Management reporting
Are your figures timely, accurate and useful for decisions?
Free 20-question self-assessment
How financially healthy is your SME?
Identify the financial-management areas that are working—and the warning signs that may need attention—without sharing confidential business figures.
- Complete it in about 10 minutes
- Score five essential financial-management areas
- Choose three practical priorities for your business
Free PDF download
Get the SME Financial Health Check Scorecard
What you will assess
Five areas every SME owner should understand
The scorecard turns broad financial concerns into 20 clear yes-or-no questions and a simple 0–40 result.
Profitability
Can you see which customers, products or services make money?
Cash flow
Can you anticipate shortages before they become urgent?
Working capital
Are receivables, payables and inventory under control?
Financial control
Are reconciliations, approvals and responsibilities working?
Useful, not complicated
Move from a score to an action plan
Your result helps you recognise whether your present financial-management position appears strong, generally sound, exposed in selected areas or in need of priority attention.
0–40Simple score5Financial areas3Priority actions
Prepared for Malaysian SMEs
Practical guidance grounded in experience
TM Management Consultancy is led by Thiagan Manikam, with more than 30 years of hands-on accounting and financial-management experience. The scorecard is educational and does not replace advice based on your company’s actual records and circumstances.