MIZWALA ADVISORS
PRINTABLE WORKSHEET · 4 NOVEMBER 2026
Profitable, but short of cash?
Complete this sheet with your own verified information. Calculations are manual. Use your browser’s Print command to save a PDF or print; entries are not submitted or automatically saved.
Period and currency; bank accounts included
Opening reconciled bank cash
Profit and non-cash adjustments
Receivables, inventory and payables movements
Investment, financing and other cash movements
Calculated closing cash; actual bank cash; unexplained difference
Largest driver; next action; owner; due date
Reference example — fictional
| Movement | Cash effect |
|---|---|
| Opening bank cash | 50,000 |
| Profit for the month | +20,000 |
| Add non-cash depreciation | +3,000 |
| Increase in receivables | −12,000 |
| Increase in inventory | −8,000 |
| Increase in trade payables | +5,000 |
| Equipment paid for | −6,000 |
| Loan principal repaid | −4,000 |
| Closing bank cash | 48,000 |
50,000 + 20,000 + 3,000 − 12,000 − 8,000 + 5,000 − 6,000 − 4,000 = 48,000. This example is invented for explanation; it is not a client result.