Forty-plus financial metrics using established formulae. Altman Z-Score, DuPont decomposition, CVP analysis, liquidity ratios and more. Upload a general ledger, receive institutional-grade analysis. Part of the IQ Suite, reconcile with ReconcileIQ, code with CodeIQ, analyse with LedgerIQ. All three products, every plan.
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Use established financial analysis to discuss a client's position with clarity and precision.
Request a prospect's GL export before the meeting. LedgerIQ calculates 40+ metrics (liquidity ratios, margin analysis, cash conversion cycle) so you can discuss their financial position with specificity. Use ReconcileIQ to verify the data first, then CodeIQ to automate the coding that creates your GL.
You're not making claims, you're showing prospects what's already in their numbers. The insight comes from seeing their business through a financial analyst's framework.
"Your Z-Score is 2.1, that places you in the grey zone for financial stress. Here's what's contributing to that score." Specific data, not generalities.
Xero, QuickBooks, Sage, Pandle, or any platform with GL export. Your prospect's software doesn't matter.
Discuss cash conversion cycles, margin erosion and working capital efficiency, not just compliance deadlines.
Prospect sends GL on Tuesday, you run it Wednesday morning, walk in Wednesday afternoon armed with insights.
Every calculation uses established accounting formulae. Altman Z-Score, DuPont decomposition, Piotroski F-Score, and 35+ more ratios used by analysts worldwide.
The industry-standard formula for assessing financial distress risk, developed at NYU and validated across 50+ years of corporate data.
Z > 2.99 safe zone · 1.81 to 2.99 grey zone · Z < 1.81 distress zone
"Your prospect has a Z-Score of 2.1, they're in the grey zone."
Breaks down return on equity into three strategic components, revealing whether returns come from margins, efficiency or leverage.
Instantly identify which lever, profitability, efficiency, or financial leverage, is driving (or dragging) their returns.
"ROE is 18%, but it's all leverage, margins are thin."
Cost-volume-profit analysis with interactive what-if scenarios. See how price changes, cost reductions or volume shifts affect profitability.
Includes contribution margin, margin of safety, and three what-if calculators: target profit, price change impact, cost reduction scenarios.
"They're operating at 12% above break-even, slim safety margin."
Measures how long cash is tied up in operations, from paying suppliers to collecting from customers. Critical for understanding liquidity stress.
Combines Days Sales Outstanding, Days Inventory Outstanding, Days Payables Outstanding into one powerful metric.
"78-day cash cycle, they're funding 2.5 months of operations."
Combines the Altman Z-Score with Piotroski F-Score (9-point fundamental analysis) and liquidity metrics into a single 0 to 100 health rating.
Piotroski F-Score evaluates 9 binary signals: profitability (4 points), leverage/liquidity (3 points), operating efficiency (2 points).
"Financial Health: 72/100, good but watch the leverage."
Intelligent flagging of unusual transactions using materiality thresholds, not just statistical outliers. Catches control violations and structuring patterns.
Categorises findings by severity: Critical (cash irregularities, control violations), Medium (timing anomalies), Low (statistical outliers).
"3 critical anomalies flagged, manual cash journals over £50k."
All formulae are established financial analysis standards. Current Ratio, Quick Ratio, EBITDA margin, Debt-to-Equity, and 35+ more ratios used by analysts and lenders worldwide.
Six valuation methods, Monte Carlo simulation, sensitivity analysis and exit-readiness scoring, from a general ledger export. The same work that costs £5,000 to £50,000 from a corporate finance firm.
Five-year free cash flow projections with terminal value via Gordon Growth Model. Discounted to present value using WACC derived from your actual capital structure.
"Enterprise value: £2.4M based on projected cash generation."
10,000 randomised scenarios varying WACC, growth rates and terminal assumptions. Outputs percentile bands (10th to 90th) so you know the range, not just a point estimate.
"90% confidence: valuation falls between £1.8M and £3.1M."
