LedgerIQ is a powerful, one-click financial analysis software that transforms your General Ledger export (from any accounting system) into comprehensive reports, charts, and actionable insights. It automates complex financial analysis, making expert-level understanding accessible instantly.

How does LedgerIQ work with my existing accounting software?

LedgerIQ is universally compatible. You simply export your General Ledger (Nominal Ledger or Trial Balance Detail) as a CSV or XLSX file from your current accounting software (like Xero, QuickBooks, Sage, Pandle, FreeAgent, Wave, MYOB, NetSuite, or even Excel) and upload it to LedgerIQ. No direct integration or API access is needed.

What kind of insights can I get from LedgerIQ?

LedgerIQ provides a full suite of financial analysis, including: detailed Profit & Loss, Balance Sheet, and Cash Flow Statements; Common-Size analysis; extensive profitability ratios (Gross, Operating, Net Margins, ROA, ROE); DuPont analysis; liquidity and debt leverage ratios; working capital and cash conversion cycle analysis; break-even/CVP analysis; revenue and expense structure insights; trend analysis (MoM, QoQ, YoY); revenue forecasting; seasonality detection; budget vs actual analysis; productivity metrics; and even transaction anomaly detection.

Can I download reports from LedgerIQ?

Yes! LedgerIQ allows you to download professionally formatted reports, charts, and entire dashboards in PDF format, perfect for presentations, client meetings, board reports, or internal reviews.

Is LedgerIQ really 'one-click'?

After a quick, secure upload of your General Ledger file, generating the comprehensive suite of analyses is incredibly fast – often feeling like 'one-click'. LedgerIQ intelligently processes your data. For enhanced accuracy in certain areas (like BS classification or COGS identification), it may offer simple, guided prompts for data enrichment, ensuring the insights are perfectly tailored to your business.

Is my financial data secure with LedgerIQ?

Absolutely. We prioritize your data security. LedgerIQ uses AES-256 encryption. Your uploaded General Ledger files are processed temporarily and automatically deleted from our servers shortly after your session or analysis. We do not permanently store your detailed transaction data unless you explicitly save specific analysis runs to your account history.

How much does LedgerIQ cost?

LedgerIQ costs just 500 credits per report for all IQ Suite subscribers. With plans starting from just 2,000 credits/month, you can generate multiple comprehensive analyses. Sign up today and start transforming your GL data into powerful insights.

LedgerIQ: 40+ Financial Metrics From Established Formulae

Name: LedgerIQ
Price: 500 credits
Rating: 4.8 (127 reviews)
Author: Jack Whitehead

Practical Applications for Practices

Use established financial analysis in client meetings to discuss their business position with clarity and precision.

Client Acquisition

Prepared Analysis Before Every Meeting

Request a prospect's GL export before the meeting. LedgerIQ calculates 40+ metrics—liquidity ratios, margin analysis, cash conversion cycle—so you can discuss their financial position with specificity.

What you'll walk in knowing

Z-Score: 2.1 (grey zone) 78-day cash cycle ROE driven by leverage 12% above break-even

Their Data, Your Lens

You're not making claims—you're showing prospects what's already in their numbers. The insight comes from seeing their business through a financial analyst's framework.

Altman Z-Score, DuPont, Piotroski
40+ ratios used by analysts globally
Metrics that clients recognise and trust

Concrete Talking Points

"Your Z-Score is 2.1—that places you in the grey zone for financial stress. Here's what's contributing to that score." Specific data, not generalities.

Works With Any Software

Xero, QuickBooks, Sage, Pandle, or any platform with GL export. Your prospect's software doesn't matter.

Speak Their Language

Discuss cash conversion cycles, margin erosion, and working capital efficiency—not just compliance deadlines.

Minutes to Prepare

Prospect sends GL on Tuesday, you run it Wednesday morning, walk in Wednesday afternoon armed with insights.

Established Financial Science

Enterprise-Grade Financial Analysis

Every calculation uses established accounting formulae—Altman Z-Score, DuPont decomposition, Piotroski F-Score, and 35+ more ratios and metrics used by analysts worldwide.

Bankruptcy Prediction

Altman Z-Score

The industry-standard formula for assessing financial distress risk, developed at NYU and validated across 50+ years of corporate data.

Z = 1.2\frac{WC}{TA} + 1.4\frac{RE}{TA} + 3.3\frac{EBIT}{TA} + 0.6\frac{MVE}{TL} + 1.0\frac{Sales}{TA}

Z > 2.99 = Safe zone | 1.81–2.99 = Grey zone | Z < 1.81 = Distress zone

"Your prospect has a Z-Score of 2.1—they're in the grey zone"

Performance Drivers

DuPont Decomposition

Breaks down return on equity into three strategic components, revealing whether returns come from margins, efficiency, or leverage.

ROE = \underbrace{\frac{NI}{Rev}}_{Margin} \times \underbrace{\frac{Rev}{Assets}}_{Turnover} \times \underbrace{\frac{Assets}{Equity}}_{Leverage}

Instantly identify which lever—profitability, efficiency, or financial leverage—is driving (or dragging) their returns.

"ROE is 18%, but it's all leverage—margins are thin"

Scenario Modelling

Break-Even & CVP Analysis

Cost-volume-profit analysis with interactive what-if scenarios. See how price changes, cost reductions, or volume shifts affect profitability.

BEP = \frac{Fixed\ Costs}{1 - \frac{Variable\ Costs}{Revenue}} = \frac{FC}{CM\ Ratio}

Includes contribution margin, margin of safety, and three what-if calculators: target profit, price change impact, and cost reduction scenarios.

