Complete Chapter Index — User Manual

Stephen Fairbairn's personal research journey — from business closure to the platform. Covers the April 2016 research findings, the Sustainable Cashflow Formula, the profit culture problem, and how ASIC RG 217 confirmed what the research identified a decade earlier.

Section 588G, ASIC RG 217 December 2024, safe harbour provisions, personal liability including Director Penalty Notices, the information asymmetry problem, and lessons from Australian governance cases.

Why profit is not solvency, how the three financial statements work together, the Sustainable Cashflow Formula, the growth trap, the debt and credit cycle, and the two breakeven points that define the danger zone.

Logging in, creating your company, entering financial data year by year, and understanding what the platform calculates automatically. Complete field guide for Income Statement, Balance Sheet, and Cash Flow Statement.

Step-by-step export guides for Xero, MYOB, and QuickBooks. Field mapping, the six validation checks, what BoardSolvency does when no cash flow statement exists, and the phased import roadmap.

Every metric, ratio, and signal BoardSolvency produces — in plain English. The four key indicators (DSCR, Cash Trend, Breakeven Gap, Current Ratio), ATO obligations, the traffic light system, and how each monitoring session builds the safe harbour protection record.

The three-year forward view, monthly review and update discipline, equity and reserve provisions, and the 13-week rolling cashflow forecast.

How to read the forecast's four key warning signals in the right order, the real levers available to a director and what each one costs, and a worked case study of a business drifting from healthy-looking into genuine difficulty — and back.

Producing, presenting, and preserving BoardSolvency solvency reports for the board. Management report vs BoardSolvency comparison, the eight-section solvency report, safe harbour documentation, and when to escalate to professionals.

How Creditor Days, Debtor Days, and COGS interact to drive Trade Creditors and Trade Debtors under the surface — why editing a balance sheet figure directly won't hold, and a worked case study of a debtor crisis resolved through the Days mechanism, not manual overrides.

Complete six-year demonstration — three years historical, three years forecast. A retail business growing strongly on P&L while a debt and working-capital strain builds, then a debtor governance failure deepens it further, before disciplined recovery. Real numbers throughout.

Plain English definitions of every financial, legal, and BoardSolvency-specific term used throughout the platform — without assuming accounting knowledge, legal training, or financial qualifications.

The academic, professional, and regulatory foundations of the BoardSolvency framework — a decade of documented independent research from 2016 through to 2026, plus a recommended reading list for directors.

A position paper for governance professionals, legal practitioners, and accountants evaluating BoardSolvency — covering Section 588G, ASIC RG 217, Christensen, Edmondson, Martin, and the seven-year independent research behind the Sustainable Cashflow Formula.