The Annual Physical: Your Business Gets a Checkup Once a Year, or an Autopsy Eventually.

The sample shop is having a great year at the counter — revenue up 6.9%, margins strong, calendar full. The physical still fails it on five of twelve vitals: the owner earns $26.92 an hour, cash covers 5.4 weeks, money takes 54 days to arrive, prices trail costs by four points, and invoices leave six days late. Grade: C — treatable, start now. That's what a physical is for: finding what the topline hides, while it's still cheap to fix.

How it works

• The Inputs — eighteen numbers you already have, grouped by where they live: the P&L, the books and the bank, the customer list and the calendar. Thirty minutes with last year's file open
• The Report Card — twelve vital signs computed live, each with a blunt verdict (STRONG / WATCH / WEAK) and a plain-words note; the score counts itself into a letter grade. No averaging away the bad news
• The Treatment Plan — one prescription per WEAK, in the order the fixes pay (the first one costs nothing), the watch list for everything in between, and the 90-day re-test. C is good news wearing a stern face: every WEAK has a boring, known, non-heroic fix

Built for

Every owner running on gut and a bank balance: trades · services · restaurants · retail · studios · agencies. One afternoon, once a year — book it the same week as the insurance renewal.

What you get

One .xlsx file, four tabs, instant download. Excel, Google Sheets, Apple Numbers, LibreOffice. No macros, no subscription. Copy the file each year; the stack becomes your business's medical history.