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Built by a certified auditor Accounting-grade precision Designed for real decisions
JMFC CFO Lab

CFO & Accounting Tools

From cash and profitability to lease accounting, reserves and consolidation packs.

Interactive tools built by a certified auditor with Big4 and corporate finance experience.

Certified auditor · PANA no. 12933
20+ years in Big4 and corporate finance
Methodology built to stand up to audit scrutiny
Cash release potential
CCC — → — d
Receivables
Inventory
DPO
Revenue250 mln
Current DSO58 d
Target DSO48 d
Current DIO72 d
Target DIO62 d
Cash Conversion Cycle
vs. benchmark
DSO
bench: 45 d
DIO
65 d
bench: 55 d
DPO
bench: 38 d
EBITDA%
11%
bench: 12%
DSO58 d
DPO34 d
EBITDA change
Base EBITDA
New EBITDA
Wpływ ceny
Wpływ kosztów
Revenue250 mln
Marża EBITDA12%
Price change+2%
Cost change-3%
EBITDA miesięczna
Revenue MTD
▲ +3.2% vs prev. month
EBITDA margin
Cash position
▲ +4.1% m/m
DSO
58 d
▼ -2 d vs prev. month
Revenue roczne250 mln
Marża EBITDA12%
4+
tools in development
2
already live
20+
years of experience
100%
aligned with IFRS / IAS

Tools for cash, EBITDA and board-level decisions

Below the hero you will find the full CFO Lab toolkit: working capital, cash flow, profitability, management KPI and a due diligence checklist.

Working capital

Cash Release Calculator

See how much cash you can unlock by improving DSO, DIO and DPO.

DSO58 48 d
Cash release3.2m PLN
CCC96 83 d
Cash/EBITDA1.07x
Benchmark

Working Capital Diagnostic

Spot the biggest working capital gap and compare it with sector benchmarks.

SectorFMCG
CCC vs benchmark+13 days
DSO statusAbove target
DPO statusOn target
EBITDA

EBITDA Margin Simulator

Test how pricing, cost and volume changes would move EBITDA before you commit.

Price +2%+5.0m PLN
Cost -3%+4.6m PLN
Total+9.6m PLN
New margin15.8%
BK
Board pack

Board KPI Dashboard

Turn monthly finance data into a board pack with trends, alerts and clear decision signals.

Revenue MTD21m PLN
EBITDA margin12.8%
Cash position20m PLN
Alerts2 active
CF
IAS 7 / Local GAAP

Cash Flow Builder

Build a clean indirect cash flow view from earnings, working capital and financing movements.

Operating CFO18,300k
CFO/EBITDA0.84x
Free Cash Flow6,300k
Earnings qualityStrong
DD
M&A / FDD

Due Diligence Checklist

Use a practical FDD checklist to review earnings quality, working capital, debt and transaction risk.

FDD areas6
Items68
Critical items12
MethodologyBig4
CA
Tax / ZUS

Polish Tax and HR Calculators

Tax and ZUS arrears interest, employment cost, B2B cash limits, fiscal register threshold and car CO2 cost limits in one page.

Tax/ZUSinterest
Payrollemployer cost
B2B cash15,000 PLN
Car CO22026 limits
Audit

Audit Threshold Calculator

Check whether your company is required to have its financial statements audited under Art. 64 of the Polish Accounting Act — with a live NBP rate.

Assets threshold3 125 000 EUR
Revenue threshold6 250 000 EUR
Employment50 FTE
NBP rateLive
CFO Lab

Financial X-Ray Explorer

Map your top financial risks across Liquidity, Revenue, EBITDA and Debt — and build a prioritised action plan ready for PDF export.

LiquidityDSO, Provisions
RevenuePricing, Pareto
EBITDACOGS, OpEx
DebtLeverage, Off-B/S

Built from real finance work, not generic templates

Each tool was built in response to real issues seen in audits and finance projects.

Reviewed by a certified auditor

Each tool has been checked against real engagement data. Outputs are aligned with audit expectations.

AR

Current accounting standards

The tools reflect IFRS, IAS, Polish GAAP and related reporting logic. They can evolve with standards.

DOC

Ready for documentation

Outputs are designed to support audit files, working papers and financial statement notes.

24/7

No sign-up required

No hidden fees and no account needed. Open the tool and start immediately.

Need advice, not just a calculator

The tools are a starting point. If you need a full audit, finance review or implementation support, let’s talk it through directly.

Book a free consultation