Example build, fictional company · Kallio Engineering Ltd
Finance dashboard from a bookkeeping export: income, costs, cash and a forecast
You see cash runway and EBITDA at a glance every Monday.
A fictional machine shop's financial figures sit in the accounting software, and management sees them once a month in a report. The program read 24 months of income statements and balance sheets as a CSV export and calculated this page's figures.
Kallio Engineering LtdFinancial position · September 2026
The company sets the thresholds itself. The colour shows whether a figure is within its own target.
EBITDA margin, 12 months
10.5 %
On track
Target 10 %, alert below 6 %
Equity ratio
62.7 %
On track
Target 40 %, alert below 25 %
Cash runway
1.0 months
Watch
Target 1.5 months, alert below 0.75 months
Lowest forecast cash
€144,606
Alert
Target 250 k€, alert below 150 k€
Figures as a table
| Month | Cash | Cash flow | Range |
|---|---|---|---|
| October 2025 | €150,014 | €22,910 | |
| November 2025 | €112,937 | -€37,077 | |
| December 2025 | €130,105 | €17,168 | |
| January 2026 | €123,897 | -€6,208 | |
| February 2026 | €123,981 | €85 | |
| March 2026 | €132,010 | €8,029 | |
| April 2026 | €151,346 | €19,336 | |
| May 2026 | €175,356 | €24,009 | |
| June 2026 | €170,377 | -€4,979 | |
| July 2026 | €182,843 | €12,466 | |
| August 2026 | €153,305 | -€29,538 | |
| September 2026 | €159,263 | €5,958 | |
| October 2026 (forecast) | €175,193 | €15,931 | €169,559 - €180,828 |
| November 2026 (forecast) | €144,606 | -€30,587 | €136,637 - €152,575 |
| December 2026 (forecast) | €170,509 | €25,903 | €160,749 - €180,269 |
The alert is on because the lowest forecast cash (€144,606, November 2026) falls below the company's own limit of €150,000. Cash has dipped in November two years running because of a machine investment, and the forecast repeats that. The forecast is an estimate, not a promise. It extends the trend and seasonality of 24 months and knows nothing of new orders or loans.
Figures by group as a table
| Month | Machining | Welding and assembly | Service and spare parts | Materials and subcontracting | Personnel | Depreciation | Premises | Machinery and equipment | Other costs | Financing |
|---|---|---|---|---|---|---|---|---|---|---|
| October 2025 | €114,250 | €67,666 | €29,271 | €83,302 | €61,069 | €7,546 | €9,479 | €4,690 | €8,675 | €1,352 |
| November 2025 | €114,086 | €61,838 | €27,216 | €86,391 | €60,932 | €8,254 | €11,343 | €6,771 | €7,604 | €1,313 |
| December 2025 | €91,033 | €50,213 | €21,639 | €70,190 | €61,285 | €8,254 | €11,290 | €7,685 | €9,046 | €1,274 |
| January 2026 | €94,503 | €54,456 | €22,014 | €69,562 | €62,699 | €8,254 | €11,225 | €7,056 | €7,689 | €1,235 |
| February 2026 | €102,734 | €58,182 | €22,939 | €77,064 | €63,419 | €8,254 | €11,186 | €7,758 | €8,768 | €1,196 |
| March 2026 | €111,252 | €60,689 | €26,888 | €80,360 | €62,374 | €8,254 | €11,337 | €5,918 | €8,975 | €1,157 |
| April 2026 | €116,528 | €65,645 | €26,071 | €88,261 | €62,795 | €8,254 | €9,673 | €7,336 | €9,212 | €1,118 |
| May 2026 | €118,509 | €68,966 | €26,922 | €89,686 | €63,246 | €8,254 | €9,674 | €5,082 | €7,892 | €1,079 |
| June 2026 | €109,835 | €56,230 | €24,580 | €78,779 | €94,901 | €8,254 | €9,692 | €6,977 | €8,079 | €1,040 |
| July 2026 | €61,659 | €34,166 | €15,058 | €43,219 | €62,773 | €8,254 | €9,722 | €7,851 | €9,053 | €1,001 |
| August 2026 | €98,114 | €51,650 | €24,105 | €71,717 | €62,909 | €8,254 | €9,563 | €5,959 | €8,809 | €962 |
| September 2026 | €126,534 | €69,358 | €27,096 | €91,228 | €63,281 | €8,254 | €9,439 | €4,943 | €8,610 | €923 |