"They're operating at 12% above break-even—slim safety margin"

Working Capital

Cash Conversion Cycle

Measures how long cash is tied up in operations—from paying suppliers to collecting from customers. Critical for understanding liquidity stress.

CCC = DSO + DIO - DPO

Combines Days Sales Outstanding, Days Inventory Outstanding, and Days Payables Outstanding into one powerful metric.

"78-day cash cycle—they're funding 2.5 months of operations"

Composite Scoring

Financial Health Score

Combines the Altman Z-Score with Piotroski F-Score (9-point fundamental analysis) and liquidity metrics into a single 0-100 health rating.

Health = w_1 \cdot Z_{norm} + w_2 \cdot F_{score} + w_3 \cdot Liquidity

Piotroski F-Score evaluates 9 binary signals: profitability (4 points), leverage/liquidity (3 points), and operating efficiency (2 points).

"Financial Health: 72/100—Good, but watch the leverage"

Risk Detection

Anomaly Detection

Intelligent flagging of unusual transactions using materiality thresholds, not just statistical outliers. Catches control violations and structuring patterns.

Materiality = max(£5000,\ 2\%\ Rev,\ 0.5\%\ Assets)

Categorises findings by severity: Critical (cash irregularities, control violations), Medium (timing anomalies), Low (statistical outliers).

"3 critical anomalies flagged—manual cash journals over £50k"

All formulas are established financial analysis standards—Current Ratio, Quick Ratio, EBITDA margin, Debt-to-Equity, and 35+ more ratios used by analysts and lenders worldwide.

Meet Your AI Financial Co-Pilot

LedgerIQ + RiQ:
Analysis Through Conversation

Meet RiQ, your autonomous AI assistant that doesn't just answer questions – it actively navigates dashboards, analyzes your data, and generates comprehensive reports through natural conversation.

Autonomous Navigation

Say "Show me my P&L" and watch RiQ instantly navigate to the Profit & Loss module, wait for it to load, and provide contextual insights.

Contextual Intelligence

RiQ reads your actual financial data in real-time. Ask "What's my gross profit margin?" and get instant analysis based on your numbers.

Autonomous Reports

Say "Generate profitability report" and RiQ autonomously visits 10+ modules, collects data, and compiles a professional analysis in minutes.

Smart Enrichment Guidance

RiQ detects when account classifications are needed and provides AI-powered suggestions for COGS, assets, liabilities, and more.

Guided Financial Tours

Say "I'm worried about cash flow" and RiQ conducts a multi-module tour, explaining insights at each stop like a financial analyst.

Proactive Anomaly Detection

RiQ doesn't wait for you to ask. It automatically spots trends, flags anomalies, and suggests next steps based on your data.

See RiQ in Action

"Show me my profitability trends"

"I'll analyze your profitability for you..."

*Navigating to Margin Analysis → Return Ratios → DuPont Analysis*

"Your gross profit margin is 42.3%, up from 38.1% last quarter. Operating margin improved to 18.5%. Your ROE of 15.2% is driven by strong asset turnover. Would you like me to generate a detailed profitability report?"

Your AI Financial Analyst

RiQ understands context, remembers your conversation, and actively works for you.

The Difference? RiQ Works For You, Not Just With You

Traditional Chatbots:

✗ Answer questions only
✗ Provide generic information
✗ You do the navigation
✗ Static help documentation

RiQ with LedgerIQ:

✓ Actively navigates & analyzes
✓ Reads your actual numbers
✓ Generates professional reports
✓ Proactive insights & guidance

Frequently Asked Questions

LedgerIQ is a powerful financial analysis engine built into ReconcileIQ. It transforms raw GL exports into comprehensive insights, charts, and reports instantly.

Yes. If you can export a CSV or Excel file of your General Ledger, Nominal Ledger, or Trial Balance, LedgerIQ can analyze it. It works with Xero, QuickBooks, Sage, and many more.

LedgerIQ costs just 500 credits per report. With our Starter plan at 2,000 credits/month, that's 6 full analyses. Try our free trial to experience the power of automated financial intelligence.

Absolutely. We use bank-grade AES-256 encryption. Your data is processed securely and we do not store detailed transaction logs permanently unless you save a snapshot.

Yes! Generate professional PDF reports for P&L, Balance Sheet, Cash Flow, and specific analysis modules instantly.

No! LedgerIQ is designed to make financial analysis accessible to everyone. The platform guides you through any necessary data enrichment with simple prompts and provides clear explanations for all metrics and ratios. Whether you're a seasoned CFO or a business owner without formal finance training, LedgerIQ presents insights in an understandable, actionable format.

As often as you like! There are no limits on GL uploads. Many users upload monthly for regular reporting, while others upload weekly or even daily during critical periods. Each upload gives you fresh insights based on your latest data, enabling real-time decision making.

Simple Pricing

From £5 per month

Start with our Starter plan or explore all tiers for practices and enterprises.

Starter

For freelancers and small businesses

£5 /mo

2,000 credits/month

LedgerIQ Full (30+ analysis modules)
RiQ AI companion for explanations
ReconcileIQ + CodeIQ included

Start free trial

Need more?

Explore Accountant, Practice, and Enterprise tiers with higher limits and advanced features.

Accountant: £15/mo • 10,000 credits

Practice Pro: £79/mo • 75,000 credits

Enterprise: £199/mo • 200,000 credits

View all pricing tiers →

For Accounting Practices

Win clients in your first meeting

Turn prospect GL exports into 40+ financial insights using pure maths—no advisory liability. Show them their business like they've never seen it.

Learn more

Comprehensive Financial Analysis From a Single GL Export

Comprehensive Analysis Suite

Core Financials

Profitability Deep Dive

Health & Liquidity

Predictive Trends