Financial Health Check

How healthy do your numbers look to a credit analyst? Enter your balance sheet and profit and loss lines and get ten standard ratios banded the way analysts read them, a Financial Health Score out of 100 with the full points breakdown, an Altman Z-score zone, and a reference trade credit limit range. Free, and everything runs in your browser; nothing you enter is stored or transmitted.

How the Financial Health Check works

Version 1.1 · July 2026

What it computes

You enter up to fourteen balance sheet and profit and loss lines, two of them optional other-asset lines for statements that carry investments, intangibles, prepayments, or deposits, with an optional prior year for trend. The quick ratio deliberately counts only debtors and cash, excluding stock and other current assets, which is the conservative reading. The tool computes ten standard financial ratios, assigns each a band, and combines the banded ratios into a Financial Health Score out of 100. It also reports the Altman Z-score zone as an independent model check, and a reference trade credit limit range from named heuristics. Everything runs in your browser; nothing you enter is transmitted or stored by us.

The ratio bands

Each ratio is banded Strong, Adequate, Strained, or Distressed against thresholds reflecting general credit practice adapted for Kenyan SME review:

Current ratio: Strong at 1.5 or above, Adequate from 1.0, Strained from 0.8, Distressed below 0.8. Quick ratio: Strong at 1.0, Adequate from 0.7, Strained from 0.5. Cash ratio: Strong at 0.3, Adequate from 0.15, Strained from 0.05. Debt to equity: Strong at 1.0 or below, Adequate to 2.0, Strained to 3.0, Distressed above 3.0 or where equity is negative. Gross margin: Strong at 30 percent, Adequate from 15, Strained from 5 (heavily sector-dependent; read against your industry). Operating margin: Strong at 12 percent, Adequate from 5, Strained from 0. Net margin: Strong at 10 percent, Adequate from 3, Strained from 0. Return on equity: Strong at 15 percent, Adequate from 5, Strained from 0.

The Financial Health Score

The score is a transparent, expert-weighted index. Each banded ratio earns points against a published weight: current ratio 13, quick ratio 11, cash ratio 8, debt to equity 20, gross margin 8, operating margin 14, net margin 14, return on equity 12, totalling 100. A Strong band earns 100 percent of the ratio’s weight, Adequate 65 percent, Strained 30 percent, Distressed nothing. Ratios that cannot be computed from your figures are excluded and the score rescales, so missing data does not read as bad data. Score bands: 75 and above Strong, 55 to 74 Adequate, 35 to 54 Strained, below 35 Distressed.

The weights reflect ASAP Information Services screening practice: liquidity and leverage carry half the score because they are what fails first in the Kenyan payment environment. The full breakdown of your own score is shown with your result. The score is an expert-weighted index, not a statistically fitted model, and it produces no probability.

The model check

The Altman Z-score, emerging markets variant (Altman, 1995), is a published academic model combining working capital, retained earnings, operating profit, and equity relative to assets and liabilities. The tool reports your value and the model’s own published zones: above 2.6 safe, 1.1 to 2.6 grey, below 1.1 distress. The model was not calibrated on Kenyan SME data; treat the zone as a second opinion from a general model, not a verdict.

The reference credit limit

Three rules of thumb used openly in credit management practice: 10 percent of net worth, 20 percent of net working capital, and 5 percent of annual turnover. The tool shows each and the range they span. Counterparties reach for heuristics like these when no verified information exists about you. A verified report replaces heuristics with evidence.

What this tool is not

It is not a credit rating, not a credit score, not a probability of default, and not an approved credit limit. Those require verified data and models calibrated on real repayment outcomes. This tool is an early-stage diagnostic built from figures you typed in, which nobody has verified. Its job is to show you where your numbers look strong, where they look weak, and what a professional would examine next. When a decision actually depends on the answer, that is the Enhanced Business Evaluation: your position verified against registries, bureau records, references, and documents, produced as a report a counterparty can rely on.

Nature and limitations of this output

The indicative score presented is a diagnostic estimate derived exclusively from self-reported, unverified information supplied by the user, applied to published methods and expert weights not calibrated to the user’s specific business, sector, or market. It is provided for educational and decision-support purposes only. It does not constitute professional financial, legal, or investment advice, and it must not be relied upon in isolation as the basis for any lending, investment, procurement, extension of credit, or other commercial decision. A robust credit or risk assessment requires data and analysis beyond the scope of this tool, including but not limited to: credit reference bureau (CRB) reports; audited or reviewed financial statements and full ratio analysis; accounts receivable aging analysis; cash flow analysis; bank statements; industry and market conditions; business verification and due diligence; management and governance assessment; and other relevant qualitative and quantitative risk factors. BizInfo Africa and ASAP Information Services Limited accept no liability for decisions taken in reliance on this output.

The BCI shows you what counterparties will see. When you need it verified, that’s the Enhanced Business Evaluation.