Balance Sheet Liquidity Scorecard
A liquidity scorecard with policy lights on current, quick, and cash ratios.
It measures NWC and ratio headroom vs your bands, plus simple AR/inventory what-ifs.
Use it to test whether a collection or inventory move restores policy before you talk to the bank.
Your numbers stay in this browser. Export only — nothing is uploaded. Illustrative, not financial advice.
Balance Sheet Liquidity Scorecard
Ratios, NWC (net working capital), and traffic lights vs your policy bands — then dial AR and inventory what-ifs.
Balances and policy
AU services-friendly sample (lower inventory). Edit policy bands to match your business.
Scorecard and what-ifs
Ratios vs policy lights. Dial AR / inventory to see the live recompute.
What-if dials
Adjust AR and inventory. Ratios recompute on the adjusted balances.
+ AR raises current and quick (more receivables in CA, cash unchanged). − AR lowers those ratios unless the reduction is collected into cash.
+ 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.
Take it with you
Get the worked example workbook in Excel — ratios, bands, what-if case, and Monday pack questions.
The Excel is the worked example workbook — type your own numbers into it. Stays on your device.