Forecast
Financial outlook based on your actual data
Business Health Score
HealthyBusiness is profitable (€117,032.36) and true cashflow is positive (€112,331.36) — a strong financial position.
Cashflow Risk
Moderate Risk
Some months show cashflow pressure. Worth monitoring expenses and building a 2-month buffer.
36 of 36 months positive
Business Direction
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.
Year-End Projection
If recent monthly averages continue — projected from your last data point
Projected Income
~€45,145.85
€3,762.15/mo avg
Projected Expenses
~€7,391.33
€615.94/mo avg
Projected Cashflow
~€37,754.52
€3,146.21/mo avg
Projected Margin
84%
of income kept after expenses
Extrapolated from projected monthly average. Assumes a consistent run-rate — it cannot predict client loss, market changes, or unexpected costs. Do not use this figure to take on debt, hire staff, or make major financial commitments.
How This Forecast Was Built
Data analyzed
January 2023 – December 2025
Months of history
36 months
Transactions
376
Forecast confidence
High
Confidence Score
96%How the income projection was calculated
Recurring Expenses Detected
€432.23/month in stable, recurring costs identified. The expense projection will not drop below this floor.
Fixed costs contributing to this floor:
· Recent months are weighted 3× more heavily than older months when calculating averages.
· High — 12+ months. More history produces a more reliable forecast.
· 100% of your income has been matched to a known client or income source.
Key Drivers
What is shaping this forecast
Income is declining
Average monthly income fell 24% over the last 6 months vs. the prior 6 (€3,500/mo vs €4,600/mo).
Biggest expense: Tax
Tax accounts for the most spending (€14,630 all-time). Year-over-year trend: stable.
All months cashflow positive
Every month in your data had more income than expenses — a strong foundation for the forecast.
Seasonal adjustment applied
This month historically runs 10% below your average income based on your own prior data. The income projection has been adjusted to reflect this pattern.
Biggest Risk
Transport is your fastest-growing expense, up 31% from 2023 to 2025.
Something to Consider
Income and cashflow have been consistent — a stable pattern across recent months.
Things Worth Reviewing
Based on your data — only you know what's actually worth changing.
Your projected cashflow margin of 84% is healthy — keep it up.
Seasonal Patterns
Income peaks in Q2 (Apr–Jun) (€4,511.11 avg) and is lowest in Q3 (Jul–Sep) (€3,555.56 avg).
Your strongest month for income is historically June (€4,933.33 avg), while August is typically the weakest (€3,000 avg).
Financial Outlook
Income vs Expenses
Tap any month to see the breakdown
Monthly Breakdown