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BNS Cashflow — Deep Diagnostic

BNS Financial Summary

Data as of 2 May 2026 · 8/11 feeds broken

Monthly Burn Rate

£32K

Range: £27K – £55K

Liquid Cash

£175K

£43K Xero + £131K Wise

Runway

5.4 mo

at £32K/mo burn

Q4 2025 Net

+£185K

Last clean quarter

Stale data warning: 8 of 11 Xero bank feeds silent since 19 Mar 2026. Q1 2026 revenue (£139K) is understated by at least £131K (confirmed B2B Supply). True burn may be significantly lower once feeds reconcile.

Action required: In Xero: Banking → each broken account → Feed status → re-authorise. Start with Wise GBP. Then re-run diagnostic to get real numbers.

Headline KPIs

⚠ v8 — BROKEN BANK FEED AUDIT (the cash crisis was a measurement crisis)

v7 — Mysteries resolved (new Xero scopes live)

v6 — Go Live synthesis + Bluesky reclassification + Accounting SOP (2026-05-02)

v5 — Multi-agent investigation synthesis (2026-05-02)

v4 — 6-year history reconciliation + Q1 validation test

Codex v3.1 peer review — applied corrections

v3 update — reconciliation-aware cash burn

Q1 2026 outflow breakdown — what drove the burn

v2 picture (kept for transparency — superseded)

View v2 BS-delta cash burn (now superseded)

12-month trajectory

Forward 90-day projection (forecast model)

Forecast model uses scheduled bills + open invoices only. Does NOT include Shopify revenue, subscriptions, card direct debits, or the Q1 2026 actual burn pattern. Read alongside the 12-month trajectory above for the real picture.

Balance sheet — two views

Liquidity stack — what cushions exist

Statutory & operating liabilities

Directors Loan — needs investigation

What's coming (forecast events)

Outflows (top 15 next 90d)

Inflows (top 15 next 90d)

Open bills audit (zombie AP)

Vendor concentration (Xero-bills only — incomplete)

Phase 1 caveats

Codex peer review status: