business-health-advisor

Skill: Business Health Advisor

weekly-review tells you what happened this week. This skill tells you whether your business is structurally sound. It answers the questions that week-to-week data obscures: Are you growing or just busy? Are you dependent on a client who could leave? Are you working more for less?

Run monthly (recommended: last working day of the month) or on-demand.

STEP 0 — DATA AVAILABILITY DECLARATION

Before running the analysis, state what can and cannot be calculated:

READ data/1-Projets/invoices/*.md → revenue data (6 months)
READ data/1-Projets/clients/*.md → client revenue allocation
READ data/2-Domaines/business-profile.json → income target, capacity target

Report:

Available for automatic analysis:
  ✓ Dimension 1: Revenue Trend (6 months of invoices found)
  ✓ Dimension 2: Client Concentration (client cards found)
  ✗ Dimension 3: Margin Efficiency — needs: hours worked this month
  ✗ Dimension 4: Capacity Utilization — needs: actual hours worked
  ✗ Dimension 6: Wellbeing — needs: self-assessment

To complete the full analysis, please provide:
  1. How many hours did you work this month?
  2. Wellbeing self-assessment: energy level [1-10], late nights [Y/N], weekend work [Y/N]

Wait for this input before running dimensions 3, 4, and 6.

Six Dimensions of Solo Business Health

Dimension 1: Revenue Trend

What it measures: Direction of growth, not just current level.

Data source: data/1-Projets/invoices/ — paid invoices, last 6 months

Calculations:

Metric	Formula
MRR (current)	This month's paid invoices
3-month moving average	(M-1 + M-2 + M-3) / 3
6-month moving average	(M-1 through M-6) / 6
Month-over-month growth	(Current MRR - Last MRR) / Last MRR
Revenue trend	Compare 3M avg to 6M avg

Health signals:

Signal	Score
3M avg > 6M avg + growing each month	🟢 Growing
3M avg ≈ 6M avg, consistent	🟡 Stable (not scaling)
3M avg < 6M avg or declining 2+ months	🔴 Contracting

---

Dimension 2: Client Concentration Risk

What it measures: How exposed you are if one client leaves.

Data source: data/1-Projets/clients/ — revenue by client, last 6 months

Calculation:

For each client: [client revenue] / [total revenue] = concentration %

Health thresholds:

Concentration	Signal	Risk
No single client >30% of revenue	🟢 Diversified	Low
One client = 30–50% of revenue	🟡 Exposed	If they leave, revenue drops materially
One client >50% of revenue	🔴 Dangerous	Single point of failure
Two clients >80% of revenue combined	🔴 Critical	Any disruption is a crisis

Output: Client concentration matrix showing each client's revenue share.

Recovery prescription for 🔴:

"You have a single-client dependency. Even if the relationship is strong, you're one budget cut or one org change away from a revenue crisis. Your immediate priority is to build 2–3 new client relationships to reduce [Client X]'s share below 40% within 90 days."

---

Dimension 3: Service Profitability

What it measures: Which work makes money per hour worked.

Data source:

• Revenue per service type: from invoices, categorized by service
• Hours per service type: from data/1-Projets/[project]/time-log.md (if tracked)
• Expense allocation: from expense-tracker for subcontractors and service-specific costs

Calculation (per service type):

Revenue per hour = Service Revenue / Service Hours
Net margin = (Service Revenue - Direct Costs) / Service Revenue

Output table:

Service	Revenue	Hours	€/hour	Net Margin	Verdict
[Service A]	€[X]	[Y]h	€[Z]	[X%]	🟢 High margin
[Service B]	€[X]	[Y]h	€[Z]	[X%]	🟡 OK
[Service C]	€[X]	[Y]h	€[Z]	[X%]	🔴 Below target rate

When time tracking isn't available: Use the capacity-planner's project actuals or ask user to estimate.

Health signal: Any service generating <75% of your target hourly rate is a candidate for repricing or discontinuation.

---

Dimension 4: Pipeline Health Trend

What it measures: Whether future revenue is being built while delivering current work.

Data source: data/1-Projets/pipeline.md — weighted pipeline over time

Metrics:

• Current weighted pipeline value
• Pipeline coverage ratio: weighted pipeline / monthly revenue target
• New leads added per month (last 3 months)
• Time to close (avg days from lead to signed)

Health thresholds:

Pipeline Coverage	Signal
>3× monthly target	🟢 Strong coverage
1.5–3× monthly target	🟡 Adequate
<1.5× monthly target	🔴 Thin pipeline — revenue risk in 60–90 days
0 new leads in 30 days	🔴 Prospecting has stopped

The key insight: Revenue dips always lag pipeline dips by 60–90 days. A weak pipeline today is a cash flow crisis in Q+2.

