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Finance

What's actually left, per order, per product, per month.

The report says you're profitable. So why can't you make payroll on the first of the month?

Works with

One month, three break-even points

Profitable on paper.The bank tells a different story.

What goes into the math

Demo data

Per order

  • Net revenueAfter VAT and card fees₪237Website
  • Product, packaging, shipping-₪130Orders
  • LaborFrom the time clock-₪22People

Left per order₪85

Per month

  • Marketing-₪17,000Marketing
  • Fixed costsOwner's salary included-₪42,500Your input
  • Cash out, not in the P&LLoans, taxes, owner draws-₪17,000Your input

Orders this month

800

On paper
₪8,500
In the bank
-₪8,500

Profitable on paper, negative in the bank.

The gap is cash that leaves the bank but never shows up in the P&L.

Demo data
500700900
₪0
300Orders per month1,100

Drag to see where the month stands.

The three break-even points

  1. Operating break-even Before marketing500 ordersCovers fixed costs.
  2. Full break-even Marketing included700 ordersCovers marketing too.
  3. Cash break-even Cash outflows included900 ordersAlso covers loan principal, tax advances, VAT, equipment and owner draws.
Live todaySee exactly what runs

  • All three monthly break-even points use one formula: a monthly cost base divided by what's left per order. Operating uses fixed costs, full adds marketing, and cash adds the commitments that leave the bank. When an order leaves nothing, the screen says in plain words that break-even can't be reached with the current cost structure.

    LIVEbreak-even-three-layers

  • Loan principal, tax advances, VAT payments, equipment, owner draws and past debts are totaled separately and subtracted from profit. When profit is positive but cash flow is negative, an alert puts the two break-even points side by side. You enter these amounts by hand, because the system is not connected to the bank.

    LIVEcash-vs-paper

  • Every profit calculation starts after VAT comes off at the rate you entered, and card fees are calculated on the full amount the customer paid, including VAT and shipping.

    LIVEvat-and-fee-honesty

  • Open the screen in a browser signed in as an admin, and these fill in automatically from the orders report and Meta: order count, average order value, packaging, labor where minutes were measured, and Meta ad spend. Product and shipping costs come in with a confidence level and never enter the calculation on their own. Google and influencer spend, fixed costs and cash that leaves the bank are entered by hand.

    LIVEauto-pull-real-systems

The screen is live. The screenshot isn't out yet.

The profitability center already runs in the business MOVA was built on.

This screen holds the business's real revenue, payroll, loans and owner draws, so its screenshot will only go public with sample figures. The demo above runs the same formula on a made-up month.

What the Finance department does

  1. Three break-even points, not one

    Live todayHow it works

    • Three monthly order counts where the business breaks even: before marketing, after marketing, and after the commitments that leave the bank. When an order leaves no profit, the screen doesn't show a number. It says in plain words that break-even can't be reached with the current cost structure.

      LIVEbreak-even-three-layers

  2. Counts what leaves the bank

    Live todayHow it works

    • A layer below profit for loan principal, tax advances, VAT payments, equipment, owner draws and past debts, all entered by hand. When profit is positive but cash flow is negative, an alert shows the two break-even points side by side. Enter loan interest with no principal repayment, and a note tells you the loan probably isn't split correctly.

      LIVEcash-vs-paper

  3. Profit on every order, organic ones too

    Live todayHow it works

    • Every order's profit includes a marketing cost. Orders with no ad cost of their own get a default the owner sets, so organic orders don't look more profitable than they are.

      LIVEorder-marketing-cost-in-profit

  4. Profit per product, after labor

    Live todayHow it works

    • The system learns how many minutes of work each product takes from completed single-product orders, then splits each order's labor, shipping, packaging and marketing across the products in it. You get profit per product after labor.

      LIVElearned-prep-time-product-profit

  5. What you really owe suppliers

    Live todayHow it works

    • The open balance, what's already been paid, and invoices with no recorded payment each show up separately. A credit note lowers the cost, and a partial payment reduces what you owe by exactly the amount paid.

      LIVEwhat-is-really-owed

  6. See what a change would do

    Live todayHow it works

    • Move the ad budget, the price or the volume, and see the effect on monthly profit right away. Alongside it, a list of insights in shekels: what matters most, and what to change first.

      LIVEwhatif-and-insights

  7. Forecasts the month before it ends

    Live todayHow it works

    • Tells you whether, at the current pace, the month will end above or below break-even. The forecast is built from what's already happened this month, so you still have time to act.

      LIVEmtd-forecast

  8. Shows the formula, not just the result

    Live todayHow it works

    • Every key number opens a card with the calculation behind it: the formula, with your numbers plugged in. If you can't explain a number, you can't defend it in a meeting.

      LIVEcalc-breakdown-cards

  9. A losing order isn't always a bad customer

    Live todayHow it works

    • When an order from a repeat customer loses money, it's marked as such, with that customer's value over time shown next to the loss on the single order. The call is about the customer, not one line.

      LIVEloss-but-valuable-customer

  10. Tells you how far to trust the numbers

    Live todayHow it works

    • A single score from 0 to 100 shows how much of the picture rests on measured data. When product, shipping or packaging costs are missing, it calculates how many shekels a month that gap inflates the profit on screen.

      LIVEreadiness-score-and-distortion

Who the Finance department talks to

What they decide together

Each row is one department and the decision their conversation leads to. Pick a row to see the conversation.

FinanceService

A customer wants to pay in chat. The link is already there.

Illustration
  1. ServiceCustomer: Can I add a balloon and pay here?
  2. FinanceDone: an order for the balloon and a secure payment link, at the site price.
  3. ServicePaid. The invoice is right there in the chat.

The customer pays from a link in the chat. No phone call, no detour to checkout.

Live todaySee exactly what runs

  • Customers who ask to pay get a secure payment link in the chat. Products picked by name are charged at the site price, and once it's paid, the invoice lands in the same conversation.

    LIVEchat-payment-link

Open Service

The question we get about this department

We already have an accountant. Why another department?

Your accountant's report shows up after the month is over. Finance answers mid-month: where the pace is heading, and how many more orders a day you need to break even. And for your accountant meeting, one click gets you a single report.

Live todaySee exactly what runs

  • The system measures the daily pace since the start of the month and projects it to month end. The screen tells you whether, at this pace, the month ends above or below break-even, and what pace you need from today to get there.

    LIVEmtd-forecast

  • One printable page for your accountant or advisor: the bottom line, profit layers, break-even points, order economics, marketing, a section on how reliable the data is, and questions that only appear when the numbers call for them.

    LIVEconsultant-report

More departments

Let your business start talking to itself.

See MOVA on your businessSee how the departments talk