Forty-plus metrics on established formulae, Altman Z-Score, DuPont decomposition, CVP analysis, liquidity ratios and more. Upload a general ledger, get institutional-grade analysis. One subscription covers the whole IQ Suite.
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Use established financial analysis to discuss a client's position with clarity and precision.
Their data, your lens. You aren't making claims — you're showing what's already in their numbers, seen through an analyst's framework. Prospect sends the GL Tuesday, you walk in Wednesday afternoon with the briefing above.
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. It gives you a structured starting point for review, not a substitute for professional judgement.
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 AI assistant that doesn't just answer, it navigates dashboards, analyses your data and writes full reports from a conversation. It works across all three products, explaining discrepancies, coding and 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 — through forty-two lenses on a single click.
LedgerIQ costs 2,000 credits per report. This estimates the time saved vs manual Excel analysis; with CodeIQ and ReconcileIQ in the mix, the suite saves more 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 →Most analysis tools wait for you to ask. LedgerIQ runs forty-two modules on upload — Altman, Piotroski, DuPont, CVP, anomaly detection, twelve-month rolling forecast — and surfaces the three things that should worry you before the client meeting starts. The same analyst's framework that takes a junior two days to assemble, finished while you fetch a coffee.
“If LedgerIQ can't show you something you didn't already know about your own books, you don't owe us anything.”
Every analytical lens an analyst would run, available on the same upload. No add-ons, no surcharges.
The system flags what's worth looking at first. You spend your time on the questions worth answering, not finding them.
One-click PDF, branded with your practice. Walk into the meeting with the briefing already in the printer.
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 a prospect's GL into formula-led insight you can review before advising. Show them their business with specifics, not vague discovery-call questions.
Analysis is only as good as its input. ReconcileIQ matches your bank against your books at 5,000+ a second, catching every discrepancy before you pull reports.
LedgerIQ needs a coded general ledger. If the transactions aren't coded yet, CodeIQ does it, coding, VAT, invoice matching and posting to the 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.
Bank and invoice reconciliation at 5,000 transactions per second. Works with any bank.
CodeIQIntelligent transaction coding and auto-posting to QuickBooks, Xero, Sage and Pandle.
PrepIQ · private betaPrepares the full working papers set from a client's records: extended trial balance, schedules, finance recs and the tax computation, every figure cell-linked.