clearownerBETA
Juniper Home ServicesExample businessJan 2025 – Dec 2025 · USD · Accrual basis

LESS ACCOUNTING. MORE UNDERSTANDING.

The big picture.

Your business, in numbers that make sense.

Your financials stay yours.

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YOUR FINANCIAL PICTURE

Profitable, with room to breathe.

You earned $126,000 after business expenses and have $120,000 in the bank. Your short-term assets cover your short-term obligations.

Positive signals

Revenue

$1.2MSales for the selected period

Operating earnings

$180KEBITDA · 15.0% margin

Owner benefit

$276KEstimated SDE · before tax & debt

Cash on hand

$120KAt December 31, 2025

Where your revenue goes

Every $1 of revenue

40¢Delivering your work

45¢Running the business*

15¢Operating earnings

*Operating expenses less depreciation & amortization. Rounded minor units may not total a whole currency unit.

You keep 15¢ in operating earnings for every $1 of sales.
Before interest, income taxes, and investment in the business.

ONE THING TO FOCUS ON

Profit is a story. Cash is your breathing room.

Your $120,000 cash balance covers about 1.4 months of average operating costs. Keep an eye on when customers pay and when bills fall due.

Cash coverage is a rough cost cushion.
Short-term breathing room$130K

Working capital · short-term assets less short-term obligations.

Debt to repay$150K

Short- and long-term borrowings. Includes credit cards.

What’s left on the books$180K

Book equity · everything owned, less everything owed.

Read the brief owner summary

Your business reported $1,200,000 in revenue and $126,000 in net profit. Before interest, income taxes, depreciation, and amortization, earnings were $180,000 (15.0% of sales). At December 31, 2025, you held $120,000 in cash and owed $150,000 in debt. Short-term assets exceed short-term obligations by $130,000.

Owner benefit (estimated SDE) is $276,000, including the adjustments you entered. It is not take-home pay or available cash.

Owner summary

Your business reported $1,200,000 in revenue and $126,000 in net profit. Before interest, income taxes, depreciation, and amortization, earnings were $180,000 (15.0% of sales). At December 31, 2025, you held $120,000 in cash and owed $150,000 in debt. Short-term assets exceed short-term obligations by $130,000.

Status: Positive signals. Estimated SDE includes owner-entered adjustments.

Your income, simplified

Full reporting period
RevenueWhat you sold, after refunds and discounts
$1,200,000
Direct costsWhat it cost to deliver the work
− $480,000
Gross profit60.0% gross margin
$720,000
Operating expensesIncludes owner payroll and depreciation
− $564,000
Other income / expense, net
+ $0
Interest expense, net
− $12,000
Business income tax
− $18,000
Net profitThe reported bottom line, before owner distributions
$126,000

Accrual revenue can include unpaid invoices. Reported profit is not the cash in your bank.

From profit to owner benefit

The earnings bridge
Start with net profit / loss
$126,000
Add net interest expense
+ $12,000
Add business income tax
+ $18,000
Add depreciation & amortization
+ $24,000
EBITDAEarnings before interest, income taxes, depreciation & amortization
$180,000
Nonrecurring expenses
+ $12,000
Remove nonrecurring income
+ $0
Adjusted EBITDAIncludes only your documented nonrecurring adjustments
$192,000
One working owner’s pay & benefits
+ $84,000
Personal expenses in the business
+ $0
Estimated owner benefit · SDESeller’s discretionary earnings, for one working owner
$276,000

SDE is before a replacement owner’s salary, income taxes, debt payments, capital purchases, and changes in working capital. It is not spendable cash or a valuation.

Your adjustment categories

One working owner’s pay & benefits

One working owner: salary, payroll taxes, and health insurance included in operating expenses.

Owner confirmed · supporting records not independently reviewed
+ $84,000
Documented nonrecurring expense

One-time office relocation, included in operating expenses.

Owner confirmed · supporting records not independently reviewed
+ $12,000

Keep identifying details, receipts, and source-account references in your own private records. Draws, distributions, loan principal, and expenses never deducted on the P&L do not qualify.

AT DECEMBER 31, 2025

What you own, less what you owe.

A snapshot of your business on one date.

Assets$400,000
Liabilities$220,000
=
Book equity$180,000

What you own

Cash & equivalents
$120,000
Customer invoices outstanding
$85,000
Inventory
$15,000
Other short-term assets
$10,000
Total short-term assets
$230,000
Longer-term assetsNet equipment, property, goodwill, and other noncurrent assets
$170,000
Total assets
$400,000

What you owe

Supplier bills
$45,000
Other short-term obligations
$25,000
Debt due within one year
$30,000
Total short-term obligations
$100,000
Debt due after one year
$120,000
Other longer-term obligations
$0
Total liabilities
$220,000
Can short-term assets cover bills?2.30×

Current ratio: short-term assets ÷ short-term liabilities. Inventory and receivables are less liquid than cash.

Cash coverage1.4 months

Cash ÷ average monthly direct and operating costs, excluding depreciation. This is not a cash-flow forecast.

Book equity$180,000

Recorded assets less all liabilities. Your business’s sale value can be very different.

Do the statements agree?

Matching arithmetic helps spot missing or duplicated amounts.

Both totals match

P&L difference: $0

Balance sheet difference: $0

Cash coverage is a rough cost cushion, not a cash-flow forecast. EBITDA and SDE are not available cash. This report summarizes entered figures; it is not audited, a valuation, or tax advice.

This is an example. Bring your own numbers to see your picture.