Free Business Health Score

Question 1 of 10 · Bookkeeping

How current are your bookkeeping records?

Up to date — reconciled within the last monthI know my current cash position and monthly P&L

Mostly current — within 1–3 monthsI catch up regularly but there's usually a slight lag

Behind — more than 3 months outstandingI tend to sort it out closer to tax time

I don't have formal bookkeepingTransactions are tracked informally or not at all

Question 2 of 10 · Tax Compliance

How are your SARS tax submissions managed?

All submissions up to date, handled by a registered practitionerIncome tax, VAT, provisional tax — all filed on time

Up to date, but I file myselfNo registered practitioner — I use eFiling directly

Some submissions are overdue or estimatedI've had late submissions or penalties in the past year

Tax is not up to date or I'm not sure of my statusI may have outstanding returns or SARS debt

Question 3 of 10 · Payroll & PAYE

How is employee payroll and PAYE handled in your business?

Outsourced to a payroll professionalEMP201 submitted on time every month, IRP5s generated correctly

Done in-house using Sage Pastel Payroll or similarWe manage our own payroll with accounting software

Done manually or informallyPayslips are generated but PAYE / UIF / SDL may not be accurate

Not applicable — I have no employeesI'm a sole proprietor or work alone

Question 4 of 10 · Cash Flow

How well do you understand and manage your business cash flow?

I have a cash flow forecast and review it regularlyI can see 3+ months ahead and plan accordingly

I monitor my bank balance but don't have a formal forecastI have a general sense but react rather than plan

Cash flow is a challenge — I sometimes struggle to pay expensesThere are months where cash is tight and bills are tight

I have no visibility into my cash flow positionI'm not sure what's coming in or going out next month

Question 5 of 10 · CIPC & Regulatory Compliance

Is your business CIPC annual return and regulatory compliance up to date?

Fully compliant — CIPC, COIDA, POPIA all in orderAnnual returns filed, good standing confirmed

CIPC is up to date but other areas need attentionCOIDA or POPIA compliance may be incomplete

I'm behind on CIPC or other filingsAnnual returns may be overdue or in arrears

I'm not sure what's required or I'm not CIPC registeredI haven't checked my compliance status recently

Question 6 of 10 · Financial Reporting

Do you receive and review management accounts or financial statements?

Yes — monthly management accounts including P&L and Balance SheetI review these with my accountant or bookkeeper regularly

Quarterly or annually onlyI get a picture at year-end but not during the year

Only for tax purposes — I don't use them for decisionsFinancial statements are prepared but not reviewed

I don't have financial statementsI have no formal financial reporting

Question 7 of 10 · Planning & Growth

Does your business have a budget or financial plan for the year ahead?

Yes — a detailed annual budget with monthly targetsWe track actuals vs budget and adjust as needed

An informal plan but no detailed budgetI know roughly what I want to achieve but it's not written down

No formal plan — I operate month to monthDecisions are reactive rather than planned

No plan and I'm not sure where to startBusiness planning feels overwhelming

Question 8 of 10 · Profitability

Do you know your business's gross profit margin and net profit margin?

Yes — I track both monthly and benchmark against industryI understand my cost structure and profitability drivers

I have a rough idea but don't track formallyI know if I'm profitable but not the exact percentages

I'm not sure — the business is active but I don't know if it's truly profitableRevenue is coming in but I'm unclear on margins

The business is not currently profitableI'm operating at a loss or breaking even

Question 9 of 10 · Systems & Software

What accounting or bookkeeping software does your business use?

Sage Pastel, QuickBooks, Xero, or similarIntegrated accounting software with bank feeds and reporting

Excel spreadsheetsManual tracking — functional but limited for growth

Manual records or paper-basedPhysical receipts, manual cashbooks

Nothing formalTransactions not tracked systematically

Question 10 of 10 · Professional Support

Do you work with a registered accountant or tax practitioner?

Yes — a professional handles my complianceTax, payroll, compliance all managed professionally

I use an accountant for year-end onlyOngoing bookkeeping and tax I manage myself

I've used one in the past but not currentlyLooking for the right firm or haven't prioritised it

No — I handle everything myselfNo professional financial support at this stage

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