Annual accounts analysis

Load the accounts, check the figures, then hand over a report the client will actually read.

Reporting year

Year to 31 Mar 2026

compared with Year to 31 Mar 2025

2 periods loaded — every chart below uses the selected year.

Year to 31 Mar 2026

Annual accounts report

A visual review of reported performance, financial position and year-end working capital.

Comparative period

Year to 31 Mar 2025

Turnover

£1,482,000

19.1%

Gross profit

£669,600

24.2%

Operating profit

£283,400

43.9%

Profit after tax

£206,300

51.8%

Gross margin

45.2%

4.3%

Net margin

13.9%

27.5%

Net assets

£508,600

58.3%

Cash at bank

£184,700

92.0%

This year

Everything reported for Year to 31 Mar 2026, against Year to 31 Mar 2025.

From turnover to retained profit

A progression through P&L stages — not a timeline.

10.5p

retained from every £1

Turnover

£1,482,000

100.0% of turnover

Gross profit

£669,600

45.2% of turnover

Operating profit

£283,400

19.1% of turnover

Retained profit

£156,300

10.5% of turnover

Where each £1 of turnover went

Cost of sales54.8p
Overheads26.9p
Interest, tax & dividends8.6p
Retained profit10.5p

Cash position forecast

A simple post-year-end view assuming all debtors are collected and short-term creditors are paid.

Projected cash

£138,300

Debtors due

+£296,400

Creditors due

−£283,900

Net movement

+£12,500

Planned dividends

Reserves after dividend£483,600

Illustrative only. Timing, debtor recoverability, existing tax creditors and other cash movements are not modelled.

Cost mix

Where the money is spent, by category.

Total costs£1,211,000

Cost categories

Balance sheet shape

The face of the balance sheet. Open a heading for the detail behind it.

Long-term debt funds 29.2% of capital employed, against 43.3% last year.

Balance sheet	This year	Last year	Change
Fixed assets	£412,000	£386,500	6.6%
Current assets	£649,400	£498,200	30.3%
Creditors due within one year	(£342,800)	(£318,400)	7.7%
Net current assets	£306,600	£179,800	70.5%
Creditors due after one year	(£210,000)	(£245,000)	14.3%
Net assets	£508,600	£321,300	58.3%
Financed by	£508,600	£321,300	58.3%

Click a heading to open the detail beneath it, or a line marked “accounts” to see every account behind it.

Gross margin

45.2%

was 43.3%

Return on capital

39.4%

was 34.8%

Current ratio

1.89x

was 1.56x

Gearing

29.2%

was 43.3%

Working capital

Indicative — calculated from year-end balances, so a busy or quiet month around the year end will distort them. Ledger data gives a rolling figure.

Debtor days

was 76

Creditor days

102

was 108

Stock days

was 74

Cash cycle: about 47 days between paying for stock and being paid by the customer, using year-end balance estimates.

Performance profile

Last year to this year, one track per ratio.

Gross margin43.3% →45.2%
Op. margin15.8% →19.1%
Net margin10.9% →13.9%
ROCE34.8% →39.4%
Current ratio1.56x →1.89x

Year on year

How the numbers have moved across every year loaded.

Year on year

Each headline figure across every uploaded year.

+19.1%

turnover across the span

Year to 31 Mar 2025

£1,244,500

Year to 31 Mar 2026

£1,482,000

Drill into the numbers

Every headline figure, with the comparative and movement.

Line	Current	Prior	Movement
Turnover	£1,482,000	£1,244,500	+£237,500(19.1%)
Cost of sales	£812,400	£705,300	+£107,100(15.2%)
Gross profit	£669,600	£539,200	+£130,400(24.2%)
Other income	£12,400	£8,900	+£3,500(39.3%)
Administrative expenses	£398,600	£351,200	+£47,400(13.5%)
Operating profit	£283,400	£196,900	+£86,500(43.9%)
EBITDA	£330,200	£238,200	+£92,000(38.6%)
Interest payable	£18,200	£21,600	−£3,400(-15.7%)
Profit before tax	£265,200	£175,300	+£89,900(51.3%)
Tax on profit	£58,900	£39,400	+£19,500(49.5%)
Profit after tax	£206,300	£135,900	+£70,400(51.8%)
Dividends paid	£50,000	£40,000	+£10,000(25.0%)
Retained profit	£156,300	£95,900	+£60,400(63.0%)

What the ledger would add

These insights need transaction-level bookkeeping data — they cannot be derived from a set of statutory accounts.

Revenue by stream, product or customer
Customer and supplier concentration
VAT position across the period
Month-by-month trading trend
Aged debtor and creditor profiles

Connect Xero for these insights

Upload a Xero account transactions export in the Performance section and every chart above gains a month-by-month, customer-level view.

Year to 31 Mar 2026

Annual accounts report

A visual review of reported performance, financial position and year-end working capital.

Comparative period

Year to 31 Mar 2025

Turnover

£1,482,000

19.1%

Gross profit

£669,600

24.2%

Operating profit

£283,400

43.9%

Profit after tax

£206,300

51.8%

Gross margin

45.2%

4.3%

Net margin

13.9%

27.5%

Net assets

£508,600

58.3%

Cash at bank

£184,700

92.0%

This year

Everything reported for Year to 31 Mar 2026, against Year to 31 Mar 2025.

From turnover to retained profit

A progression through P&L stages — not a timeline.

10.5p

retained from every £1

Turnover

£1,482,000

100.0% of turnover

Gross profit

£669,600

45.2% of turnover

Operating profit

£283,400

19.1% of turnover

Retained profit

£156,300

10.5% of turnover

Where each £1 of turnover went

Cost of sales54.8p
Overheads26.9p
Interest, tax & dividends8.6p
Retained profit10.5p

Cash position forecast

A simple post-year-end view assuming all debtors are collected and short-term creditors are paid.

