Your Company
Financial Dashboard · 2026 · Demo
Live
Financial Health
Jan - May 2026 · YTD
Total Revenue
£344,598
£344,598 earned year to date. The 2026 project book carries a further £287,015 of remaining contract value, but the Jun to Dec forecast shows costs running ahead of revenue.
33.3% Gross Margin
10.2% Net Margin
May 2026 vs April
Revenue
£108,668
▲ +13.5%
Gross P.
£51,075
▲ +62.9%
Net P.
£30,163
▲ +203.5%
Cash
£83,379
▲ +111.1%
Gross ProfitGross Profit is what's left from sales after paying for materials and direct job costs — but before office overheads. It shows whether the work itself is priced profitably.
£114,802
▲ 33.3% Margin
Net ProfitNet Profit is the true bottom line — what remains after all costs: materials, labour and running the business. This is the money the company actually keeps.
£34,976
▲ 10.2% Margin
Cash in BankCash in Bank is the actual money available right now. A business can be profitable on paper yet still run short of cash if invoices haven't been paid — so this is watched closely.
£83,379
▲ May closing
EBITDAEBITDA = Earnings Before Interest, Tax, Depreciation & Amortisation. In plain terms, it's the profit from day-to-day trading, stripping out financing and accounting effects — a clean view of operating performance.
£43,179
▲ 12.5% Margin
Business Health 3 of 6 Green
📈
Gross MarginGross Margin is gross profit as a % of sales. Higher is better — it means more of every £1 of work is kept after direct costs. Contractors typically run 35–45%.
Aim >40% · Contractor avg 35-45%
33.3%
🟡 OK
💰
Net MarginNet Margin is net profit as a % of sales — the share of revenue kept after every cost. Below 5% leaves little room for error; above 10% is healthy.
Target >10% · Below 5% = urgent
10.2%
🟢 Healthy
EBITDA MarginEBITDA Margin shows operating profit as a % of sales, before financing and accounting effects. For mechanical & engineering firms, 12–18% is the usual benchmark.
M&E benchmark 12-18%
12.5%
🟡 Average
🏦
Cash BalanceCash Balance is money in the bank. A common safety guide is to hold 2–3 months of running costs (around £100k here) so the business can cover wages and suppliers if income slows.
Keep 2-3 months costs, ~£100k buffer
£83k
🟢 Healthy
📊
MoM Revenue GrowthMonth-on-Month Revenue Growth compares this month's sales with last month's. Steady positive growth (3%+) signals a healthy, expanding workload.
3%+ consistent growth
+13.5%
🟢 Growing
🔨
Pipeline CoverPipeline Cover measures remaining contracted work against revenue earned so far. Above 1.5× means there's a comfortable cushion of future work already secured.
Remaining contracts vs YTD (aim >1.5x)
0.83x
🟡 OK
Project Pipeline £1,026,854
PipelinePipeline is the total value of all contracts on the books — work won, whether or not it has started yet. It represents the full order book.
£1,026,854
RecognisedRecognised revenue is the portion of contract value counted as earned so far, based on how much of each job is complete — not necessarily what's been invoiced yet.
£344,598
RemainingRemaining is contracted work still to be delivered — the order book yet to be earned. It's a guide to how much future revenue is already secured.
£287,015
UnbilledUnbilled is work that's been done (earned) but not yet invoiced to the client. A negative figure flags revenue that should be invoiced promptly to bring in cash.
