

• Business Owners

  Understand your financial position without waiting for your accountant's interpretation. Ask RiQ direct questions — "How healthy is my business?", "What is my break-even point?", "Can I afford to hire two more people?" — and get answers backed by your actual numbers.

• Practices

  Standardise analytical output across your team. Every client gets the same depth of analysis regardless of which team member handles the work. The enrichment system means junior staff can produce senior-level analysis.

• M&A Advisors

  Quick desktop valuations from target company GLs. Six valuation methods with Monte Carlo confidence bands and exit readiness scoring. Enough to assess whether a deal is worth pursuing before committing to full due diligence.

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