LedgerIQ VOL. II · THE ANALYSIS ISSUE
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No. 03 Financial intelligence

LedgerIQ

The numbers, finally speaking clearly.

LedgerIQ turns a transaction-level general ledger into 44 analysis modules, forecasts, valuations and a board-ready brief.

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44
Analysis modules
6
Valuation methods
10,000
Monte Carlo runs
<60s
Upload to analysis
LedgerIQ · Financial analysis 44 modules · one upload Issued ·
No. 03 Financial intelligence

One ledger in.
A CFO’s brief out.

The numbers, finally speaking clearly.

Export a general ledger from any platform — or keep it live in IQ Books. LedgerIQ reads it through 44 analysis modules, then RiQ writes the board pack.

Start free today View the plates No card · 14-day trial
44 Analysis modules
6 Valuation methods
10,000 Monte Carlo runs
<60s Upload to analysis
LedgerIQ overview dashboard: months of trading, revenue, profit and health score with revenue versus expenses chart
The overview brief
LedgerIQ revenue forecast: backtested projection with actuals in solid, forecast dashed and a confidence band
Revenue forecast
LedgerIQ financial health scoring with Altman Z-Score and Piotroski F-Score
Health score
Reads the full ledgerAny platform exportTransaction-level detailBoard-ready outputRiQ writes the brief
No. 01 Watch

Two minutes, start to brief

A ledger goes in. Statements, ratios, forecasts and the RiQ narrative come out.

View the real product demo →

No. 02 The plates

Not mock-ups. Output.

Real screenshots from a live session — the same screens you get about a minute after upload.

LedgerIQ — The overview brief
Fig. 01The overview brief. Upload a GL and the front page writes itself — headline, health score, cash & runway, where the money goes.
LedgerIQ financial health screen: Altman Z-Score and Piotroski F-Score gauges combined into a single health score with the reasoning listed
Fig. 02Financial health. Altman Z-Score and Piotroski F-Score composited into one score — and the reasoning behind it.
LedgerIQ revenue forecast chart: actual revenue as a solid line, projection dashed, inside a shaded confidence band
Fig. 03Revenue forecast. An honest backtested projection — fact in solid, forecast dashed, with a confidence band and its method in plain English.
LedgerIQ — Revenue insights
Fig. 04Revenue insights. Streams, concentration and momentum — where the top line really comes from.
LedgerIQ — Revenue growth
Fig. 05Revenue growth. Month-on-month and year-on-year growth, the trend read for you.
LedgerIQ — Expense structure
Fig. 06Expense structure. The story of your spend: fixed vs variable, category mix, and where to act first.
LedgerIQ — Expenses over time
Fig. 07Expenses over time. Every cost line tracked monthly — spikes and quiet creep both surfaced.
LedgerIQ — Break-even & CVP
Fig. 08Break-even & CVP. Break-even point, safety margin, operating leverage and a cost-volume-profit map with you marked on it.
LedgerIQ — Break-even, in numbers
Fig. 09Break-even, in numbers. The full cost-volume-profit breakdown sitting behind the map.
LedgerIQ — What-if CVP
Fig. 10What-if CVP. Move price, volume or cost and watch break-even and profit respond live.
LedgerIQ — Working capital
Fig. 11Working capital. Receivables, payables and inventory — the cash tied up in simply running the business.
LedgerIQ — Cash runway simulator
Fig. 12Cash runway simulator. How long the cash lasts under your assumptions, the tight spots flagged early.
LedgerIQ — Cash conversion cycle
Fig. 13Cash conversion cycle. The days it takes to turn spend into cash, benchmarked.
LedgerIQ DuPont decomposition: return on equity broken into net margin, asset turnover and financial leverage
Fig. 14DuPont decomposition. Return on equity broken into margin, asset turnover and leverage.
LedgerIQ — Investment & returns
Fig. 15Investment & returns. Return on assets and capital measured against what's been put in.
LedgerIQ — Industry comparison
Fig. 16Industry comparison. Your ratios set side by side with sector benchmarks.
LedgerIQ — Productivity
Fig. 17Productivity. Revenue and profit per head — output measured against cost.
LedgerIQ — RiQ, your analyst
Fig. 18RiQ, your analyst. Ask in plain English — RiQ navigates the modules, pulls the figures and explains them, every number click-to-verify.
No. 03 In this issue

General ledger analysis, in 44 modules

Forty-four modules. Every plan. One upload.

