Owner financial intelligence
Decision Overview
Six numbers to know
BFI Assessment
Kopano Electrical & Solar (Pty) Ltd is under pressure on available indicators: recent three-month sales are up 32.7%, and latest net bank cash movement is R -189,360.17. The largest measured working-capital issue is R 1,062,345.45 of overdue customer balances, compared with R 217,728.63 supplier exposure. Recovery or continued viability appears possible because of a positive 42.4% gross margin and recent monthly sales of R 796,981.69, with R 676,081.98 supplied weighted pipeline that is not confirmed cash, but depends on receipts and cost coverage. Collect confirmed overdue balances and agree supplier payment timing; use deposits or milestone billing before funding project materials. If expected collections materialise and payment allowances hold, these actions can help protect an outlook closing at R 625,415.30; this is conditional, not guaranteed profit.
Likely business model: Project / contracting business
Business model confidence · Likely
Sales Performance & 3-Month Outlook
Recorded sales, then BFI’s expected next three months.
- Recent three-month sales average R 796,981.69; previous three-month average R 600,626.90.
- Available prior-year months inform the expected monthly pattern; this is not proof of repeatable seasonality.
- Expected sales are estimates, not confirmed orders. Pipeline is not added to expected sales.
The strongest recorded contributors to the increase were Greenline Schools Trust, Horizon Medical Suites, Smart Energy Monitoring, Industrial Motor Circuit. Pula Consulting contributed to the decline.
Actual versus benchmark: R +67,235.90 · Budget R 821,376.00 · +8.2%
Sales target not provided.
Profitability Diagnostic
Reported figures where supplied; estimates are clearly qualified.
Reported management figures; bank payments are shown separately. Indicative sales cover uses current gross margin and reported operating expenses.
Cash Position & 3-Month Outlook
Current bank cash and BFI expected closing cash for the next three months.
Cash is under pressure mainly because customer collections lag trading activity. The business has significant receivables to collect, while supplier payables are materially lower.
Cash outlook: STABLE — No projected cash shortfall within three months under the expected outlook.
- November: Expected debtor collections of R 758,890.53 support cash. Fixed costs and trading/material allowances temporarily reduce cash: receipts R 799,533.59, payments R 888,396.19. Supplier timing must be confirmed.
- December: Cash recovers as forecast-sales collections increase to R 741,122.89; closing cash R 459,004.43, if expected collections materialise.
- January: Cash strengthens as forecast-sales collections increase to R 898,273.36; closing cash R 625,415.30, if expected collections materialise.
Due in Nov 2026: R 78,347.69. Overdue supplier exposure: R 139,380.94 — payment timing not confirmed.
Confirm payment timing on R139,381 overdue supplier balances and align payments with confirmed collections.
Cash In vs Cash Out
Monthly receipt and payment components; future values are estimates.
- R 1,134,061.74 of recorded open invoices is allocated across the outlook; R 477,843.69 remains outside confirmed timing.
- Fixed cash base is R 406,174.24 per month. Materials use a normal-spending estimate linked to activity. Other operating payments are separate.
- Project spending can precede customer payments; confirm deposits and milestone billing where agreed.
Indicative monthly estimates, not confirmed transactions.
| Month | Opening cash | Estimated received | Estimated paid | Estimated closing cash |
|---|---|---|---|---|
| Nov 2026 | R 401,021.90 | R 799,533.59 | R 888,396.19 | R 312,159.30 |
| Dec 2026 | R 312,159.30 | R 999,847.39 | R 853,002.26 | R 459,004.43 |
| Jan 2027 | R 459,004.43 | R 1,014,720.07 | R 848,309.20 | R 625,415.30 |
View monthly cash components and remaining debtors
| Month | Existing debtors | Forecast sales receipts | Deposits / other | Remaining debtors |
|---|---|---|---|---|
| Nov 2026 | R 758,890.53 | R 40,643.06 | R 0.00 | R 853,014.90 |
| Dec 2026 | R 258,724.50 | R 741,122.89 | R 0.00 | R 594,290.40 |
| Jan 2027 | R 116,446.71 | R 898,273.36 | R 0.00 | R 477,843.69 |
| Month | Fixed costs | Supplier / materials | Other operating | Known commitments | Total paid |
|---|---|---|---|---|---|
| Nov 2026 | R 406,174.24 | R 372,536.82 | R 31,337.44 | R 78,347.69 | R 888,396.19 |
| Dec 2026 | R 406,174.24 | R 415,490.58 | R 31,337.44 | R 0.00 | R 853,002.26 |
| Jan 2027 | R 406,174.24 | R 410,797.52 | R 31,337.44 | R 0.00 | R 848,309.20 |
Explicit invoice net/gross amounts reconcile; forecast net sales are converted to the observed gross basis. Collection dates remain estimates; uncollected balances carry forward. Supplier allowances are not confirmed payment dates; confirm overdue supplier timing. No project deposits are invented.
Known supplier commitment — timing not confirmed: R 139,380.94.
Debtor Ageing
As at latest completed monthWorking Capital
Recorded open invoice balances; future collection dates remain estimates.
| Unpaid customer | Due | Expected collection | Confidence | Balance |
|---|---|---|---|---|
| Horizon Medical Suites | 15 Apr 2025 | Nov. 1, 2026 | Low | R 20,986.27 |
| Kwezi Body Corporate | 14 Jun 2025 | Nov. 1, 2026 | Low | R 39,972.33 |
| Qala Security Systems | 14 Jun 2025 | Nov. 1, 2026 | Low | R 22,932.03 |
| Apex Property Group | 16 Jun 2025 | Nov. 1, 2026 | Low | R 31,184.43 |
| Riverstone Developments | 23 Jun 2025 | Nov. 1, 2026 | Low | R 21,308.08 |
Fixed Monthly Cost Base
Normal recurring cash requirement before trading costs.
| Fixed cost category | Amount |
|---|---|
| Insurance | R 7,800.00 |
| Internet / telephone | R 1,850.01 |
| Payroll / payroll taxes | R 354,624.23 |
| Rent | R 28,500.00 |
| Software | R 4,650.00 |
| Vehicle finance / leases | R 8,750.00 |
Confirm supplier due dates and align payment timing with confirmed collections.
| Supplier Exposure | Status | Due | Amount |
|---|---|---|---|
| BrightLite Commercial · BILL00778 | Outstanding | Nov. 23, 2026 | R 78,347.69 |
| VoltPro Wholesalers · BILL00769 | Overdue | Oct. 11, 2026 | R 73,515.23 |
| ToolHub Gauteng · BILL00765 | Overdue | Oct. 24, 2026 | R 65,865.71 |
Open Pipeline
Weighted pipeline is not confirmed sales or cash; undated opportunities are not charted.
Three priorities
Horizon Medical Suites: R 20,986.27 recorded outstanding.
Next: Confirm the oldest/highest-value balances with Horizon Medical Suites; agree realistic collection dates.
Solar PV 8kW Package: compare sales with normal material costs and margin.
Next: Review deposits or milestone billing for material-heavy work such as Solar PV 8kW Package.
Cover R 406,174.24 recurring cash requirements with profitable work and realistic receipts.
Next: Track customer payment days and reduce long-unresolved balances.