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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
$-3,751
Last QBO transaction: Aug 21
Money Coming In
$0
0 open invoices
Money Going Out
$0
0 open bills
Net Position
$-3,751
Cash + receivables - payables
Bank Accounts
BECU Checks Checking (4670) $0.09
BECU Income Checking (6354) $-3,426.99
BECU Operating Checking (5735) $6.48
BECU Owner's Pay Checking (5769) $-336.76
BECU Profit Savings (8425) $6.24
BECU Tax Savings (6239) $0.00

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
$142,524
Behind budget by $84,006
Gross Margin
78.2%
Target: 70% | Floor: 40%
Net Income
$-4,239
-3.0% net margin (target: 20%)
Overhead Ratio
81.2%
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 (21.8% of revenue goes to materials/labor).

Monthly Break-Even
$19,064
Minimum monthly revenue to cover costs
Weekly Break-Even
$4,403
~ $881/working day
You're Averaging
$18,351/mo
Below break-even by $713/mo
Monthly Cost Breakdown
Fixed costs (overhead, rent, payroll, software, etc.) $14,903
Variable costs (materials, labor on jobs -- 21.8% of revenue) $4,005
Total monthly burn $18,908
Revenue is below break-even. You need to close an additional $713/mo in sales to stop the bleed, or reduce fixed costs.

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
$29,145
Auto
$15,916
Rent & Lease
$14,000
Software Expense
$11,267
Overhead Contract Labor
$8,822
Shop Supplies
$7,033
Legal & Professional Fees
$7,028
Utilities
$6,381
Uncategorized Expense
$3,914
Tools & Equipment (<$2500)
$3,192
Insurance Expense
$2,376
Advertising & Marketing
$2,326

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 $142,524 -- that's 63.0% 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
$-543
What you keep each month after everything
Avg Monthly Revenue
$18,272
vs $29,167/mo target
Monthly Capacity for New Cost
$-272
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.