Core statements · 7

  • Trial balance
  • Profit & loss
  • Balance sheet
  • Cash flow statement
  • Changes in equity
  • Common-size P&L
  • Common-size balance sheet

Ratios & efficiency · 9

  • Liquidity
  • Debt & leverage
  • Return ratios
  • Working capital
  • Cash conversion cycle
  • Receivables
  • Payables
  • Inventory
  • Productivity

Advanced analysis · 11

  • DuPont decomposition
  • Altman Z-Score
  • Piotroski F-Score
  • Break-even / CVP
  • What-if CVP scenarios
  • Capital structure
  • Credit risk & lending
  • Tax efficiency
  • Anomaly detection
  • Health scoring
  • Asset management

Trends & forecasting · 7

  • Ratio trends
  • Key P&L trends
  • Key balance sheet trends
  • Metrics trend
  • Seasonality
  • Revenue forecasting
  • Budget vs actual

Revenue & cost · 5

  • Revenue insights
  • Margin analysis
  • Profitability
  • Expense structure
  • Expense correlation

Exports · 4

  • Board pack PDF
  • Excel export
  • Chart images
  • Business report

Assurance · 1

  • Examination pack
44 modules · included on every plan · established formulae throughout
No. 04 The copilot

RiQ reads the numbers with you

Not a chat box bolted on — an analyst with its hands on the controls.

  • — 01

    It works the problem

    Ask a question and RiQ runs a real investigation — opens modules, drills accounts, checks its own findings, then answers.

  • — 02

    Every figure, verifiable

    Numbers in RiQ’s answers carry a verify chip — click one and it drills into the exact transactions behind the figure.

  • — 03

    Ask RiQ, everywhere

    Every module and every sub-view carries an Ask RiQ button, pre-briefed on exactly what you’re looking at.

  • — 04

    It writes the board pack

    Exports ship with RiQ commentary on each statement, recommended actions and an outlook — grounded in your figures.

  • — 05

    It speaks up first

    Breached targets and patterns worth chasing surface as quiet nudges — before you thought to ask.

  • — 06

    It drives the dashboard

    Navigation, filters, what-if assumptions, recomputes — RiQ operates the same controls you do, visibly.

LedgerIQ RiQ copilot answering a question in plain English, having opened the relevant module and pulled the figures
Fig. 19 RiQ, on the case. Ask in plain English — RiQ opens the modules, pulls the figures and shows its working, every number verifiable.
§ Why we mean it

The GL knows.
You should know first.

“If LedgerIQ can’t show you something you didn’t already know about your own books, it isn’t doing its job.”
Proactive

Every module runs on upload. The three things worth worrying about surface before the meeting starts.

Established method

Altman, Piotroski, DuPont, CVP — the formulae analysts and lenders already trust.

Board-ready

One-click PDF board pack. Walk in with the briefing already printed.

Run your GL · free trial → No card · 44 modules · ten-minute test
No. 05 Method

Three steps. No integration.

Step 01 · Export

Any platform

CSV or XLSX from Xero, QuickBooks, Sage, Pandle — anywhere a GL can leave the building.

Step 02 · Upload

Enrich in seconds

Accounts are classified automatically; RiQ asks about anything ambiguous.

Step 03 · Read

44 modules

Dashboards, forecasts, the valuation, the anomalies — and the PDF board pack.

Your ledger stays yours. Analysis runs client-side in your browser; transfers are AES-256 encrypted and session data is purged after analysis — nothing is kept unless you save a snapshot.

