- Revenue+5.8%£420k ahead of plan
- ButGross margin−3.4pts34.7% against 38.1% planned
- ThereforeEBITDA£256k behind£1.59m against £1.85m
- AndCustomers pay in49 days13 days slower than last year
Sales are growing. Profit conversion and cash collection need attention.
- £7.7m
- £1.59m
- £420k
Sales are up. So why is profit behind?
- Planned EBITDA£1.85m
- Revenue growth+£155k
- Margin pressure−£263k
- Payroll−£118k
- Other costs−£30k
- Actual EBITDA£1.59m
£420k of additional sales has not reached the bottom line. Weaker gross margin removed £263k and payroll a further £118k, leaving EBITDA £256k behind plan.
That’s the difference between reporting numbers and understanding them.
Profitable doesn't always mean cash-rich.
Kingswell reconciles the profit you earned to the cash that actually arrived, one movement at a time.
- Operating profit£1.59m
- Receivables−£486k
- Payables+£122k
- Capex−£310k
- Debt−£164k
- Tax−£212k
- Cash movement£540k
Customers are taking 13 days longer to pay than last year. £486k of profit is sitting in unpaid invoices rather than in the bank.
See how Kingswell explains cashUnderstand tomorrow, not just yesterday.
Kingswell turns your latest financials into a transparent rolling outlook — then shows which assumptions are driving it.
Before you make the decision, see what it does to profit and cash.
Commercially affordable, but liquidity becomes tight under downside.
Kingswell remembers what happened last month.
Every issue carries its history: what the figures did, what management said, and whether the action was ever closed.
- AprilNew£112k adverse
Agency usage described as temporary cover for two vacancies.
Action created: review agency rates.
- MayWorsened£155k adverse
Vacancies not filled; agency hours increased again.
Action still open after 31 days.
- JuneStabilised£151k adverse
Two permanent hires started mid-month.
Deterioration stopped; recovery not yet visible.
Your finance review shouldn’t start from zero every month.
“Why is profit behind when sales are ahead?”
Answers are assembled from calculated figures, not generated from scratch. Every number in the response is one Kingswell has already computed from your ledger.
- Sales
- +£420k
- Margin pressure
- −£263k
- Payroll
- −£118k
- Other
- −£39k
Growth is not converting into profit.
- 01
Upload
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- 02
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- 03
Understand
Performance, cash and outlook in plain English.
- 04
Decide
Model what happens next before you commit.
AI explains the numbers.
It doesn’t invent them.
- Every figure is produced by a deterministic calculation engine from your own ledger lines.
- AI interprets those calculated facts. It is not asked to produce them.
- Uploaded financial data is scoped to your company and no other.
- Kingswell distinguishes between fact, assumption and management commentary.
Built for growing businesses that have accounts — but need better answers.
- —£1m–£30m turnover
- —Founder-led and owner-managed companies
- —Businesses with management accounts but limited internal FP&A capability
- —Advisers who need to explain the numbers, not just produce them
Your accounts already contain the story.
Kingswell helps you see it.
Upload your management accounts and understand what changed, why it matters, where cash is going, where you’re heading, and what to do next.