Health Scoring — Mothusi

See it in action

Deep health intelligence in a single question

Mothusi AI

Show me Acme Corp's health.

Acme Corp — overall health: 68/100. Here's the 4-dimension breakdown:

Compliance

71↓4

Financial

Goals

Survival

Compliance

82%

Goals

74%

Financial

71%

Survival

44%

Survival is the concern. Cash runway: 16 days. Receivables R340k vs payables R280k. Three outstanding invoices (Eskom subcontract R180k, municipal project R95k, private client R65k) are the root cause.

4-dimension health scan · Survival at risk

What should we prioritise?

Based on the health analysis, here are 3 priority actions ranked by impact:

Collect R340k receivablesExtends cash runway from 16 to 48+ days · Survival score jumps to 72

Urgent

Renew BEE certificateExpires in 28 days · Required for DTIC supplier registration · Compliance drops to 61 if missed

Soon

Complete 2 pending milestonesRevenue targets for March · Goals score rises to 87 on completion

On Track

Projected impact: If all 3 are actioned, Acme Corp's overall health jumps from 68 to 81 — moving them from "At Risk" to "Good" within 30 days.

I can draft the invoice follow-up letters right now, initiate the BEE renewal, and update the business plan with the new milestones. Shall I proceed?

3 priority actions · Projected health: 68 → 81

Yes, do all three.

All 3 actions executed:

3 invoice follow-up letters sent

BEE renewal application filed

Business plan updated

Follow-up letters: Professional 7-day payment reminders sent to all 3 debtors with invoice references, amounts, and banking details. Escalation letters auto-scheduled at 14 days.

BEE renewal: Application pre-filled from Acme's profile — ownership structure, revenue figures, and employment equity data. Submitted to verification agency. Expected turnaround: 10 business days.

Business plan: Updated with March revenue targets, new milestone definitions, and revised cash flow projections reflecting the expected receivables collection.

Mentor David Mokoena has been briefed on the survival situation with discussion points for Wednesday's session. I'll monitor all 4 dimensions daily and alert you the moment the survival score moves.

3 actions complete · Mentor briefed · Monitoring active

Capabilities

Four dimensions that tell the complete story

Each dimension answers a fundamental business question. Together, they provide a comprehensive, real-time assessment that traditional reporting can't match.

Compliance Score

Are you legal? Tax clearance, VAT registration, BEE certificate, CIPC annual return, financial statements, UIF/PAYE — each certificate's status contributes to the score. Green for valid, amber for expiring within 30 days, red for expired. Mothusi tracks renewal dates and prepares documents before deadlines hit.

Financial Score

Are you making money? Revenue year-to-date vs target, gross margin trend, net profit, and expense management. The score reflects not just current performance but trajectory — a business growing 20% month-over-month scores higher than one that's flat, even if absolute revenue is lower.

Goals Score

Are you executing? Milestone completion rate, growth plan progress against timeline, and recent achievements. This dimension rewards action — businesses that consistently hit milestones and make measurable progress score high, while those stalling or missing deadlines see their score decline with specific gap identification.

Survival Score

Can you pay your bills? Cash runway in days, receivables vs payables balance, debt-to-equity ratio, and bank balance trend. The most urgent dimension — a low survival score demands immediate attention. Mothusi calculates exactly how many days of cash runway remain and what actions would extend it.

FAQ

Common questions

How are the health scores calculated?

Each dimension is scored 0-100 based on specific, objective criteria. Compliance (Are you legal?) checks tax clearance, CIPC registration, BEE certificate, financial statements, UIF/PAYE status, and licence validity — each certificate contributes points based on status (valid, expiring soon, expired). Financial (Are you making money?) evaluates revenue vs target, margin trends, net profit, and expense management. Goals (Are you executing?) tracks milestone completion, growth plan progress, and recent achievements. Survival (Can you pay bills?) assesses cash runway in days, receivables vs payables ratio, and debt levels. Scores update in real time as underlying data changes.

What triggers an alert?

Alerts trigger on three conditions: score threshold breach (any dimension drops below 40), rapid decline (any dimension drops more than 15 points in a 30-day period), and sustained stagnation (no improvement in a below-60 score for 60+ days). You can customise these thresholds per programme or portfolio. Alerts include the specific dimension, the cause of the decline, and a recommended intervention — so you're not just told something's wrong, you're told what to do about it.

Can I compare health scores across my entire portfolio?

Yes. The portfolio heatmap shows every SME's health score in a visual grid — colour-coded from green (80-100) through blue (60-79) and amber (40-59) to red (0-39). You can sort by overall score, by any individual dimension, by sector, by region, or by programme. Ask Mothusi "Show me all construction SMEs sorted by survival score" or "Compare Cohort 6 vs Cohort 7 health trends" and you get instant visual comparisons. This makes board presentations and funder reports effortless.

Four dimensions. One health score.