-£25,625
⚠️ Invoice now
Performance
Profit & Loss Jan - May 2026
Where each month's money goes
Every bar is that month's total revenue, split into where it went. Costs and tax are stacked at the bottom; the green slice on top is the profit kept. A bar dipping below the line means that month lost money.
Full P&L Statement
Line ItemJanFebMarAprMayYTD
▶ Revenue
Sales Revenue£31,827£32,729£75,648£95,726£108,668£344,598
▶ Cost of Goods
Trade Materials(£27,949)(£40,490)(£39,400)(£64,364)(£57,593)(£229,796)
Gross ProfitGross Profit = sales minus the cost of materials and direct job costs. It's profit before office and running costs.£3,878(£7,762)£36,248£31,362£51,075£114,802
Gross Margin %Gross Margin % is gross profit shown as a percentage of sales. It tells you how much of each £1 of work is kept after direct costs.12.2%-23.7%47.9%32.8%47.0%33.3%
▶ Operating Expenses
Total OpExOperating Expenses (OpEx) are the costs of running the business that aren't tied to a single job — things like office, admin, insurance and vehicles.(£13,844)(£8,518)(£16,328)(£19,093)(£13,838)(£71,623)
▶ Profitability
EBITDAEBITDA is operating profit before interest, tax and accounting write-downs — a clean measure of how profitable the core trading is.(£9,967)(£16,280)£19,920£12,269£37,238£43,179
EBITDA Margin %EBITDA Margin % is operating profit as a percentage of sales. M&E contractors typically aim for 12–18%.-31.3%-49.7%26.3%12.8%34.3%12.5%
NET PROFITNet Profit is the final bottom line — what's left after every cost. This is the money the business actually keeps.(£9,967)(£16,280)£16,134£9,939£30,163£34,976
Net Margin %Net Margin % is net profit as a percentage of sales — the share of every £1 of work kept after all costs.-31.3%-49.7%21.3%10.4%27.8%10.2%
Liquidity
Cashflow Jan - May 2026
Jan Balance
£15,702
First known close
Net ChangeNet Change is the difference between the opening and closing cash balance over the period — how much the bank balance grew or shrank in total.
+£67,678
Jan to May
May Balance
£83,379
Closing
Buffer TargetBuffer Target is a recommended cash cushion — usually 2–3 months of running costs — so the business can keep paying staff and suppliers if income slows.
~£100k
2-3 months costs
Cash Balance Growth Monthly
Monthly Closing Balances
Jan 2026£15,702
Feb 2026£6,906
Mar 2026£27,070
Apr 2026£39,494
May 2026 Closing£83,379
⚠️ Look ahead
The Jan to May trend is positive, but the Jun to Dec forecast runs at a loss each month and draws cash down from £83,379 to around £9,622 by December. See the Forecast tab.
Delivery
Projects 3 active · 1 inactive
PipelinePipeline is the total value of all contracts on the books — work won, whether or not it has started yet.
£1,026,854
RecognisedRecognised revenue is the portion of contract value counted as earned so far, based on how much of each job is complete.
£344,598
RemainingRemaining is contracted work still to be delivered — future revenue that's already secured.
£287,015
UnbilledUnbilled is work that's been done but not yet invoiced. A negative figure flags revenue that should be invoiced soon to bring in cash.
-£25,625
⚠️ Invoice
Overall Profitability by Project £157,560
What do "original margin" and "original markup" mean?

