Money
69/100Leaking · 3/3 answered
SAMPLE BUSINESS / MODELLED DEMO
Here’s where
to look closer.
This example uses answers for a fictional service business. It shows the report format, calculations and suggested actions. Your results will depend on your answers.
BUSINESS LEAK SCORE61/100Leaking
Lower means less modelled operating risk.
Risk indicators
by area.
Time
61/100Leaking · 3/3 answered
Margin
69/100Leaking · 3/3 answered
Cash
56/100Leaking · 3/3 answered
Focus
68/100Leaking · 3/3 answered
Execution
52/100Leaking · 3/3 answered
Data hygiene
48/100Watch · 3/3 answered
YOUR FIRST PRIORITIES
Start by checking
these answers.
Money
YOUR ANSWER
How often does the scope grow without anyone billing for the extra work?
OftenExtra work may consume capacity without extra payment. Some additions are deliberate goodwill; separate those from unapproved scope changes.
First action
Review recent changes against the original scope. Record who approved each change and whether it was billed, exchanged for other work or intentionally included.
- Suggested responsible role
- Account lead with the delivery lead
- What to measure
- Change requests with a recorded scope and billing decision / all reviewed change requests. Track unresolved extra hours separately.
Margin
YOUR ANSWER
Have your retainers been re-costed against today's real costs in the last 12 months?
NoRecurring work can change after its price is agreed. An old cost estimate leaves uncertainty; this question does not apply when there are no retainers.
First action
For one active retainer, compare recent delivery effort and direct costs with its included scope and payment terms. Document any mismatch before renegotiating.
- Suggested responsible role
- Account lead with the finance lead
- What to measure
- Active retainers reviewed against current costs / active retainers. Record the review period and included cost categories.
Time
YOUR ANSWER
Roughly what share of worked hours actually gets logged?
40 %A low recorded share leaves part of delivery effort unexplained. The missing share measures a visibility gap, not proven lost productivity.
First action
Compare recorded hours with a representative week of reported work. Identify whether gaps come from missing entries, unclear categories or incomplete adoption.
- Suggested responsible role
- Operations lead
- What to measure
- Weekly recording coverage using the same team and denominator. Track unclassified recorded time separately from entirely missing time.
YOUR BUSINESS CONTEXT
What the answers tell us.
Evidence basis: Records and estimates
Service model: Both
Your chosen focus: Client profitability. Use this alongside the scored priorities below.
7 / 40 × 100
Reported time allocation, not automatically wasted time.
Your reported typical week
Review these tasks to identify possible improvements. The report does not assume that all of this time can be saved.
4 / 40 × 100
May overlap with meetings. Do not add the two shares.
40 − 30
Longer than the typical term you entered. Different invoice terms or disputes may explain the gap; check actual due dates.
POSITIVE SIGNS IN YOUR ANSWERS
Review your strengths.
No answered indicator falls in the model’s lowest-risk band. This does not mean the business has no strengths; the assessment may not capture them.
A PRACTICAL FOLLOW-UP
Your next 30 days.
Use these suggested dates to plan your review. They do not promise results. Choose a responsible person before starting.
Establish the facts
For one active retainer, compare recent delivery effort and direct costs with its included scope and payment terms. Document any mismatch before renegotiating.
Suggested responsible role: Account lead with the finance leadTest one change
Test one change with the suggested owner. Use this measure to set a realistic target: Active retainers reviewed against current costs / active retainers. Record the review period and included cost categories.
Suggested responsible role: Account lead with the finance leadReview the outcome
Compare the same measure with your starting point: Active retainers reviewed against current costs / active retainers. Record the review period and included cost categories.
Suggested responsible role: Account lead with the finance leadANSWER BY ANSWER
Follow every score to its source.
Each contribution is the answer’s risk value × its weight ÷ the total answered weight in that category. Contributions are rounded for display and may differ slightly from the rounded category total.
Money3/3
How many of your projects start with a written, agreed scope?
SomeRisk value: 55/100 · Weight: 1 · Contribution: 18.3 category points
How often does the scope grow without anyone billing for the extra work?