Figures as a table
| Month | Revenue | EBITDA | Profit |
|---|---|---|---|
| October 2025 | €211,187 | €43,972 | €35,074 |
| November 2025 | €203,140 | €30,100 | €20,533 |
| December 2025 | €162,885 | €3,389 | -€6,139 |
| January 2026 | €170,974 | €12,743 | €3,254 |
| February 2026 | €183,855 | €15,660 | €6,210 |
| March 2026 | €198,829 | €29,865 | €20,454 |
| April 2026 | €208,244 | €30,967 | €21,595 |
| May 2026 | €214,397 | €38,816 | €29,483 |
| June 2026 | €190,646 | -€7,783 | -€17,077 |
| July 2026 | €110,883 | -€21,735 | -€30,990 |
| August 2026 | €173,869 | €14,913 | €5,696 |
| September 2026 | €222,988 | €45,488 | €36,311 |
EBITDA for 12 months €236,395, 10.5 % of revenue. July is the holiday month, and holiday bonuses are paid in June.
Monthly summary, September 2026
TemplateThis is the summary template. The figures are filled in from this page's data by calculation, with no language model. For a client the summary is a draft that the company reviews itself.
Revenue was €222,988, €49,118 (28.3 %) more than in August. The largest change was in Machining (+€28,420).
Costs were €186,677, €18,504 (11.0 %) more than in August. The largest change was in Materials and subcontracting (+€19,511).
EBITDA was €45,488, compared with €14,913 in August. Cash at month end was €159,263, €5,958 more than at the end of August.
Indicators
- Alert: Lowest forecast cash €144,606 (November 2026) is below the limit of €150,000. There is no comparison with the previous month, because the forecast needs 24 months of history.
- Watch: Cash runway 1.0 months, target 1.5 months and alert below 0.75 months. The status was the same in August.
- On track: EBITDA margin, 12 months 10.5 % and Equity ratio 62.7 %. EBITDA margin, 12 months: the status in August was Watch.
Gives no investment, tax or financing advice. The summary says what happened in the figures; the decisions are the company's.
How the forecast is calculatedTrend and seasonality, four steps.
- Trend: how much the monthly cash flow has changed in a year when the same months are compared. In this data, €313 a month.
- Seasonality: each calendar month's average deviation from the trend. That is why at least 24 months of history are needed.
- Forecast: the trend extended plus that month's seasonal deviation, three months ahead.
- Range: the standard deviation of the historical deviations (€5,635), and the range widens month by month.
Where the figures come from, and the reconciliation
- tuloslaskelma.csv288 rows
- tase.csv150 rows
- raja-arvot.csv4 rows
The balance sheet balances every month: the largest difference between assets and liabilities is €0. The monthly profit explains the change in equity: largest difference €0. Income in the last month totals €222,988.
Calculated by the program from fictional data on 2 October 2026. This pipeline has no language model.
What was done
- The program grouped income and costs by account and calculated EBITDA for every month.
- It calculated the equity ratio and how many months the cash would last.
- A 3-month cash forecast was calculated from trend and seasonality, with an uncertainty range.
- Reconciliation: the balance sheet balances every month, and the profit explains the change in equity.
What the build did not do
- Used no language model: this example is plain calculation.
- Does not decide what a good figure is. The company sets the thresholds itself.
- The forecast is an estimate. It knows nothing of new orders, investments or loans.
- Is not connected to the accounting software: the data was read from a CSV export.
This example is built on
Management reporting