OPEX Score The financial diagnosis of your business, in a few minutes.
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The three questions it answers
Where your break-even point is
Your break-even point is the revenue below which you lose money. It is worked out from your fixed costs and the margin left on each sale, and it tells you how many days a month you work just to cover costs, before you start earning.
How you compare with your sector
A 12% margin can be excellent or worrying: it depends what you do. Comparing against your sector turns an isolated number into a verdict, without having to ask anyone.
What you need to turn over to hit your target
Start from what you want left at the end of the year and the maths runs backwards: how much revenue that takes, at that margin, after tax and costs. It is the calculation usually done in December, when nothing can be corrected any more.
What it does not do
It is not an accounting system and it does not issue invoices. It does not connect to your bank account. It does not replace your accountant, who works on the past and is needed: the question here is what is happening right now.
The questions everyone asks us
How do I know what I actually earn?
Take what comes in over a month and subtract everything: materials, rent, wages, utilities, fees, and the tax you will have to set aside. What is left is the real profit, and it is almost always different from the figure people carry in their head. OPEX Score does that sum with your numbers and gives you the figure, instead of leaving you to guess it from your bank balance.
Why doesn't my bank balance tell me whether I'm making money?
Because a balance mixes different things together: money already committed, VAT that belongs to the state and not to you, suppliers still to be paid, payments arriving in sixty days. An account that looks healthy mid-month can be empty on the 16th without anything odd having happened. Profit is a calculation, not a balance.
What is my break-even point?
It is how much you need to take in over a month not to lose money: the exact point where revenue covers both fixed and variable costs. Below that figure you are working at a loss even if the account looks fine. You need to know it in advance, not at year end: it is what tells you whether a bad month was a one-off or has become the rule.
How much do I need to bill to take home what I want?
It is the sum in reverse: start from what you want to earn and work back to what you need to bill. Change the price, the costs or the number of customers and you see the new figure straight away. It is the fastest way to find out whether the target in your head is reachable, or whether with today's costs it simply is not and something has to change first.
Doesn't my accountant already tell me this?
Your accountant closes the year and works out the tax, and does that job well: they work on the past. The question here is a different one — this month, am I above or below break-even? If you wait for the accounts to find out, you learn it ten months late, when there is nothing left to change.
How long before I see a first result?
Five minutes. You already carry the numbers for a first diagnosis in your head: what you take in, what costs you the same every month, what each sale costs you. Nothing to import, no bank account to connect, and nobody has to come and install it.
What does it cost to try?
Nothing, for fourteen days, and with no credit card. The trial gives you the break-even point and the return on investment: enough to judge whether the rest is worth paying for. The rest — simulator, stock, comparison with your sector — sits in the paid plans, and you see the prices inside before committing to anything.
Where do my numbers end up?
They stay yours. We do not sell them, we do not pass them to anyone and we do not use them for anything else. The privacy policy sets out who handles them and for what purpose, in plain words. And you can delete the account, and the data with it, whenever you want.