Current Ratio = Current Assets ÷ Current Liabilities
ROE = Net Income ÷ Shareholders' Equity
Quick Ratio = (CA − Inventory) ÷ CL
Debt-to-Equity = Total Debt ÷ Total Equity
Gross Margin = (Revenue − COGS) ÷ Revenue
For Accounting Practices

Win clients in your first meeting

Turn a prospect's general ledger export into 40+ financial insights. Walk into meetings knowing more about their business than they do.

Σ

Pure Maths. Zero Conjecture.

Every metric uses established accounting formulae. No AI predictions, no extrapolation, no guesswork. Just mathematical calculations from their actual data.

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Prospect Analysis
Current Ratio
1.82
CA ÷ CL
Gross Margin
42.3%
(Rev − COGS) ÷ Rev
Receivables Days
67
(AR ÷ Rev) × 365
Debt to Equity
0.45
Debt ÷ Equity
The Challenge

Winning new clients is harder than ever

In a commoditised market, every practice promises the same thing. How do you stand out when everyone offers "accounts and tax"?

Same pitch, different logo

Every practice leads with qualifications and experience. Prospects have heard it before. You blend into the noise.

Advisory feels risky

You know analytics could differentiate you, but PI concerns and liability fears keep you firmly in compliance territory.

Price becomes the decider

When everyone sounds the same, prospects default to comparing fees. You're racing to the bottom before you've even started.

The Solution

Established formulae. Instant credibility.

LedgerIQ calculates 40+ financial metrics using the same formulae taught in every accounting qualification. Nothing invented. Nothing predicted. Just maths.

Every number is mathematically verifiable

No black-box AI. No speculative forecasting. LedgerIQ applies textbook financial analysis formulae to your prospect's actual data. The same calculations you'd do manually—just faster.

  • Standard ratio analysis Current, quick, debt-to-equity, interest coverage—all the established metrics
  • DuPont decomposition Break down ROE into margin × turnover × leverage—a 100-year-old framework
  • Working capital cycles Receivables days, payables days, cash conversion—pure arithmetic from their ledger
  • Trend comparisons Period-over-period changes calculated directly from their multi-period data
DuPont Analysis
ROE = Margin × Turnover × Leverage
Decomposes return on equity into three strategic drivers
Cash Conversion Cycle
CCC = DSO + DIO − DPO
Days to convert inventory investment back to cash
Break-Even Point
BEP = Fixed Costs ÷ CM Ratio
Revenue required to cover all costs with zero profit
Altman Z-Score
Z = 1.2A + 1.4B + 3.3C + 0.6D + E
Bankruptcy prediction using 5 weighted financial ratios
How It Works

From CSV to client in three steps

Request a general ledger export before your meeting. Upload it. Walk in prepared to impress.

1

Request their general ledger

"Could you send me a general ledger export before our call? I'll put together some preliminary analysis."

2

Upload to LedgerIQ

Any accounting software export works. CSV or Excel. LedgerIQ automatically maps the columns and calculates 40+ metrics.

3

Present the insights

Show them their own business through a new lens. While competitors quote hourly rates, you demonstrate understanding.

Advanced Analytics

Enterprise-grade financial analysis

Beyond basic ratios—LedgerIQ includes sophisticated models used by investment analysts and credit professionals. All calculated automatically from your prospect's GL.

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{Net\ Income}{Revenue}}_{Profit\ Margin} \times \underbrace{\frac{Revenue}{Assets}}_{Asset\ 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.

Break\text{-}Even = \frac{Fixed\ Costs}{1 - \frac{Variable\ Costs}{Revenue}} = \frac{Fixed\ Costs}{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 = \underbrace{\frac{AR}{Revenue} \times 365}_{DSO} + \underbrace{\frac{Inventory}{COGS} \times 365}_{DIO} - \underbrace{\frac{AP}{COGS} \times 365}_{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_{composite}
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\Big(£5000,\ 2\%\ Revenue,\ 0.5\%\ Assets\Big)
Categorises findings by severity: Critical (cash irregularities, control violations), Medium (timing anomalies), Low (statistical outliers).
"3 critical anomalies flagged—manual cash journals over £50k"
AI-Powered Analysis

Meet RiQ—your analysis co-pilot

RiQ is an AI assistant built into LedgerIQ that can navigate the entire analysis dashboard, explain findings in plain English, and generate comprehensive business reports automatically.

Natural language queries

Ask "Why did margins drop?" and get answers based on the actual data—not generic advice.

Automated report generation

Generate multi-module business reports with AI-written commentary on each section.

Guided financial tours

RiQ walks through 5-10 modules autonomously, capturing insights and presenting a complete analysis.

Data stays local

All processing happens in your browser. RiQ analyses what's on screen—nothing uploaded to servers.

You
Give me a quick financial health overview of this client
RiQ
I'll analyse their key metrics. Their Z-Score is 2.3 (grey zone), primarily driven by thin working capital. Current ratio is 1.2—adequate but tight. The DuPont analysis shows ROE of 14% is mostly leverage-driven, with margins at just 4.2%. Their 67-day cash conversion cycle suggests they're funding over two months of operations. Overall health score: 64/100.
You
What's causing the cash cycle issue?
RiQ
Receivables days increased from 42 to 58 over the past year—that's 16 extra days of cash tied up. Payables days stayed flat at 31. The data shows three customers account for 60% of the AR aging over 60 days.
Zero Liability

Show data. Don't advise.

LedgerIQ is descriptive, not prescriptive. You're presenting their numbers in a clearer format—not telling them what to do. The insight is theirs to act on.

"You should cut costs immediately"
"Your costs grew 12% faster than revenue"
"Your cash flow is a problem"
"Your cash conversion cycle is 78 days"
"You need to chase invoices faster"
"Receivables days increased from 32 to 47"

Client-side processing

Their data never leaves their browser. All calculations happen locally. Nothing uploaded to servers. Complete privacy.

Works with any platform

Xero, QuickBooks, Sage, FreeAgent, Pandle—any software that can export a general ledger. No API access required.

You control the narrative

LedgerIQ provides the numbers. What you say about them is entirely your choice. Use as much or as little as fits the conversation.

40+ Metrics

Comprehensive financial analysis

Every module uses established accounting and finance formulae. No proprietary algorithms. No AI guesswork.

Liquidity

  • Current Ratio
  • Quick Ratio
  • Cash Ratio
  • Working Capital

Profitability

  • Gross Margin
  • Operating Margin
  • Net Profit Margin
  • EBITDA Margin

Efficiency

  • Receivables Days
  • Payables Days
  • Cash Conversion Cycle
  • Asset Turnover

Leverage

  • Debt-to-Equity
  • Debt-to-Assets
  • Interest Coverage
  • Equity Multiplier

Returns

  • Return on Assets
  • Return on Equity
  • DuPont Analysis
  • Return on Capital

Trends

  • Month-over-Month
  • Quarter-over-Quarter
  • Year-over-Year
  • Growth Rates

Statements

  • Profit & Loss
  • Balance Sheet
  • Cash Flow
  • Common-Size Analysis

Advanced

  • Break-Even Analysis
  • Contribution Margin
  • Cost Structure
  • Expense Breakdown

Ready to win your next client?

Upload a general ledger and see LedgerIQ in action. Pure maths. Zero conjecture. Instant credibility.

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