Projected cash

£138,300

Debtors due

+£296,400

Creditors due

−£283,900

Net movement

+£12,500

Planned dividends

Reserves after dividend£483,600

Illustrative only. Timing, debtor recoverability, existing tax creditors and other cash movements are not modelled.

Cost mix

Where the money is spent, by category.

Total costs£1,211,000

Cost categories

Balance sheet shape

The face of the balance sheet. Open a heading for the detail behind it.

Long-term debt funds 29.2% of capital employed, against 43.3% last year.

Balance sheet	This year	Last year	Change
Fixed assets	£412,000	£386,500	6.6%
Current assets	£649,400	£498,200	30.3%
Creditors due within one year	(£342,800)	(£318,400)	7.7%
Net current assets	£306,600	£179,800	70.5%
Creditors due after one year	(£210,000)	(£245,000)	14.3%
Net assets	£508,600	£321,300	58.3%
Financed by	£508,600	£321,300	58.3%

Click a heading to open the detail beneath it, or a line marked “accounts” to see every account behind it.

Gross margin

45.2%

was 43.3%

Return on capital

39.4%

was 34.8%

Current ratio

1.89x

was 1.56x

Gearing

29.2%

was 43.3%

Working capital

Indicative — calculated from year-end balances, so a busy or quiet month around the year end will distort them. Ledger data gives a rolling figure.

Debtor days

was 76

Creditor days

102

was 108

Stock days

was 74

Cash cycle: about 47 days between paying for stock and being paid by the customer, using year-end balance estimates.

Performance profile

Last year to this year, one track per ratio.

Gross margin43.3% →45.2%
Op. margin15.8% →19.1%
Net margin10.9% →13.9%
ROCE34.8% →39.4%
Current ratio1.56x →1.89x

Year on year

How the numbers have moved across every year loaded.

Year on year

Each headline figure across every uploaded year.

+19.1%

turnover across the span

Year to 31 Mar 2025

£1,244,500

Year to 31 Mar 2026

£1,482,000

Drill into the numbers

Every headline figure, with the comparative and movement.

Line	Current	Prior	Movement
Turnover	£1,482,000	£1,244,500	+£237,500(19.1%)
Cost of sales	£812,400	£705,300	+£107,100(15.2%)
Gross profit	£669,600	£539,200	+£130,400(24.2%)
Other income	£12,400	£8,900	+£3,500(39.3%)
Administrative expenses	£398,600	£351,200	+£47,400(13.5%)
Operating profit	£283,400	£196,900	+£86,500(43.9%)
EBITDA	£330,200	£238,200	+£92,000(38.6%)
Interest payable	£18,200	£21,600	−£3,400(-15.7%)
Profit before tax	£265,200	£175,300	+£89,900(51.3%)
Tax on profit	£58,900	£39,400	+£19,500(49.5%)
Profit after tax	£206,300	£135,900	+£70,400(51.8%)
Dividends paid	£50,000	£40,000	+£10,000(25.0%)
Retained profit	£156,300	£95,900	+£60,400(63.0%)

Line	Current	Prior	Movement
Materials & stock	£468,900	£402,100	+£66,800(16.6%)
Direct labour	£231,500	£208,400	+£23,100(11.1%)
Subcontractors	£78,400	£71,200	+£7,200(10.1%)
Carriage & delivery	£33,600	£23,600	+£10,000(42.4%)

Line	Current	Prior	Movement
Wages & salaries	£214,600	£189,400	+£25,200(13.3%)
Premises	£62,400	£58,900	+£3,500(5.9%)
Motor & travel	£31,800	£27,500	+£4,300(15.6%)
Professional fees	£28,400	£24,100	+£4,300(17.8%)
Marketing	£34,200	£26,700	+£7,500(28.1%)
Other overheads	£27,200	£24,600	+£2,600(10.6%)

Line	Current	Prior	Movement
Fixed assets	£412,000	£386,500	+£25,500(6.6%)
Stock	£168,300	£143,900	+£24,400(17.0%)
Debtors	£296,400	£258,100	+£38,300(14.8%)
Cash at bank	£184,700	£96,200	+£88,500(92.0%)
Creditors < 1 year	£342,800	£318,400	+£24,400(7.7%)
Net current assets	£306,600	£179,800	+£126,800(70.5%)
Creditors > 1 year	£210,000	£245,000	−£35,000(-14.3%)
Net assets	£508,600	£321,300	+£187,300(58.3%)
Profit and loss reserve	£483,600	£317,900	+£165,700(52.1%)

Gross margin

45.2%

was 43.3%

Operating margin

19.1%

was 15.8%

Net margin

13.9%

was 10.9%

Current ratio

1.89x

was 1.56x

Quick ratio

1.40x

was 1.11x

Gearing

29.2%

was 43.3%

Debtor days

was 76

Creditor days

102

was 108

Stock days

was 74

What the ledger would add

These insights need transaction-level bookkeeping data — they cannot be derived from a set of statutory accounts.

Revenue by stream, product or customer
Customer and supplier concentration
VAT position across the period
Month-by-month trading trend
Aged debtor and creditor profiles

Connect Xero for these insights

Upload a Xero account transactions export in the Performance section and every chart above gains a month-by-month, customer-level view.

Annual accounts analysis

Profit & loss

Cost of sales detail

Administrative expenses detail

Balance sheet

Ratios & working capital

Profit & loss

Cost of sales detail

Administrative expenses detail

Balance sheet

Ratios & working capital