Review example
Here are my thoughts on your management accounts.

- Purchases have exceeded sales this month giving you a negative gross margin. I am guessing this is a timing difference.
- If it is against future income it raises the question of whether you should take deposits from the customer against such purchases (I hope you are allowed to return the goods if for some reason the customer changes their mind)
- If it is against past income then a) what would that have done to the margin in that month and b) it is a good example of how accruals can help avoid nasty surprises.
- There are some old bank reconciliation items that need resolution
- A number of debts are more than 90 days overdue. As part of the year end you could consider writing them off. Although this would reduce the profits you would get a tax benefit and it would give you a realistic ledger to use as the basis for cash management going into the new year.
