Monthly management report
Granite Lane Holdings
The classifier could not confidently shape this business from the general ledger — the chart of accounts shows no Stripe signal, no inventory accounts, and no clear WIP / retainer pattern. The model ran the universal driver core (forecast + variance + scenarios) and flagged the shape for your review rather than guess.
01 · Executive summary
Three conclusions, and the decisions they imply
- The classifier could not confidently shape this business from the general ledger — the chart of accounts shows no Stripe signal, no inventory accounts, and no clear WIP / retainer pattern. The model ran the universal driver core (forecast + variance + scenarios) and flagged the shape for your review rather than guess.
- Operating expense ran 3% above the Q1 plan in April — a software renewal and a contractor true-up landed in the same month. The worker scored it timing; the supervisor saw a creeping run-rate, so it routed to your inbox to decide whether to reset the baseline.
- Gross margin held at 47.0% vs the 45.8% plan — a renegotiated primary-vendor rate lowered direct cost without a volume change, so the improvement flows through to operating cash.
Scorecard
Scorecard
Cash status
Cash-positive
Revenue
$672,000
+$14,000 · +2.1% vs plan
Monthly outflow
$612,000
+$11,000 · +1.8% vs plan
Gross margin
47.0%
DSO / DPO (days)
45 / 30
P&L summary — vs prior month, last year and plan
P&L summary — vs prior month, last year and plan
Month over month — vs prior period — Apr 26 vs Mar 26
| Line | Apr 26 | Mar 26 | Δ | Δ% |
|---|---|---|---|---|
| Revenue | $672,000 | $658,286 | +$13,714 | +2.1% |
| Cost of revenue | $356,160 | $348,891 | +$7,269 | +2.1% |
| Gross profit | $315,840 | $309,394 | +$6,446 | +2.1% |
| Operating expense | $255,840 | $254,076 | +$1,764 | +0.7% |
| Operating profit/(loss) | $60,000 | $55,319 | +$4,681 | +8.5% |
| Ending cash | $344,000 | $284,000 | +$60,000 | +21.1% |
Year over year — same month last year — Apr 26 vs Apr 25
| Line | Apr 26 | Apr 25 | Δ | Δ% |
|---|---|---|---|---|
| Revenue | $672,000 | $524,700 | +$147,300 | +28.1% |
| Cost of revenue | $356,160 | $278,091 | +$78,069 | +28.1% |
| Gross profit | $315,840 | $246,609 | +$69,231 | +28.1% |
| Operating expense | $255,840 | $235,452 | +$20,388 | +8.7% |
| Operating profit/(loss) | $60,000 | $11,157 | +$48,843 | +437.8% |
| Ending cash | $344,000 | $171,185 | +$172,815 | +101.0% |
Next month forecast $686,000
Trends
Monthly revenue — last 14 closed months
Mar 25 — Apr 26 · $436,893 … $672,000
Ending cash at each month close
Mar 25 — Apr 26 · $142,662 … $344,000
03 · Cash & working capital
Cash & working capital
Opening cash $284,000 net for the month +$60,000 closing cash $344,000
$344,000 today → $319,139 in week 13 · lowest point $194,427 (week 4) · no cash-floor breach
View weekly schedule
| Week | Opening | Receipts | Disbursements | Ending |
|---|---|---|---|---|
| 1 | $344,000 | $155,196 | $192,589 | $306,607 |
| 2 | $306,607 | $155,196 | $192,589 | $269,214 |
| 3 | $269,214 | $155,196 | $192,589 | $231,820 |
| 4 | $231,820 | $155,196 | $192,589 | $194,427 |
| 5 | $194,427 | $155,196 | $141,339 | $208,284 |
| 6 | $208,284 | $155,196 | $141,339 | $222,141 |
| 7 | $222,141 | $155,196 | $141,339 | $235,998 |
| 8 | $235,998 | $155,196 | $141,339 | $249,854 |
| 9 | $249,854 | $155,196 | $141,339 | $263,711 |
| 10 | $263,711 | $155,196 | $141,339 | $277,568 |
| 11 | $277,568 | $155,196 | $141,339 | $291,425 |
| 12 | $291,425 | $155,196 | $141,339 | $305,282 |
| 13 | $305,282 | $155,196 | $141,339 | $319,139 |
What changed and why
What changed and why
The classifier could not confidently shape this business from the general ledger — the chart of accounts shows no Stripe signal, no inventory accounts, and no clear WIP / retainer pattern. The model ran the universal driver core (forecast + variance + scenarios) and flagged the shape for your review rather than guess.
✓ second model confirmed · General ledger · Chart Of Accounts · Apr 2026
Operating expense ran 3% above the Q1 plan in April — a software renewal and a contractor true-up landed in the same month. The worker scored it timing; the supervisor saw a creeping run-rate, so it routed to your inbox to decide whether to reset the baseline.
second model disagrees — review · General ledger · Opex · Apr 2026 · QuickBooks · True Up · April
Gross margin held at 47.0% vs the 45.8% plan — a renegotiated primary-vendor rate lowered direct cost without a volume change, so the improvement flows through to operating cash.
✓ second model confirmed · General ledger · Direct Cost · Apr 2026 · QuickBooks · Rate · April
04 · Decisions & follow-ups
Decisions & follow-ups
Operating expense ran 3% above the Q1 plan in April — a software renewal and a contractor true-up landed in the same month
Open · outcome pending · You · Review by 05 Jun 2026
pause two discretionary G&A line items pending the next close to test whether the April opex creep was a one-off.
Open · outcome pending · Granite Lane finance · Review by 30 Jun 2026
Forecast reliability
Forecast reliability Inferred
Accuracy is still building — We need a few more closed months before we can honestly score how your forecasts have tracked. We'll never show a made-up number.
How we measure it: every past monthly forecast is scored against the month that actually closed — out-of-sample, never fit to the answer.
Sources & evidence
- General ledger · Chart Of Accounts · Apr 2026
- General ledger · Opex · Apr 2026
- QuickBooks · True Up · April
- General ledger · Direct Cost · Apr 2026
- QuickBooks · Rate · April