Balance Sheet Liquidity Scorecard

Signal Lab · Model

Ratios, NWC (net working capital), and traffic lights vs your policy bands — then dial AR and inventory what-ifs.

Illustrative until you enter your actuals. Not financial advice.

AU services-friendly sample (lower inventory). Edit policy bands to match your desk.

Cash & equivalents

Accounts receivable (AR)

Inventory / WIP (work in progress)

Other current assets

Accounts payable (AP)

Accrued (accrued expenses / liabilities)

Other current liabilities

Revenue (period)

Policy bands (editable)

Green / amber / red thresholds. Defaults are illustrative — set to your board pack.

Current ≥ green

Current ≥ amber (else red)

Quick ≥ green

Quick ≥ amber (else red)

Cash ≥ green

Cash ≥ amber (else red)

Ratios vs policy lights. Dial AR / inventory to see the live recompute.

Adjust AR and inventory. Ratios recompute on the adjusted balances.

AR change

+ AR raises current and quick (more receivables in CA, cash unchanged). − AR lowers those ratios unless the reduction is collected into cash.

Inventory change

+ Inventory = more stock in CA (current ↑, quick unchanged); − Inventory = stock reduction frees CA / cash if sold.

How this is calculated

CA (current assets) = Cash + AR + Inventory + Other CA
CL (current liabilities) = AP + Accrued + Other CL
Current ratio = CA ÷ CL
Quick ratio = (Cash + AR) ÷ CL
Cash ratio = Cash ÷ CL
NWC (net working capital) = CA − CL · NWC / Revenue when revenue is provided
Lights use your editable green / amber floors (below amber = red)
What-ifs add the dialled $ to AR or Inventory and recompute ratios

Further reading (not scraped): Umbrix liquidity ratios · Capital One WC. Illustrative — not advice.

Download or email ratios, bands, what-if case, and Monday pack questions.

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