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Guides to reading your own numbers.

Practical guides to the data BizzHealth needs, how its figures are worked out, and how to read them. Each one describes the product as it works today.

  • 7Guides, each drawn from the product
  • 18Datasets mapped to what they unlock
  • 15Metrics explained in plain words
Profitability

Gross margin

54.2%

What it counts

What is left of net revenue after the cost of the goods sold, as a percentage. Items with no recorded cost are left out of both sides.

Refund rate

Not measured

Illustrative example with sample data. Not customer data.

Start here.

Three steps, in the order most businesses take them. Each links to the guides that cover it.

  1. Bring your data

    What to upload first, and what each dataset unlocks.

  2. Read the health of the business

    Missing data, the health score, and how findings are ranked.

  3. Look ahead

    How forecasts use your history and your assumptions.

2 guides

Getting started.

How your data comes in, and which dataset feeds which figures, so you know what to bring first.

Getting started · 1 min read

Getting your data in

Import files one dataset at a time, start from the templates, and type small datasets in by hand.

In the product: Data Hub

Read the guide

BizzHealth works from your own records. You bring them in from the Data Hub in the application, one dataset at a time: orders, customers, subscriptions, payments and refunds; products, and the cost of goods on each order line; cash accounts, balances and bank transactions; operating expenses, the balance sheet, receivables, payables and debt; and marketing spend and ad-platform reports.

Each dataset takes a CSV or Excel (.xlsx) file, and each has a template with the columns it expects. Smaller datasets, such as refunds, products, operating expenses and cash balances, can also be entered by hand.

To bring in data from a storefront or an ad platform, export a report from it and import the file into the matching dataset.

Two ways in

  • Import a file

    CSV or Excel (.xlsx), one dataset at a time, starting from its template.

  • Enter by hand

    Smaller datasets such as refunds, products, operating expenses and cash balances.

Getting started · 2 min read

Which data unlocks which analysis

The product's own map of which dataset feeds which figures, so you know what to bring first.

In the product: Data Hub

Read the guide

Every analysis rests on specific records. This is the product's own map of which dataset feeds which figures, so you know what to bring first. Start with orders and customers, then add costs and cash as you go.

Leave a dataset out and the figures that need it read “Not measured”. Nothing is assumed in its place.

See all 18 datasets and what each unlocks

Money

7 datasets

  • Bank and cash accounts, and cash balances

    Where your cash sits, and its balance on a date.

    Unlocks Cash position, runway, cash outlook

  • Bank transactions

    Money in and out of each account, line by line.

    Unlocks Burn, runway, operating cash flow

  • Operating expenses

    Payroll, marketing, technology and the rest of what it costs to run the business.

    Unlocks Net profit, operating margin, forecast

  • Balance sheet

    Your current assets and current liabilities on a date.

    Unlocks Current and quick ratios, working capital

  • Receivables, and payments against them

    Invoices you are owed, and what has been paid.

    Unlocks Days sales outstanding, ageing, collection rate

  • Payables, obligations and recurring commitments

    What you owe suppliers, landlords and payroll, and when it falls due.

    Unlocks Obligation coverage, cash calendar

  • Debt and financing, and repayment schedules

    Loans and facilities, and what each is due to repay.

    Unlocks Debt service, interest cover, leverage

Sales

5 datasets

  • Customers

    The people who buy from you, and when they first ordered.

    Unlocks Active customers, retention, churn, cohorts

  • Orders

    Completed orders and their totals: the revenue base.

    Unlocks Revenue, average order value, growth

  • Subscriptions

    Recurring plans, their status and price.

    Unlocks Active subscriptions, recurring revenue, churn

  • Payments

    Money actually collected, and when it settled.

    Unlocks Collected revenue, cash inflows

  • Refunds

    Money given back.

    Unlocks Net revenue, refund rate

Products

2 datasets

  • Products and services

    What you sell.

    Unlocks Product breakdown, subscription matching, order-line costs

  • Order lines and cost of goods

    What each order sold, with its unit cost at the time of the sale.

    Unlocks Cost of goods, gross profit, gross margin

Operations

2 datasets

  • Consultations

    Intake, consult and decision records.

    Unlocks Consult volume, approval rate, time to decision

  • Fulfilment

    Shipping and delivery events for each order.

    Unlocks Time to ship, delivery time

Growth

2 datasets

  • Marketing spend

    What you spend acquiring customers, by channel and date.

    Unlocks Acquisition cost, payback, LTGP:CAC

  • Marketing spend by channel

    Your ad spend, tagged by channel (for example Meta or TikTok).

    Unlocks Acquisition cost and payback by channel

3 guides

Reading the numbers.

Why a figure can read “Not measured”, how the health score is built, and how findings are ranked.

Reading the numbers · 1 min read

Not measured is not zero

Why some figures say “Not measured”, and how to fill them in.

