Good day, Sean.

7 things need you

Diagnosis for 30 Sep 2026 · read overnight from your books

Since Aug: cash down 29%, now burning ₹59,050 a month, sales down 19%, 1 new problem

1 act this week
3 act this month
3 watch

Open your fix list

RunwayAbove the 6-month line

21.5months

Cash in the bank: ₹12.69L
Spending more than collecting: ₹59,050/mo

6 monthsTDS · 7 Octlasts past 30 Sep 2027

Coming up

Tax and filing dates, with amounts from your books

7OctTDS deposit of about ₹60,500in 7 days · Late payment costs 1.5% a month from the deduction date (s.201(1A)).Act this month

Every month

7thTDS deposit
11thGSTR-1 filing
15thPF and ESI
20thGSTR-3B and GST payment

Act this weekMost urgent

Delivery costs growing faster than billing

The cost of doing the work, such as freelancers and subcontractors, is eating the fee.

Delivery cost / billing52%

Why

Freelancer and subcontractor cost is 52% of billing, up from 17%.
Freelance Analysts Collective billed ₹13.50L over the last 3 months.

What you can do

Match contractor hours to billable client work.
Reprice or rescope the fixed-fee projects that are overrunning.
Bring recurring freelance work in-house if it's cheaper.

Cash in the bank

Month-end balance, Oct 2025 to Sep 2026

Money in and spend

Collected from customers against everything paid out, by month

Money in Spend

Also worth your time

Most urgent first. Open one to see why and what to do.

A single payer's settlement time is drifting, which often comes before a dispute, a cash problem on their side, or a marketplace reserve hold. Act this month.
Why
- Meridian Foods Ltd used to pay in 29 days. Their last four payments took 50 days.
- They are 41% of your billing over the last 12 months.
What you can do
- If it's a marketplace: check the seller dashboard for reserve holds or disputed orders, and reconcile the settlement reports against your invoices.
- If it's a customer: call their accounts team, and pause new work above a credit limit.
Too much billing depends on one client, or that client has just stopped. Act this month.
Why
- Meridian Foods Ltd was 44% of billing and has not been invoiced since 30 Jun 2026.
What you can do
- Confirm with the client whether the work has ended or is only paused.
- Re-forecast cash: collections from their last invoices still arrive for a while.
- Push the sales pipeline.
- Right-size the delivery costs tied to that client.
Clients deducted TDS from your payments. It only comes back as an income-tax refund after the year closes, often more than a year later. Act this month.
Why
- Clients have deducted ₹15.05L of TDS not yet refunded, 119% of your cash.
- Meridian Foods Ltd deducted the most this year: ₹3.90L.
What you can do
- Check Form 26AS each quarter so every rupee of TDS is credited.
- If your final tax will be lower than the TDS, apply for a lower-deduction certificate (Section 197).
- File the income-tax return early to speed up the refund.
Across the business, customers take longer to pay. Watch.
Why
- Customers now pay 55 days after invoice, up from 35 days.
- The slowest payers are Kolhapur Auto Parts and Sahyadri Hospitals.
- Customers owe you ₹18.17L in all.
What you can do
- Send reminders at the due date, and again at +7 and +15 days.
- Add a late-payment clause to new contracts.
- Invoice on milestones instead of at month end.
A single payer's settlement time is drifting, which often comes before a dispute, a cash problem on their side, or a marketplace reserve hold. Watch.
Why
- Kolhapur Auto Parts used to pay in 32 days. Their last four payments took 54 days.
- They are 11% of your billing over the last 12 months.
What you can do
- If it's a marketplace: check the seller dashboard for reserve holds or disputed orders, and reconcile the settlement reports against your invoices.
- If it's a customer: call their accounts team, and pause new work above a credit limit.
A single payer's settlement time is drifting, which often comes before a dispute, a cash problem on their side, or a marketplace reserve hold. Watch.
Why
- Sahyadri Hospitals used to pay in 35 days. Their last four payments took 54 days.
- They are 13% of your billing over the last 12 months.
What you can do
- If it's a marketplace: check the seller dashboard for reserve holds or disputed orders, and reconcile the settlement reports against your invoices.
- If it's a customer: call their accounts team, and pause new work above a credit limit.

This month

What’s going well in your books, and what’s worth a look. Information, not advice.

See all 7

Going well

3 more

Worth a look

Subcontractors and freelancers on client work grew 75%: ₹2.20L → ₹3.84L a month₹3.84L a month₹2.20L a month before

What this report rests on

Every figure is added up from your books. Here is what was checked, and what couldn’t be.

Notes

Cash rests on the bank balance confirmed for 30 Sep 2026 (today).

11 checks found nothing wrong

Runway
Burn rising
Cash confirmed
Overdue invoices
Revenue dropping
Marketing efficiency
Paying twice for tools
Payroll vs revenue
Supplier bills overdue
GST on unpaid invoices
Bills to check before paying

Not checked this time

Gross marginNo cost-of-goods activity; delivery costs are checked by “Delivery costs”.
Inventory daysNo cost of goods this month, or purchases are expensed straight to COGS.
Payment gateway feesNo payment gateway connected..
Gateway money not in the bankNo payment gateway connected..
Advance tax, TDS not deducted, Bank entries missingWaiting for a chartered accountant to sign off the rules before they go live.