About FinanceMOT

You have the numbers.
Nobody translates them.

FinanceMOT turns the figures sitting in your accounts into plain English you can act on. This blog does the same job, one topic at a time.

Run your free MOT → No card required · About 2 minutes

What translation looks like

Gross margin 41% → 34% Every sale earns you less than it did last year.
Debtor days 68 You are funding your customers for over two months.
Current ratio 1.8 You can cover what is due. Keep it there.

Why this blog exists

Finance, without the confusion.

Most business owners already have the data. Profit and loss, balance sheet, cash flow statement, all sitting in an accounting package. Access was never the problem. The problem is that nobody explains what any of it means for the decision in front of you this week.

Every article here is written for the person running the business, not the person auditing it. No jargon without a translation. No ratios you will never remember. If a piece does not answer “so what?” and “what do I do now?”, it does not get published.

Your accountant shows you the numbers. We tell you what to do about them.

The tool behind the blog

What FinanceMOT actually does.

A financial health diagnostic for SME owners and accountants, built by Circular Vector Ltd. Three steps, start to finish.

Put your numbers in

Upload a trial balance, drop in a CSV, or type the figures by hand. Two minutes, no integration project.

Get a score out of 100

One Financial Health Score, four pillar scores underneath it, and every KPI flagged green, amber or red.

Work the list

A plain-English summary of what is urgent, what needs watching, and what to fix first. Board-ready if you need it.

How the score works

One score. Four pillars.

The score is weighted, not averaged. Liquidity carries the most because running out of cash is what kills businesses that are otherwise profitable.

01 Liquidity 35% Can you cover what is due in the next 90 days?
02 Profitability 30% Are you making money once every cost is counted?
03 Efficiency 20% How fast does the work you do turn into cash in the bank?
04 Solvency 15% Could the business absorb a bad quarter without breaking?

Who we write for

Two readers. Both busy.

SME owners

You run a business. You do not run a finance department.

You know something is off, but you cannot name it. A report lands from your accountant each quarter and you are not sure what to ask about it. Everything here is written to make sense without a finance qualification.

Accountants and advisors

You understand the numbers. Your clients do not.

You need a faster way to show a client where they stand, and a reason to talk to them about something other than compliance. Run a diagnostic in the time it takes to open the file.

Where to start

Pick the thing keeping you up.

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