What happened, compared with what, and why.
Available on every tab in your workspace — answers come with sources, the period, the calculation, and a confidence level.
Answers run on your connected books after signup. The sample keeps every number deterministic — it never improvises a reply.
Northbridge Analytics — the positions your snapshot books support, each line labelled by how it is known.
Limited view from cash, close history, and observed working-capital drivers. Connect a source Balance Sheet to see assets, liabilities, and equity. Connect full statements →
vs Aug 2026
| Line | Sep 2026 | Aug 2026 | Basis |
|---|---|---|---|
| Cash | $1,454,444 | $1,544,959 | observed |
| Net working position (balancing) | $1,454,444 | $1,544,959 | balancing |
Not in these books (omitted, never zero-filled): Accounts receivable · Retainage receivable · Inventory · Accounts payable
Observed = straight from the close chain. Derived = arithmetic over measured drivers (receivables from your collection lag, payables from your payment lag). Balancing = the residual that closes the statement — labelled, never presented as a booked figure. A full ledger balance sheet arrives with transaction-level ingest.
Open invoices and bills at Sep 30, 2026, by days past due. The rows add up to the balance-sheet totals.
| Accounts receivable (AR) · Counterparty | Current (0-30d) | 31-60 days | 61-90 days | 91+ days | Total |
|---|---|---|---|---|---|
| Helix Robotics | $0 | $0 | $41,400 | $0 | $41,400 |
| Quenhaven Marine | $19,800 | $0 | $0 | $0 | $19,800 |
| Rosford Systems | $12,400 | $6,200 | $0 | $0 | $18,600 |
| Tammere Networks | $7,200 | $3,600 | $3,600 | $0 | $14,400 |
| Astshaw Logistics | $6,500 | $6,500 | $0 | $0 | $13,000 |
| Other customers | $81,800 | $2,700 | $3,100 | $0 | $87,600 |
| Total | $127,700 | $19,000 | $48,100 | $0 | $194,800 |
| Accounts payable (AP) · Counterparty | Current (0-30d) | 31-60 days | 61-90 days | 91+ days | Total |
|---|---|---|---|---|---|
| Kestrel Dev Studio | $17,500 | $0 | $0 | $0 | $17,500 |
| Amazon Web Services | $14,049 | $0 | $0 | $0 | $14,049 |
| Snowflake | $10,314 | $0 | $0 | $0 | $10,314 |
| HubSpot | $1,770 | $0 | $0 | $0 | $1,770 |
| Ostrander Wells LLP | $1,676 | $0 | $0 | $0 | $1,676 |
| Other suppliers | $1,157 | $0 | $0 | $0 | $1,157 |
| Total | $46,466 | $0 | $0 | $0 | $46,466 |
The panel above says how much cash is tied up. This says with whom: debtors and creditors, each with its share.
ConcentrationOne counterparty — “Helix Robotics” — holds 21.3% of this balance (threshold 20%).
| Counterparty | Amount | Share |
|---|---|---|
| Helix Roboticsconcentration | $41,400 | 21.3% |
| Quenhaven Marine | $19,800 | 10.2% |
| Rosford Systems | $18,600 | 9.5% |
| Tammere Networks | $14,400 | 7.4% |
| Astshaw Logistics | $13,000 | 6.7% |
| All others (10) | $87,600 | 45.0% |
ConcentrationOne counterparty — “Kestrel Dev Studio” — holds 37.7% of this balance (threshold 20%).
| Counterparty | Amount | Share |
|---|---|---|
| Kestrel Dev Studioconcentration | $17,500 | 37.7% |
| Amazon Web Services | $14,049 | 30.2% |
| Snowflake | $10,314 | 22.2% |
| HubSpot | $1,770 | 3.8% |
| Ostrander Wells LLP | $1,676 | 3.6% |
| All others (1) | $1,157 | 2.5% |
Ready when you are
You just watched it work on sample data. Point it at your books and the same briefing is built from them after the first sync — read-only, nothing written back.
What you get
A monthly refreshed forecast with a reviewable draft, a 13-week cash view, a working decision queue, an investor-ready management report, Excel & Google Sheets sync, and a Slack digest.
No ledger writes · Read-only connections · Cancel anytime