OftenRisk value: 80/100 · Weight: 1.2 · Contribution: 32 category points
When did you last raise your prices?
More than 2 years agoRisk value: 70/100 · Weight: 0.8 · Contribution: 18.7 category points
Time3/3
Does the team track its working time?
Partially / some peopleRisk value: 50/100 · Weight: 1.2 · Contribution: 20 category points
Roughly what share of worked hours actually gets logged?
40 %Risk value: 75/100 · Weight: 1 · Contribution: 25 category points
About how many hours a week does one person spend in internal meetings?
7 h/weekRisk value: 60/100 · Weight: 0.8 · Contribution: 16 category points
Margin3/3
What share of your revenue comes from your single biggest client?
45 %Risk value: 65/100 · Weight: 1 · Contribution: 20.3 category points
Have your retainers been re-costed against today's real costs in the last 12 months?
NoRisk value: 85/100 · Weight: 1 · Contribution: 26.6 category points
What share of your clients do you SUSPECT are unprofitable?
20 %Risk value: 60/100 · Weight: 1.2 · Contribution: 22.5 category points
Cash3/3
On average, how many days pass between sending an invoice and getting paid?
40 daysRisk value: 55/100 · Weight: 1 · Contribution: 18.3 category points
What share of your revenue is currently overdue?
15 %Risk value: 65/100 · Weight: 1.2 · Contribution: 26 category points
Do you take deposits or prepayment before work starts?
SometimesRisk value: 45/100 · Weight: 0.8 · Contribution: 12 category points
Focus3/3
How many tools does the team actively use for delivery, communication and money?
9 toolsRisk value: 70/100 · Weight: 1 · Contribution: 23.3 category points
How many projects does one person typically run in parallel?
4 projectsRisk value: 45/100 · Weight: 0.9 · Contribution: 13.5 category points
What share of the founder's week goes into delivery work (not steering the business)?
65 %Risk value: 85/100 · Weight: 1.1 · Contribution: 31.2 category points
Execution3/3
What share of work ships later than the date you promised?
18 %Risk value: 65/100 · Weight: 1 · Contribution: 22.4 category points
How often does finished work come back for rework?
SometimesRisk value: 55/100 · Weight: 1 · Contribution: 19 category points
Does every project have exactly one accountable owner?
MostlyRisk value: 35/100 · Weight: 0.9 · Contribution: 10.9 category points
Data hygiene3/3
Could you state last month's profit within ±10% right now?
RoughlyRisk value: 45/100 · Weight: 1.1 · Contribution: 16 category points
How many systems hold your money data?
TwoRisk value: 50/100 · Weight: 1 · Contribution: 16.1 category points
Can you see anywhere which clients are profitable?
PartiallyRisk value: 50/100 · Weight: 1 · Contribution: 16.1 category points
Illustrative financial scenarios and assumptions
These scenarios show amounts calculated from your category scores and selected revenue range. They are not measured losses, validated financial forecasts or promised savings. The factors are model assumptions, not verified industry benchmarks. Categories may overlap, so do not add the amounts together.
Money
$517.50 to $1,552.50Per month · USD
37,500 × 69/100 × 0.02 to 0.06
Time
$686.25 to $1,830.00Per month · USD
37,500 × 61/100 × 0.03 to 0.08
Margin
$1,035.00 to $2,587.50Per month · USD
37,500 × 69/100 × 0.04 to 0.1
Cash
$210.00 to $1,050.00Per month · USD
37,500 × 56/100 × 0.01 to 0.05
Focus
$510.00 to $1,530.00Per month · USD
37,500 × 68/100 × 0.02 to 0.06
Execution
$390.00 to $1,365.00Per month · USD
37,500 × 52/100 × 0.02 to 0.07
Data hygiene
$180.00 to $540.00Per month · USD
37,500 × 48/100 × 0.01 to 0.03
What this report can tell you.
The same answers produce the same risk scores under RADAR v1. Report v2 explains those scores and suggests what to check next. This is a self-assessment for service businesses; it does not verify accounting records, legal compliance, security or technical AI capabilities. Answer coverage shows how many applicable questions you completed, not whether the answers are accurate.
Inspect the scoring rules