Welcome back, Sophie.
Based on data through December 2025
376 transactions · 36 months
Expenses increased in , led by Tax (€1,150 above last month). Cashflow remains positive.
- ·This analysis covers 36 months, from January 2023 to December 2025.
- ·Your income in , €3,600, is 10% below your average over the last 36 months (€3,991.67).
- ·Expenses in , €1,737.99, are 99% above your average — your largest category is Tax at €1,150.
- ·Cashflow dropped €1,212 compared to last month. Higher Tax spending (+€1,150) was the main driver.
Cashflow
€1,862.01
income above expenses
↓ 39%Dec 2025 · Savings transfers not included · does not account for tax owed
View transactions →Margin
52%
Dec 2025
↓ 33%Worth a follow up
Business Profit
€117,032.36
81% margin
Based on categorized expenses — not a tax figure
True Net Cashflow
€112,331.36
After costs, personal spend & debt
Personal Burn Rate
€4,701
Personal expenses & family support
- ·Your business generated €117,032.36 profit — a 81% margin.
- ·A 81% profit margin is strong for a freelance business.
- ·You've deployed €12,400 to savings and withdrawn €0 — a net saving of €12,400.
- ·Savings active for 36 consecutive months.
- ·Business revenue up 19% vs the previous 3-month period.
- ·Average monthly income over the last 12 months: €4,050.
Financial Outlook
Income vs Expenses
Tap any month to see the breakdown
Over the past 2 years, your income has grown 16% — from €42,000 in 2023 to €48,600 in 2025, averaging €3,991.67 per month.
- ·2024: income rose 26% to €53,100.
- ·2025: income fell 8% to €48,600. Expenses grew even faster, by 4%.
- ·Recent momentum: income averaged €3,800 (Oct 2025 – Dec 2025), up 19% from €3,200 the previous 3 months (Jul 2025 – Sept 2025).
Monthly Breakdown
Forecast
January 2026
Based on 36 months of history.
Recent 3 months weighted 3× more than older history
Income
€3,762.15
Expenses
€615.94
Cashflow
€3,146.21
Margin
84%
Cashflow has been positive in 36 of the last 36 months — a strong foundation for this forecast.
Income has been trending up recently, averaging €3,800 over the last 3 months.
What to do next
- →Your projected cashflow margin of 84% is healthy — keep it up.
Should I feel better than last month?
This month was harder — income and cashflow both tightened.
Income
Nov 2025
€3,600
Dec 2025
€3,600
Change
Expenses
Nov 2025
€525.99
Dec 2025
€1,737.99
Change
Cashflow
Nov 2025
€3,074.01
Dec 2025
€1,862.01
Change
Why
Expenses jumped 230% in — mainly driven by Tax (€1,150 more) and Professional services (€150 more).
What to do next
Tax was the largest expense increase in , up €1,150. Review whether this is a one-time cost, a recurring change, or client-related activity.
Recent Activity
Largest income: NEXO STARTUP VIREMENT — €3,600.
Largest expense: URSSAF COTISATIONS SOCIALES — €1,150.
4 recurring charges totalling €97.99.
Notable expense: URSSAF COTISATIONS SOCIALES — €1,150.
Transaction Detail
Your Financial Story
Historical Insights
Your best income year was 2024, with €53,100 in total income.
Income grew 16% between 2023 and 2025 — from €42,000 to €48,600.
Your best income month was Jun 2024, with €6,900 received.
From 2023 to 2025, your overall cashflow margin was 78% — a strong result.
Your longest streak of positive cashflow lasted 36 months, from Jan 2023 to Dec 2025.