The Resilience Standard · Financial Resilience · Rung 1Pulse

Financial Resilience Pulse

Sixteen quick questions, about four minutes. A liquidity-first, indicative reading of whether the business can hold under a change in load, and the one thing to do first.

4 minutesSixteen questionsEight weighted domainsIndicative band only

The gate rule. No overall band may exceed the band of its lowest gated domain. Here the gated domains are Liquidity and Solvency. A business can average well across eight domains and still fail because it cannot make Friday. Cash buys time; time buys options.

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8 domains · 16 questions0 of 16 answered

1 Failing2 Fragile3 Adequate4 Robust5 Optimised

Liquidity & Cash Runway

Gated

Can the business make its next payments, and the ones after?

1.1How many weeks of runway does cash cover at current burn?

1 = Under four weeks · 5 = Over six months, tracked weekly

1.5Can the next large obligation be met?

1 = It cannot · 5 = Every obligation for two quarters is covered

Solvency & Balance Sheet

Gated

Can the balance sheet carry what it owes?

2.2Is the debt serviceable, and are maturities in the next twelve months addressed?

1 = A material maturity is due with no plan · 5 = Comfortably serviced, refinancing arranged early

2.5Are tax, payroll and sales-tax remittances current?

1 = In arrears · 5 = Current, segregated and reconciled monthly

Profitability & Unit Economics

Does each unit of work earn its keep?

3.1How healthy and stable is gross margin?

1 = Negative or not known · 5 = Healthy, stable and benchmarked

3.5Do you know which activities lose money?

1 = Not known · 5 = Identified, quantified and addressed

Working Capital

Is cash being converted, or consumed?

4.1How are receivables ageing?

1 = Large share past ninety days, or not produced · 5 = At target, reviewed weekly

4.2How do suppliers see you?

1 = Accounts on stop or in dispute · 5 = Terms met and relationships strong

Cost Base

Can cost move as fast as revenue does?

5.2Is discretionary cost identified and ready to remove?

1 = No view of what could be cut · 5 = Pre-approved, ready to act on a trigger

5.5Have cost actions been delivered and banked?

1 = No action taken · 5 = Delivered and verified in the accounts

Revenue Quality

How dependable is the revenue line?

6.1How concentrated is revenue?

1 = One customer is over half · 5 = No customer above ten per cent

6.3How far ahead can you see orders?

1 = No forward visibility · 5 = Two or more quarters, weighted

Control & Forecasting

Can anyone evidence the numbers?

7.1How timely and reliable are the management accounts?

1 = None, or months behind · 5 = Within five working days, with commentary

7.2Is there a rolling thirteen-week cash flow?

1 = No forecast of any kind · 5 = Rolling, weekly, with variance analysed

Stakeholder & Lender Confidence

Will the people who fund the business stay with it?

8.1How does the lender learn about problems?

1 = Relationship broken, or facts undisclosed · 5 = From management first, with a plan (or no borrowing)

8.4Do shareholders and the board agree on the plan?

1 = No agreed plan · 5 = Agreed, resourced and monitored

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16 questions left.