Your Company
Financial Dashboard · 2026 · v2.7
Live
Financial Health
FY26/27 · Apr 26 onwards
Total Revenue
£178,167
£178,167 of revenue earned so far this financial year (Apr-May 26), with the Apr-Sep 26 outlook pointing to around £549,112.
38.6% Gross Margin
18.7% Net Margin
May 2026 vs April
Revenue
£93,222
▲ +9.7%
Gross P.
£39,630
▲ +36.2%
Net P.
£22,262
▲ +101.4%
Cash
£65,556
▲ +75.2%
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.
£68,730
▲ 38.6% 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.
£33,318
▲ 18.7% 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.
£65,556
▲ 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.
£41,133
▲ 23.1% Margin
Business Health 4 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%
38.6%
🟡 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
18.7%
🟢 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%
23.1%
🟢 Healthy
🏦
Cash BalanceCash Balance is money in the bank. A common safety guide is to hold 2–3 months of running costs (around £90k here) so the business can cover wages and suppliers if income slows.
Keep 2-3 months costs, ~£90k buffer
£66k
🟢 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
+9.7%
🟢 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)
0.51x
🔴 Thin
Project Pipeline £993,322
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.
£993,322
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.
£658,100
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.
£335,222
UnbilledUnbilled is work that's been done (earned) but not yet invoiced to the client. A figure close to zero means invoicing is broadly keeping pace with work delivered.
£1,792
Broadly up to date
Retentions £23,902
Total HeldRetentions are amounts the client holds back from each payment (typically a small % of a job's value) as security until the work is signed off. It's money earned but not yet released.
£23,902
Across 2 live projects
Project AlphaRetention held by Client A on the Project Alpha project, due for release on completion and final sign-off.
£15,617
Client A
Project BetaRetention held by Client B on the Project Beta project, due for release on completion and final sign-off.
£8,285
Client B
Released / NilProject Gamma (Client C) and Project Delta (Client D) currently carry no retention held — either released or not yet applied.
£0
Project Gamma & Project Delta
Performance
Profit & Loss FY25/26 · Apr 25 - Mar 26
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 ItemAprMayJunJulAugSepOctNovDecJanFebMarYTD
▶ Revenue
Sales Revenue£23,336£34,358£38,497£41,854£31,709£23,488£24,725£46,506£27,678£30,548£28,812£62,570£414,081
▶ Cost of Goods
Trade Materials(£13,748)(£11,786)(£21,084)(£15,693)(£21,550)(£24,155)(£33,305)(£27,477)(£38,428)(£22,221)(£36,114)(£33,629)(£299,188)
Gross ProfitGross Profit = sales minus the cost of materials and direct job costs. It's profit before office and running costs.£9,589£22,572£17,413£26,161£10,159(£667)(£8,581)£19,029(£10,750)£8,328(£7,302)£28,941£114,893
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.41.1%65.7%45.2%62.5%32.0%-2.8%-34.7%40.9%-38.8%27.3%-25.3%46.3%27.7%
▶ 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.(£9,829)(£8,716)(£10,544)(£8,928)(£9,738)(£12,940)(£8,182)(£8,739)(£13,538)(£11,277)(£6,839)(£15,852)(£125,123)
▶ Profitability
EBITDAEBITDA is operating profit before interest, tax and accounting write-downs — a clean measure of how profitable the core trading is.(£240)£13,855£6,869£17,233£421(£13,606)(£16,763)£10,290(£24,288)(£2,949)(£14,140)£13,089(£10,230)
EBITDA Margin %EBITDA Margin % is operating profit as a percentage of sales. M&E contractors typically aim for 12–18%.-1.0%40.3%17.8%41.2%1.3%-57.9%-67.8%22.1%-87.8%-9.7%-49.1%20.9%-2.5%
NET PROFITNet Profit is the final bottom line — what's left after every cost. This is the money the business actually keeps.(£240)£11,223£5,564£13,959£341(£13,606)(£16,763)£8,335(£24,288)(£2,949)(£14,140)£10,602(£21,964)
Net Margin %Net Margin % is net profit as a percentage of sales — the share of every £1 of work kept after all costs.-1.0%32.7%14.5%33.4%1.1%-57.9%-67.8%17.9%-87.8%-9.7%-49.1%16.9%-5.3%
Liquidity
Cashflow FY25/26 · Apr 25 - Mar 26
Opening Balance
£37,109
Apr 2025 open
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.
-£3,202
Apr to Mar
Closing Balance
£33,907
Mar 2026 close
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.
~£90k
2-3 months costs
Cash Balance Movement Monthly
Monthly Closing Balances
Apr 2025£41,015
May 2025£49,823
Jun 2025£59,779
Jul 2025£77,092
Aug 2025£78,450
Sep 2025£59,694
Oct 2025£52,986
Nov 2025£58,035
Dec 2025£34,591
Jan 2026£18,818
Feb 2026£18,530
Mar 2026 Closing£33,907
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.
£993,322
RecognisedRecognised revenue is the portion of contract value counted as earned so far, based on how much of each job is complete.
£658,100
RemainingRemaining is contracted work still to be delivered — future revenue that's already secured.
£335,222
UnbilledUnbilled is work that's been done but not yet invoiced. A figure close to zero means billing is broadly up to date with work delivered.
£1,792
Broadly up to date
Overall Profitability by Project £100,575
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
Project Register
Looking Ahead
Forecast Apr 26 - Sep 26
Forecast RevenueForecast Revenue combines actual sales already earned (Apr-May 26) with the Jun-Sep 26 forecast from the project tracker.
£549,112
Apr-May 26 actuals plus Project Tracker Jun-Sep 26
Forecast Net ProfitForecast Net Profit is the projected bottom line after all costs across Apr-Sep 26, combining the Apr-May 26 actuals with the project-tracker forecast for Jun-Sep.
£80,409
Apr-Sep 26 projected, actuals plus tracker forecast
Period-End CashPeriod-End Cash is the projected bank balance at the end of the window (Sep 26), building on the forecast monthly cash movements from the project tracker.
£112,648
Projected Sep 26 closing, above the ~£90k buffer
Apr - May 26 actualsJun - Sep 26 forecastTap or hover any bar for the exact figure
Revenue across the timeline Apr - Sep 26
Profit or loss each month Apr - Sep 26
Cash in the bank across the timeline Apr - Sep 26
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.
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