Health score · ABC Textiles Pvt Ltd
Financial Health Score
A single 0–100 score per client across liquidity, solvency, efficiency, growth and compliance — benchmarked against industry and sized for CA review.
Vyapars AI · model v2.4.1 · first run pending
Data → AI processing → Risk & exception → Evidence → CA review → Action → Audit trail
Exception-driven workflow
Data5
Tally · bank · GSTN · 26AS
AI Processing2
Classify · match · scrutinise
Risk & Exception1
Anomalies surfaced
Evidence2
Source documents
CA Review1
Human in the loop
Action0
Approve · fix · escalate
Audit Trail0
Every decision logged
Counts are live for ABC Textiles. Every decision you make below flows into the audit trail and rolls up to the Command Center overview.
Composite score
71
Stable
Industry percentile
63rd
textiles · mid-size
Trend · 6 months
+2
margins recovering
Policy floor
60
below = watchlist
Clients below floor
2
Sharma, Patel
0–100 composite of five dimensions
Health score
71
Financial health
ABC Textiles · Jul 2026
Benchmarked against the sector panel (mid-size textiles). Sub-scores below feed the CA close checklist.
What drives the number
Sub-scores
- Liquidity: current ratio 1.24 vs 1.5 floor — working-capital cycle 9 days over benchmark.
- Efficiency: receivable days 46 vs 38 target; DSO adds 8 days of funded cash.
- Growth: two-quarter revenue dip masks a +4.2% Jul recovery.
Twelve-month trend and the actions that move the score
History & uplift
Composite score — last 12 months
- Compliance: 84/100 — no statutory overdue; TDS correction will lift it further.
- Three AR/AP actions would add ~10 points to the composite score this quarter.
Human in the loop — nothing posts without an accountant
CA review queue
2 flagged · worst first
| Exception | Party / Ref | Amount | Date | AI confidence | Status | Actions | |
|---|---|---|---|---|---|---|---|
mediumLiquidity sub-score below policy floor Current ratio dipped to 1.24 against a 1.5 floor; working capital cycle stretched by 9 days versus the sector benchmark. | — | 2026-07-31 | 87% | review | |||
mediumDebt service coverage declining two quarters DSCR fell from 2.1 to 1.7 across two quarters while term repayments stayed constant. | — | 2026-07-31 | 82% | open |