12-dimension assessment covering revenue growth, margin stability, cash generation, debt health and data integrity (Benford's Law). Composite A-F grade with actionable gaps.
"Exit readiness: B (72/100), strong margins, watch leverage."
Sector-specific multiples across 12 industries. Growth-adjusted. Weighted composite with confidence intervals. Tornado sensitivity analysis identifies which drivers move the needle most.
Four simple steps to financial clarity.
Download CSV or XLSX from Xero, QuickBooks, Sage, Pandle, or any platform. Or use CodeIQ to code your transactions first, then analyse here. Same platforms as ReconcileIQ and CodeIQ, one OAuth connection covers all three.
Drag and drop into LedgerIQ's encrypted vault. AES-256 in transit and at rest. Session data purged after analysis.
AI classifies your accounts automatically. RiQ flags anything ambiguous and offers suggestions for COGS, assets and liabilities.
Explore 40+ dashboards, export PDF board packs, walk into meetings ready.
Meet RiQ, the autonomous AI assistant that doesn't just answer questions, it actively navigates dashboards, analyses your data, and generates comprehensive reports through natural conversation. RiQ works across all three products, explaining reconciliation discrepancies, coding decisions and financial metrics.
Say "Show me my P&L" and watch RiQ instantly navigate to the Profit & Loss module, wait for it to load and provide contextual insights.
RiQ reads your actual financial data in real time. Ask "What's my gross profit margin?" and get instant analysis based on your numbers.
Say "Generate profitability report" and RiQ autonomously visits 10+ modules, collects data and compiles a professional analysis in minutes.
RiQ detects when account classifications are needed and provides AI-powered suggestions for COGS, assets, liabilities and more.
Say "I'm worried about cash flow" and RiQ conducts a multi-module tour, explaining insights at each stop like a financial analyst.
RiQ doesn't wait for you to ask. It automatically spots trends, flags anomalies and suggests next steps based on your data.
RiQ understands context, remembers your conversation and actively works for you.
ReconcileIQ ensures the data is accurate. CodeIQ builds the GL. LedgerIQ reads it.
LedgerIQ costs just 1,000 credits per report. This calculator estimates the time saved vs manual Excel-based analysis. Factor in CodeIQ's coding automation and ReconcileIQ's matching, the combined suite savings are greater still.
Every subscription includes ReconcileIQ and CodeIQ too. Reconcile the bank, code the books, analyse the ledger. One login, one price.
40+ analysis modules from a GL export. Ratios, forecasts, anomaly detection, board pack PDF.
Explore LedgerIQ → ReconcileIQBank-statement matching at 5,000 TPS plus invoice-to-payment reconciliation. any bank via PDF.
Explore ReconcileIQ → CodeIQCodes transactions, classifies VAT, matches invoices, posts to Xero, QuickBooks, Sage or Pandle.
Explore CodeIQ →Short answers. More detail in the guides and manual.
Start with Starter or explore all tiers for practices and enterprises. Every plan includes ReconcileIQ, CodeIQ and LedgerIQ.
For freelancers and small businesses. Includes ReconcileIQ + CodeIQ.
Explore Accountant, Practice and Enterprise plans with higher limits and free client accounts.
Turn prospect GL exports into 40+ financial insights using pure maths, no advisory liability. Show them their business like they've never seen it.
LedgerIQ's analysis is only as good as its input. ReconcileIQ matches your bank statements against your books at 5,000+ transactions per second, finding every discrepancy before you start pulling reports.
LedgerIQ needs a general ledger to work with. If your client's transactions aren't coded yet, CodeIQ handles it. A multi-phase pipeline that codes, classifies VAT, matches invoices and posts everything to their platform in under 2 minutes.
No credit card · No complicated setup · Just instant insights
LedgerIQ works alongside ReconcileIQ and CodeIQ to give accountants and bookkeepers a complete financial automation ecosystem.