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QuickBooks + JobTread + 2025 Actuals

How much do I actually have?

Cash per QuickBooks. These balances are only as current as your last QBO bank feed sync -- log into QBO periodically to refresh. Not what's owed to you or what you owe others.

Total Cash
$24,793
Last QBO transaction: Oct 21
Money Coming In
$0
0 open invoices
Money Going Out
$0
0 open bills
Net Position
$24,793
Cash + receivables - payables
Bank Accounts
BECU Checks Checking (4670) $111.38
BECU Income Checking (6354) $24,668.40
BECU Operating Checking (5735) $6.48
BECU Owner's Pay Checking (5769) $0.00
BECU Profit Savings (8425) $6.24
BECU Tax Savings (6239) $0.06

Am I making money?

Gross profit = what's left after materials and labor. Net income = what's left after ALL expenses. A healthy small manufacturer targets 65-70% gross margin and 20% net margin.

YTD Revenue
$205,238
Behind budget by $78,654
Gross Margin
73.4%
Target: 70% | Floor: 40%
Net Income
$8,955
4.4% net margin (target: 20%)
Overhead Ratio
69.1%
Target: 30% | 2025 was 56%
Your gross margin is strong, but overhead is eating into profit. Review your top expense categories below.

What's the minimum I need to sell?

Your break-even point -- the minimum revenue needed to cover all costs. Below this, you're losing money. Above it, you're profitable. Based on your YTD average monthly costs and your current COGS rate (26.6% of revenue goes to materials/labor).

Monthly Break-Even
$19,859
Minimum monthly revenue to cover costs
Weekly Break-Even
$4,586
~ $917/working day
You're Averaging
$21,086/mo
Above break-even by $1,227/mo
Monthly Cost Breakdown
Fixed costs (overhead, rent, payroll, software, etc.) $14,579
Variable costs (materials, labor on jobs -- 26.6% of revenue) $5,607
Total monthly burn $20,185
Revenue is above break-even. Every dollar above $19,859/mo is profit (minus the 26.6% that goes to materials).

Where is my money going?

Your top expenses ranked by size. In 2025, software ($17K), legal/professional ($12K), and overhead contract labor ($13K) were the biggest non-COGS costs. Are they trending the same way?

YTD Expenses by Category
Payroll Expenses
$35,558
Auto
$19,635
Rent & Lease
$18,000
Software Expense
$14,018
Overhead Contract Labor
$12,459
Utilities
$7,746
Shop Supplies
$6,352
Legal & Professional Fees
$6,155
Tools & Equipment (<$2500)
$4,490
Insurance Expense
$3,520
Office Supplies & Expenses
$3,391
Advertising & Marketing
$2,893

Am I growing?

2025 total revenue was $313,546. 2026 target is $350,000 ($29,167/month). The bars show 2025 monthly revenue -- notice how lumpy it was. The goal is to smooth that out.

2025 Monthly Revenue
$24k
Jan
$15k
Feb
$11k
Mar
$84k
Apr
$6k
May
$13k
Jun
$17k
Jul
$52k
Aug
$9k
Sep
$20k
Oct
$15k
Nov
$47k
Dec
Hit $29,167/mo target Below target
YTD revenue is $205,238 -- that's 72.0% of where you need to be to hit $350,000 this year. Behind pace. Focus on closing pipeline and accelerating AR collections.

What can I afford to invest?

Based on your current margins, here's roughly what the business can sustain in new costs. This isn't a guarantee -- it's a guide. Talk to Maurice before committing to anything big.

Avg Monthly Net Income
$923
What you keep each month after everything
Avg Monthly Revenue
$21,159
vs $29,167/mo target
Monthly Capacity for New Cost
$462
50% of net income (conservative rule)
Tight margins right now. New fixed costs would be risky until revenue grows or expenses come down. Focus on the revenue pipeline.