SGBS Business Health Assessment

AREA 01

How current are your accounting records?

Select the statement that most accurately reflects your business today.

Fully reconciled and current every monthMostly current, with occasional delaysSeveral months behind or incompleteNo dependable accounting records

AREA 02

How controlled are your SARS obligations?

Consider VAT, PAYE, income tax, notices and supporting records.

All obligations tracked, filed and evidencedGenerally compliant, but monitoring is informalOutstanding returns, notices or uncertainty existMaterial non-compliance or unknown status

AREA 03

Can management rely on current financial information?

Think beyond annual statements: can you make decisions from your numbers during the year?

Monthly reports guide decisions and forecastsReports exist but are not consistently usedInformation is delayed or difficult to interpretDecisions are made mainly from bank balance or instinct

AREA 04

How visible is your future cash position?

Assess whether the business can anticipate shortages and commitments before they occur.

Rolling forecast and cash controls are maintainedCash is monitored but not formally forecastShortages or surprises occur regularlyThe business frequently cannot meet commitments

AREA 05

How controlled are customer collections?

Consider invoicing speed, ageing visibility and follow-up discipline.

Ageing is monitored and follow-up is systematicMost debts are collected with some delaysOverdue balances are material or poorly followed upCollections are unmanaged or largely unknown

AREA 06

Could the business withstand lender or investor scrutiny?

Think of compliance, historical statements, forecasts and supporting evidence.

A complete, current financial pack is availableMost information exists but needs preparationImportant documents or forecasts are missingThe business is not ready for financial scrutiny

AREA 07

Are financial responsibilities and approvals controlled?

Consider separation of duties, payment approvals, document retention and owner dependence.

Responsibilities, approvals and evidence are definedBasic controls exist but rely on key individualsControls are mostly informal or inconsistently appliedOne person controls almost everything without review

Indicative result

Your SGBS Financial Health Score

Strongest control

Priority attention

This assessment is indicative and does not constitute an audit, assurance conclusion, tax opinion or funding decision.

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