Diagnostic tool

The Business
Health Scorecard.

A straightforward, 5-minute check-up that scores your business across the five areas that matter most for survival and growth — no accounting background needed.

Start the assessment ↓
How it works

Five simple checkpoints.

Each checkpoint reflects a real reason South African SMEs get into trouble — not a generic checklist. Money problems are still the most common reason businesses close down, so that checkpoint carries the most weight.

01 · 30%

Financial Health

Can you pay your bills, manage debt sensibly, and keep enough cash in reserve?

02 · 20%

Day-to-Day Operations

Does the business run smoothly, or is it constant firefighting?

03 · 20%

Customers & Market

How much do you depend on a few big customers, and do they stick around?

04 · 15%

Planning & Leadership

Is there a plan, and would the business cope if you took a month off?

05 · 15%

Compliance & Risk

Are the basics — tax, insurance, contracts — properly covered?

The assessment

Answer honestly. Fifteen inputs, five minutes.

Where you don't know an exact figure, use your best estimate — the scoring is designed to be directionally reliable, not audit-grade precise.

1 · Financial Health & Resilience

Weight 30%
Can you cover your bills and handle debt without stress?
Your best estimate is fine — you don't need exact books for this.
3
Declining sharplyImproving strongly

2 · Operational Efficiency

Weight 20%
How smoothly does the business actually run, day to day?
3
All in people's headsWritten down, checked regularly

3 · Market Position & Customers

Weight 20%
How much do you depend on a few customers, and do they come back?
3
We mainly compete on priceYes, it's clear and hard to copy

4 · Strategic & Leadership Capacity

Weight 15%
Is there a plan, or does the business run on instinct alone?
2
No, it's all in my headYes, written and reviewed often
2
No, everything stopsYes, without a problem
3
It's just me, informallyClear roles, everyone knows

5 · Compliance & Risk

Weight 15%
The gaps that most often derail an otherwise healthy business.
3
Behind or uncertainFully up to date
3
Little or noneComprehensive cover
3
No contracts/agreements in placeWell-documented & low risk
Your result
—
0/100

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