---

Dimension 5: Capacity Utilization

What it measures: Whether you're optimally loaded — not over, not under.

Data source: capacity-planner skill output

Metrics:

• Billable utilization rate: billable hours / available hours
• Revenue per hour (effective): total revenue / total hours worked
• Overload events: weeks where committed > available (last 3 months)

Health thresholds:

Utilization	Signal
70–85% billable utilization	🟢 Optimal
85–100%	🟡 Near capacity — little buffer for new opportunities
>100%	🔴 Overloaded — quality or deadlines at risk
<60%	🟡 Underfull — need more work or a rate increase
<40%	🔴 Underfull — business development emergency

---

Dimension 6: Solopreneur Wellbeing Signals

What it measures: Early warning indicators for burnout and unsustainable work patterns.

Data source: Pattern analysis across project files, weekly reviews, and client data

Signals scanned:

Signal	Detection Method	Risk
Same blocker for 4+ weeks in weekly reviews	Scan review notes	Structural problem being ignored
No vacation or break in 90+ days	Scan project calendar	Burnout approaching
Working evenings/weekends repeatedly	Time log patterns if tracked	Unsustainable pace
0 wins logged in 3+ weekly reviews	Scan review notes	Motivation / morale at risk
Increasing overdue items trend	Project/invoice data	Capacity or scope problem
Revenue same but hours increasing	Capacity + revenue data	Doing more for less

This is the hardest dimension because the data is qualitative. The advisor presents patterns and asks directly:

"I've noticed [X] in your recent reviews. How are you actually doing? Is the pace sustainable?"

---

Monthly Health Report Output

# Business Health Report — [Month Year]

## Overall Score: [X/6 dimensions healthy]

## 1. Revenue Trend
- Current MRR: €[X]
- 3M average: €[X] | 6M average: €[X]
- Trend: [🟢 Growing / 🟡 Stable / 🔴 Contracting]
- MoM change: [+/-X%]

## 2. Client Concentration
- Total active clients: [N]
- Largest client: [name] — [X%] of revenue
- Status: [🟢 Diversified / 🟡 Exposed / 🔴 Dangerous]
- [If 🔴: specific recommendation]

## 3. Service Profitability
| Service | €/hour | vs. Target | Signal |
|---------|--------|------------|--------|
[Table]

## 4. Pipeline Health
- Weighted pipeline: €[X] ([X× monthly target])
- New leads this month: [N]
- Avg close time: [X] days
- Status: [🟢 / 🟡 / 🔴]

## 5. Capacity Utilization
- Billable utilization: [X%]
- Effective hourly rate: €[X]
- Status: [🟢 Optimal / 🟡 Near full / 🔴 Overloaded / 🟡 Underfull]

## 6. Wellbeing Signals
[Qualitative patterns detected, or "No warning signals this month."]

---

## Strategic Priorities for [Next Month]

Based on this month's scan, focus on:

1. **[Priority 1]** — [Rationale from health dimensions]
2. **[Priority 2]** — [Rationale]
3. **[Priority 3]** — [Rationale]

---

## Trend vs. Last Month
[3-line comparison of how each dimension has changed]

Save to data/4-Archives/health-reports/health-[YYYY-MM].md

Integration Points

• financial-health: Revenue data including now expenses (via expense-tracker)
• expense-tracker: Expense data for profit margin calculation
• capacity-planner: Utilization and effective hourly rate
• sales-pipeline: Pipeline coverage and lead velocity
• client-management: Client revenue distribution
• weekly-review: Wellbeing signal pattern detection
• business-health-agent: Monthly automated version of this skill (see agents/)

Key References

• references/health-benchmarks.md: Solopreneur benchmarks for all 6 dimensions
• references/growth-diagnosis.md: Decision trees for common health patterns (growing but unprofitable, stable but overloaded, etc.)

Strategic Recommendations Format

Recommendations must be specific — attach numbers, dates, and concrete next steps:

❌ "Diversify your client base" ✓ "Your top client is [X]% of revenue. Adding 2 clients at €[Y]/month each would reduce concentration to [Z]% by [quarter]. Target: [1-2 sectors from ICP where you have case studies]."

❌ "Improve your margins" ✓ "Your effective hourly rate is €[X]. Raising Standard tier by 15% would add €[Y]/month on existing workload. Next proposal: apply new rate to [client type] first."

For each dimension scored 🟡 or 🔴, produce ONE specific action with:

• The number that would move it to 🟢
• The specific first step to get there
• A realistic timeline