No. 06 Native in IQ Books

LedgerIQ has three siblings. They're all native in IQ Books.

IQ Books is the ledger LedgerIQ analyses — code the bank, tie it out, turn it into advice and prepare the year-end in one place, with no export in between. Every plan includes all four; each also runs standalone on the software you already have.

ReconcileIQ

Bank to books, matched

Statement reconciliation at 5,000+ transactions a second — any bank, any format.

Explore ReconcileIQ → CodeIQ

AI bookkeeping, end to end

Codes, classifies VAT, matches invoices and posts back to Xero, QuickBooks, Sage or Pandle.

Explore CodeIQ →
LedgerIQ

Board-ready analysis

44 analysis modules from a GL export, with RiQ writing the plain-English narrative.

You are here
PrepIQ · private beta

Year-end working papers

The full working papers set from a client’s records — every figure cell-linked.

Explore PrepIQ →
See the whole Suite
No. 07 The price of admission

From £5 a month

Every plan includes ReconcileIQ, CodeIQ, LedgerIQ and PrepIQ. A full report costs 2,000 credits.

Most popular · Starter
£5/mo · 5,000 credits
  • All 44 LedgerIQ modules
  • RiQ copilot & board pack PDF
  • ReconcileIQ, CodeIQ + PrepIQ included
Start free trial
Need more?
Higher tiers
  • Accountant · £15/mo · 25,000 credits
  • Practice Pro · £79/mo · 150,000 credits
  • Enterprise · £199/mo · 500,000 credits
View all pricing tiers
For accounting practices

Win the client in the first meeting

Prospect sends the GL on Tuesday; you walk in Wednesday with their numbers, analysed.

Learn more
Correspondence

Frequently asked

What is LedgerIQ?
A financial analysis engine in the IQ Suite. It turns a raw GL export into statements, ratios, forecasts and reports — instantly.
Does it work with my software?
Yes. If you can export a general ledger (nominal ledger, account transactions or GL detail) as CSV or Excel, LedgerIQ can analyse it — Xero, QuickBooks, Sage, Pandle and more.
How much does it cost?
2,000 credits per full report. Starter (£5/mo, 5,000 credits) covers two analyses a month; Accountant (25,000) covers twelve.
Is my data secure?
Yes. AES-256 encryption throughout, and detailed transaction data isn’t kept beyond the session unless you save a snapshot.
Can I download reports?
Yes — PDF board packs, Excel exports and chart images for any module.
Do I need accounting knowledge?
No. Every metric comes with a plain-English explanation, and RiQ guides any data enrichment.
How often can I upload?
As often as you like — no upload limits. Most users run it monthly; some weekly.
Does it work with ReconcileIQ and CodeIQ?
Yes, all four ship on every plan: ReconcileIQ proves the data, CodeIQ builds the ledger, LedgerIQ reads it, and PrepIQ prepares the year-end set. One set-up covers the suite.
How does LedgerIQ compare to Fathom or Syft?
Fathom and Syft pull summarised balances from a live Xero or QuickBooks connection; LedgerIQ reads the transaction-level general ledger export from any system — so it runs on clients you haven’t onboarded, drills to individual entries, and adds valuation, forecasting and a written board pack. No integration or admin access required.
The closing entry

Your ledger is already telling the story

Upload it once and read all 44 chapters with RiQ narrating — or keep the ledger live in IQ Books, always current.

Start free today Back to the plates

No card · no set-up · 2,000 credits per full report

The platform behind LedgerIQ

Analysis is better when the ledger is yours.

LedgerIQ turns any general ledger into board-ready analysis. Inside IQ Books the ledger is native and always current — so the numbers you analyse are the books you keep, coded and reconciled, with no export in between.

Move a client onto IQ Books and LedgerIQ reads the live ledger directly — and their history comes with them, so the trends start full, not empty.

Meet IQ Books See it vs Xero & QuickBooks