Say a job costs you £88 to do and you charge the client £100. You keep £12. That £12 is the same money - these two numbers just measure it differently.

Original markup +14%
What you add on to your costs. £12 added on to £88 of cost is about a 14% markup.
Original margin 12%
What you keep out of the price. £12 kept from the £100 you charged is a 12% margin.

In short: markup is on top of cost, margin is part of the price. The green or red tag shows how each job is really doing against the margin you originally quoted - green is better than planned, red is worse.

Forecast Profit per Project 2026
Crown Plaza
PRJ-002 · Beacon Construction · 84% complete
Planned vs quote
Original margin12.4%Original markup14.1%+36.2 pts vs quote
£63,104
48.5%
actual margin
94.4%
actual markup
Maple Court
PRJ-001 · Northgate Developments · 88% complete
Planned vs quote
Original margin10.7%Original markup12.0%+4.6 pts vs quote
£44,680
15.3%
actual margin
18.0%
actual markup
Riverside House
PRJ-004 · Kingsway Group · not started
Planned vs quote
Original margin15.1%Original markup17.8%+2.9 pts vs quote
£33,960
18.0%
actual margin
22.0%
actual markup
Elmwood Care Home
PRJ-003 · Summit Contracts · not started
Planned vs quote
Original margin0.0%Original markup0.0%no quoted margin
£15,819
72.1%
actual margin
258.6%
actual markup
Total forecast profit
Across all 2026 projects
£157,560
blended
Project Register
PRJ-001
Maple Court
Northgate Developments
£620,328
Contract value
Completion88%
Margin & markup analysis
Actual margin15.3%Actual markup18.0%Original margin10.7%Original markup12.0%+4.6 pts vs quote
PRJ-002
Crown Plaza
Beacon Construction
£190,910
Contract value
Completion84%
Margin & markup analysis
Actual margin48.5%Actual markup94.4%Original margin12.4%Original markup14.1%+36.2 pts vs quote
PRJ-003
Elmwood Care Home
Summit Contracts
£0
Contract value
Completion0%
Margin & markup analysis
Actual margin72.1%Actual markup258.6%Original margin0.0%Original markup0.0%no quoted margin
PRJ-004
Riverside House
Kingsway Group
£215,616
Contract value
Completion0%
Margin & markup analysis
Actual margin18.0%Actual markup22.0%Original margin15.1%Original markup17.8%+2.9 pts vs quote
Looking Ahead
FY26 Forecast Full Year
Full-Year RevenueFull-Year Revenue combines actual sales already earned (Jan–May) with the forecast for the rest of the year (Jun–Dec) from the project tracker.
£637,223
Actuals Jan to May plus Project Tracker Jun to Dec
FY26 Net ProfitFull-Year Net Profit is the projected bottom line for the whole year after all costs. A negative figure means a forecast loss unless action is taken.
-£30,320
A full-year loss after all costs
Dec CashDecember Cash is the projected bank balance at year-end. A negative figure means the business is forecast to run out of cash without new work or earlier billing.
£9,622
Positive but below the ~£100k buffer
⚠️ Cash Warning - profit negative across Jun to Dec
On the current Jun to Dec forecast, costs run ahead of revenue every month and EBITDA stays negative, giving a full-year loss of -£30,320. Cash stays positive but erodes from £83,379 to about £9,622 by December - well below the ~£100k buffer target. Action: pull forward billing on Maple Court and Crown Plaza, confirm Riverside House and Elmwood start dates, and secure Q4 work.
Jan-May actualsJun-Dec forecastTap or hover any bar for the exact figure
Revenue across the year Jan-Dec
Profit or loss each month Jan-Dec
Cash in the bank across the year Jan-Dec
Pricing
Job Cost & Markup Calculator Per job

Price a single job properly. Enter what the job costs you and the calculator works out the quote that covers your costs, your share of overheads, a risk buffer, and the profit you want to keep. The overhead, jobs-per-month and target margin are pre-filled from your live dashboard - change anything to explore.

Overhead, jobs per month and target margin are taken from your dashboard.
01Direct job costs
£
£
£
£
£
02Overhead & target
£
jobs
%
%
Quote & profitability summary
Direct costs
£0
labour + materials + plant
Overhead allocation
£0
your share of monthly OH
Contingency
£0
risk buffer
Minimum quote (ex VAT)
£0
break-even point
Recommended quote (ex VAT)
£0
includes target profit
Quote inc. VAT
N/A
what client pays
Markup on cost
0%
% added to total cost
Net profit £
£0
money in pocket
⚠ Enter your costs above to see results
Cost build-up
Labour£0
Materials£0
Plant / hire£0
Subcontractors£0
Other direct£0
Overhead (this job)£0
Contingency£0
Total cost£0
Profit (target)£0
Recommended quote£0
Common mistakes that kill margin
Never quote without including overhead. Every job must pay its share, otherwise profit is just subsidising your fixed costs.
Margin is not markup. A 20% margin means profit is 20% of the sale price. A 20% markup means profit is 20% of cost, which is only 16.7% margin. Know the difference.
Contingency is not optional on construction. Weather, waste, variations, late subcontractors - something always goes wrong. 5 to 10% minimum.
If you are VAT registered, never include VAT in profit calculations. Quote ex-VAT; the 20% belongs to HMRC, not you.
Update Dashboard
Upload Excel, download, then re-upload to Netlify
Tap to choose your Excel file
or drag & drop the master file here
Director Access
Enter the passcode to update the dashboard.
✓ Figures loaded - now download to publish