In the product: Every dashboard

Read the guide

A missing figure and a zero are different facts. Zero sales from a channel means you sold nothing there. No data from a channel means nobody can tell, and a zero would hide that.

Where BizzHealth knows a figure has no data behind it, it says so and shows “Not measured” instead of a zero. Where it can, it names the data that would complete it, for example “Not measured: add cash inflows in the Data Hub”.

The same rule runs through the datasets themselves:

  • Until you record refunds, BizzHealth says so rather than assuming there were none.
  • Burn is measured from bank transactions. Without them it is unknown, not zero.
  • Without payments recorded against your invoices, every invoice reads as unpaid.
  • A cash balance reads as stale after seven days without a new one.

Many headline figures also carry their definition, so you can check what a number counts before you act on it.

Example: the same channel, two facts

  • Sales from the channel

    $0

    You sold nothing there.

  • Sales from the channel

    Not measured

    No data: nobody can tell.

Reading the numbers · 1 min read

How the Business Health Score works

Five weighted components, and a floor below which no score is shown.

In the product: Overview

Read the guide

The Business Health Score sums up the business in one number. It combines five components, each with a fixed weight: profitability 25%, liquidity 20%, efficiency 20%, growth 20% and customer health 15%.

The score is shown only when enough components rest on evidence: at least three of the five, and at least two of those compared against benchmarks. Below that floor the score is withheld. It is not rebuilt from whatever is left, because one component standing in for five would not be a health score.

Above the floor, a component without evidence is left out, and the weights of the others are scaled up to fill its place. Its benchmarks compare against simulated peer data.

The five components and their weights

  • Profitability25%
  • Liquidity20%
  • Efficiency20%
  • Growth20%
  • Customer health15%

Reading the numbers · 1 min read

How findings are ranked

A fixed catalog of rules, one weighted score, and a suggested action on every finding.

In the product: Insights and recommendations

Read the guide

BizzHealth's findings come from a fixed catalog of rules, not from an AI model. A rule looks for a specific pattern in your figures (costs in one category creeping up, cash runway running short, invoices taking longer to collect) and, when it finds one, writes the finding from a template filled with your own numbers.

Findings are then ranked by one weighted score, so the one that matters most comes first. The score weighs six things:

  • expected impact, 30%
  • urgency, 20%
  • confidence, 15%
  • the gap to benchmark, 15%
  • strategic fit, 10%
  • ease of acting on it, 10%

Each finding ends in a suggested action. The action is a starting point for your judgement, not an instruction.

Looking ahead.

How forecasts use your history and your assumptions, and how they say which is which.

Looking ahead · 1 min read

Forecasts and the assumptions behind them

Every input is labelled by where it came from, and a forecast built on assumptions says so.

In the product: Forecasting

Read the guide

A forecast projects your own history forward, so it needs some history to start from. With too little, BizzHealth says there is not enough history instead of drawing a line.

Eight metrics are forecast: net revenue, net profit, cash flow, orders, new customers, acquisition cost, retention and churn.

Each input to a forecast is labelled by where it came from: measured from your data, your assumption, an assumed default used because the data to measure it is missing, or partly measured. When any input is not measured, the forecast is marked “Scenario, not a measurement” and lists the inputs that are not.

You set the assumptions on the Assumptions page and can compare a base, a best and a worst case. Saved assumptions are used by every forecast page.

A forecast is a possible outcome on stated assumptions. It is not a prediction of what will happen.

Example: a net profit forecast’s inputs, each labelled

  • Monthly history (measured)
  • Gross margin (your assumption)
  • Churn baseline (assumed default)
  • Operating expense (partly measured)

Fifteen metrics in plain words.

Plain-language versions of the definitions BizzHealth uses for its figures. The full definition of any figure is in the product.

1 min read

In the product: Metric definitions

Net revenue
Sales after refunds and chargebacks are taken off.
Refund rate
Refunds as a share of gross revenue.
Average order value
Net revenue per completed order.
Gross margin
What is left of net revenue after the cost of the goods sold, as a percentage. Items with no recorded cost are left out of both sides.
Net margin
Net profit as a share of net revenue. Not shown until you add operating expenses.
CAC (acquisition cost)
Marketing spend in a period divided by the new customers it brought.
LTGP
Lifetime gross profit: the gross profit an average customer is expected to bring over their time with you. An estimate.
LTGP:CAC
How many dollars of lifetime gross profit each dollar of acquisition spend buys.
Retention (30 days)
The share of customers active at the start of a period who are still active at its end.
Churn (30 days)
The share of customers active at the start of a period who stopped.
Repeat purchase rate
Of the customers who can reorder and ordered in the period, the share who ordered twice or more.
Burn rate
Average monthly cash out minus cash in, over the last three full months. Negative means the business generates cash.
Cash runway
Months of available cash at the current burn. A business that generates cash shows “Cash generative”.
Current ratio
Current assets divided by current liabilities.
DSO
Days sales outstanding: how long invoices stay unpaid, on average.

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