financial-health-check

Financial Health Check

Get an instant snapshot of your company's financial position.

When to Use

Invoke this skill when the user asks:

• "How is my business doing financially?"
• "How is my business doing?"
• "What's my financial health?"
• "Company financial overview"
• "Give me a financial summary"
• "How profitable am I?"
• "Am I making money?"
• "Did I make a profit?"
• "What's my runway?"
• "How long can I survive?"
• "Quick financial overview"
• "Bottom line this month/quarter/year"

MCP Server

This skill requires the OSOME MCP server:

https://mcp.osome.com/mcp

Tools Used

Step	Tool	Purpose
1	list-companies	Let user select company (if multiple)
2	get-company	Get fiscal year end
3	get-balance-sheet	Assets, liabilities, equity snapshot
4	get-profit-and-loss	Revenue, expenses, net profit
5	get-bank-accounts	Cash positions across all accounts

Data Available

From get-company:

• Company ID and name
• Next fiscal year end date

From get-balance-sheet:

• Report with headings and line items
• Assets, liabilities, equity totals (in report format)

From get-profit-and-loss:

• Report with headings and line items
• Revenue, expenses, net profit (in report format)

From get-bank-accounts:

• Account name, bank name, currency
• Balance per account
• Account type and active status

Execution Flow

1. Call list-companies to get available companies (returns [{ id, name }])
2. If multiple companies, ask user to select one
3. Call get-company with selected company ID
   • Extract: nextFiscalYearEnd to determine date range
4. Call get-balance-sheet with company ID and date range
5. Call get-profit-and-loss with company ID and date range (both dates required)
6. Call get-bank-accounts with company ID
7. Parse report data and synthesize summary

Report Structure

Reports return data in this format:

{
  "report": {
    "headings": ["Account", "Amount"],
    "lines": [["Revenue", 890000], ["Expenses", 765000]]
  }
}

Parse the report to extract key figures.

Output Format

Present a natural language summary including:

Key Metrics

• Net Profit/Loss: [amount] for [period]
• Gross Profit Margin: [percentage] (if calculable from report)
• Total Cash: [sum across bank accounts]

Financial Position

• Total Assets: [from balance sheet report]
• Total Liabilities: [from balance sheet report]
• Net Equity: [assets - liabilities]

Cash Runway

If expenses are available from P&L: Total Cash / (Monthly Operating Expenses)

Example

User: "How is my business doing?"

Response:

Based on your financial reports for ACME Pte Ltd:

Profitability (YTD):

• Revenue: SGD 890,000
• Expenses: SGD 765,000
• Net Profit: SGD 125,000 (14% margin)

Cash Position: Total across 2 bank accounts: SGD 245,000

• DBS Current: SGD 180,000
• OCBC Savings: SGD 65,000

Balance Sheet:

• Total Assets: SGD 580,000
• Total Liabilities: SGD 260,000
• Equity: SGD 320,000

Runway: At ~SGD 30K/month burn rate, approximately 8 months of cash.

Error Handling

Scenario	Response
No companies found	"You don't have access to any companies. Please check your permissions."
Balance sheet empty	"No financial data available for this period. Has bookkeeping been completed?"
Missing fiscal year	Use calendar year (Jan 1 - Dec 31) as fallback
Report parsing fails	Show raw report data and explain limitation