Crevaty Digital Tools

Financial Health Score Calculator

Measure your company's overall financial health using key financial ratios, cash flow indicators, profitability metrics, liquidity analysis, and risk assessment.

This Financial Health Score provides an indicative assessment based on the information entered. It is designed to help business owners identify strengths, weaknesses, and improvement opportunities. It should not replace a professional financial audit or due diligence.

Check My Financial Health

How it works

STEP 01

Enter your company information

STEP 02

Provide your latest financial figures

STEP 03

Our AI analyses your financial position

STEP 04

Receive your Financial Health Score & recommendations

Business Information

Business Name

Country

Industry

Currency

Annual Revenue

KWD

Financial Year

Profitability Indicators

Annual Revenue

KWD

Gross Profit

KWD

Operating Profit (EBIT)

KWD

Net Profit

KWD

EBITDA

KWD

Net Income

KWD

Assets & Liabilities

Current Assets

KWD

Current Liabilities

KWD

Total Assets

KWD

Total Liabilities

KWD

Shareholders' Equity

KWD

Cash & Bank Balance

KWD

Accounts Receivable

KWD

Inventory

KWD

Accounts Payable

KWD

Outstanding Loans

KWD

Cash Flow Position

Operating Cash Flow

KWD

Investing Cash Flow

KWD

Financing Cash Flow

KWD

Monthly Operating Expenses

KWD

Monthly Loan Payments

KWD

Emergency Cash Reserve

KWD

Annual Interest Expense

KWD

Business Performance

Revenue Growth %

Customer Retention %

Recurring Revenue %

Debt Growth %

Expense Growth %

Employee Growth %

Average Collection Days

days

Inventory Holding Days

days

Supplier Payment Days

days

What-If Analysis

Increase Revenue0%

Reduce Expenses0%

Increase Gross Margin0%

Reduce Debt0%

Increase Cash0%

Improve Collection Days0 days

Reduce Inventory0%

Increase Pricing0%

Category Scores

Liquiditywt 20%

0/100

Profitabilitywt 20%

0/100

Cash Flowwt 20%

0/100

Debt Managementwt 15%

70/100

Efficiencywt 10%

36/100

Growthwt 10%

0/100

Financial Stabilitywt 5%

45/100

Overall Scorewt 100%

16/100

KPI Dashboard

Working Capital

KWD 0

Current Ratio

0.00

Quick Ratio

0.00

Debt Ratio

0.00

Gross Margin

0.0%

Net Margin

0.0%

ROA

0.0%

ROE

0.0%

Operating Cash Flow

KWD 0

Cash Runway

0.0 mo

Interest Coverage

0.00x

Financial Health

16/100

Financial Risk Analysis

Liquidity RiskVery High

Debt RiskModerate

Profitability RiskVery High

Cash Flow RiskVery High

Operational RiskVery High

Growth RiskVery High

Benchmark Against Industry

Comparing your figures with typical Retail sector benchmarks.

Metric	Your Company	Industry Average	Difference
Current Ratio	0.00	1.6	-1.60
Net Margin	0.00%	6%	-6.00%
Debt Ratio	0.00	0.55	-0.55
Working Capital / Revenue	0.00%	12%	-12.00%
Operating Cash Flow / Revenue	0.00%	8%	-8.00%
ROE	0.00%	15%	-15.00%
ROA	0.00%	7%	-7.00%
Revenue Growth	0.00%	6%	-6.00%

Business Strengths

Low debt exposure, leverage is below industry average.

Areas of Improvement

Cash reserves are below the 3-month recommended level.
Profit margins are below industry benchmark.
Current ratio below 1 signals near-term liquidity pressure.

AI CFO Advisor

Personalised observations

Your company shows financial stress, priority actions on liquidity, debt and cash flow are recommended.
Increasing cash reserves by 10% would extend your runway from 0.0 to ~0.0 months.
Repricing or product-mix shift could lift gross margin closer to industry leaders.

90-Day Improvement Plan

Priority actions

Improve cash flow forecasting with a rolling 13-week model.
Reduce controllable operating costs by 5 to 10%.
Increase recurring revenue and subscription-based income.
Build an emergency cash reserve covering 3 to 6 months of opex.
Reduce customer concentration and diversify revenue base.
Automate collections and shorten DSO by 10 to 15 days.
Negotiate better supplier payment terms.
Refinance or repay high-cost debt.
Review pricing strategy annually to protect margins.
Invest in reporting and financial controls for faster decisions.

Executive Dashboard

Your business currently holds a Financial Health Score of 16/100 (Financial Risk, Grade D) benchmarked against the Retail industry. Liquidity scores 0, profitability 0, cash flow 0, debt management 70, efficiency 36, growth 0 and stability 45. Overall financial risk is assessed as Very High.

Financial Position

Overall Score: 16 / 100
AI Rating: D
Health Rating: Financial Risk
Overall Risk: Very High

Top Strengths

#1: Low debt exposure, leverage is below industry average.

Top Risks

#1: Cash reserves are below the 3-month recommended level.
#2: Profit margins are below industry benchmark.
#3: Current ratio below 1 signals near-term liquidity pressure.

CREVATY ADVISORY

Want a Comprehensive Financial Health Assessment?

This calculator provides an indicative financial health score using the information entered. For lending, investment, mergers, acquisitions, strategic planning, or business restructuring, a comprehensive review is recommended. Crevaty Group's financial advisory specialists perform a detailed health assessment, benchmark your business against industry standards, and develop practical action plans to strengthen long-term financial performance.