Financial Health Score for SMEs & Startups

Turn one set of financial statements into a 0-100 financial health score, a diagnosis of what is weak, and a prioritised action list — the kind of read a fractional CFO gives you in a first session.

No API keys, no LLM calls, no data sent anywhere. The scoring is deterministic: the same numbers always produce the same score, and every KPI shows the formula it was computed from.

What it does

The Actor computes 12 KPIs from your income statement and balance sheet, scores each one against a rubric chosen for your sector, and rolls them into a single weighted score.

Category	Weight	KPIs
Profitability	25%	Gross margin, EBITDA margin, net margin
Liquidity	25%	Current ratio, acid-test ratio, cash conversion cycle
Capital efficiency	25%	Debt / equity, interest coverage, working capital days
Growth	25%	Monthly revenue growth, customer concentration, churn

The score lands in one of three bands: 0-40 urgent action needed, 41-70 improvement areas are clear, 71-100 healthy, ready to grow.

A KPI you cannot supply data for is reported as not measured — never silently scored as zero. The report states how many of the 12 were actually measured, so you can see how much the score is worth.

Three sector rubrics are available: general, saas and retail. They change the thresholds — a 12% net margin is strong in retail and unremarkable in SaaS.

What you get

Every run writes these to the run's key-value store:

File	What it is
score-card.md	One-screen summary: score, band, weakest KPIs, top actions
report.html	Full report — every KPI with its formula, value, points, diagnosis and action
report.pdf	The same report, print-ready
table.xlsx	KPI table, inputs and the scoring rubric, as a spreadsheet
data.json	Everything above as structured data
input.json	The exact input the engine used

The dataset row carries the score, band, category, number of measured KPIs, the diagnosis, the weakest KPIs and the recommended actions — so you can chain this into a sheet, a database or another Actor.

Input

Tick Run with sample data for a full example run before you enter anything.

Otherwise fill Financial data with one period of statements. Field names can be English or Turkish. Anything you do not have, leave as null.

{
  "company": "Example Technology Inc.",
  "period": "Last 12 months - end of June 2026",
  "currency": "USD",
  "sectorProfile": "saas",
  "incomeStatement": {
    "netSales": 24500000,
    "costOfSales": 13200000,
    "operatingExpenses": 8100000,
    "depreciation": 600000,
    "interestExpense": 900000,
    "netProfit": 1100000
  },
  "balanceSheet": {
    "cashAndEquivalents": 2400000,
    "tradeReceivables": 4900000,
    "inventory": 1800000,
    "totalCurrentAssets": 9800000,
    "currentLiabilities": 7300000,
    "tradePayables": 3100000,
    "totalFinancialDebt": 5200000,
    "equity": 6100000
  },
  "monthlyRevenue": [1650000, 1700000, 1780000, 1820000, 1900000,
                     1950000, 2050000, 2100000, 2200000, 2280000,
                     2350000, 2450000],
  "annualInflationRate": 3,
  "customer": {
    "largestCustomerShare": 22,
    "annualChurnRate": 12,
    "churnNotApplicable": false
  }
}

Notes:

• Amounts must all be in the same currency. Use plain numbers.
• monthlyRevenue is the last 12 months, oldest first. It drives the compound monthly growth rate.
• annualInflationRate is a percentage. Supply it and growth is scored in real terms instead of nominal — which changes the answer completely in a high-inflation market.
• largestCustomerShare and annualChurnRate are percentages. Set churnNotApplicable: true if churn is not a meaningful metric for your model.
• Instead of the JSON field you can pass Input file URL — a public link to a JSON or CSV file with the same data.

Report language

language: "en" or "tr". Every output — score card, HTML, PDF, spreadsheet — is produced in the chosen language.

Typical uses

• Founders — a quarterly read on whether the business is actually healthy, in language an investor will recognise.
• Investors and accelerators — score a portfolio consistently instead of eyeballing each set of statements.
• Accountants and advisors — turn a trial balance you already have into a client-facing report in one run.
• Lenders — a repeatable first-pass credit read.

Cost

The Actor is free to use; you pay only Apify platform usage for the run. A run takes roughly 15-40 seconds, most of it PDF rendering. Turn Generate PDF off for the cheapest possible run.

Limits and honesty

• The score is a screening tool, not an audit and not investment advice. It sees the numbers you give it and nothing else.
• Garbage in, garbage out: figures taken from an unreconciled ledger produce a confident-looking score that means nothing.
• The rubric encodes one point of view about what "healthy" means. It is documented in table.xlsx so you can disagree with it explicitly.

About

Built by Bloom Consulting, a fractional CFO practice working with startups and SMEs. The paid desktop edition adds period-over-period comparison, your own rubric weights and branded report templates.

• Web: bloomconsulting.com.tr
• Contact: iletisim@bloomconsulting.com.tr

Found a bug or want a KPI added? Open an issue on the Actor page.