Fictitious Demo · One More Bowl Pte Ltd (Illustrative Only)
One More Bowl Pte Ltd is a fictitious company created solely for illustrative purposes. Any resemblance to any actual business, person, or entity — whether living or dissolved — is purely coincidental. All financial figures are fabricated.
Marcus Tan started One More Bowl with a simple belief: that hawker-style comfort food deserved a proper restaurant home. Within three years, he had two outlets in Singapore, a loyal lunch crowd, and a catering arm that was growing faster than he could handle.
But every month felt like a guessing game. His accountant sent a P&L. The numbers looked fine — revenue up, costs in check. Yet Marcus kept asking the same question at 11pm, staring at his bank account: "If business is good, why does cash always feel tight?"
He was running on instinct. Hiring when it felt right. Buying equipment when the bank balance looked healthy. Pricing based on what competitors charged. No budget. No forecast. No visibility into what was coming next.
The Turning Point
In Q3 2024, Marcus engaged CFO.Lytics as his Fractional CFO. What followed wasn't just better reporting — it was a completely different relationship with his numbers. The dashboards below show exactly what that clarity looks like.
Key Performance Indicators · YTD Jan–Aug 2024
YTD Revenue
S$3.22M
+8.4% vs budget
Gross Margin
48.2%
+1.8pp vs FY 2023
Operating Cash Flow
S$500K
Jan–Aug 2024 cumulative
Cash Runway
7.4 months
As at Aug 2024
Budget Variance
-S$42K
Expenses over budget YTD
Forecast Accuracy
94.1%
Rolling 3-month average
Cash Management
Planning & Performance
Every month, money flows into and out of your business. The gap between the two is your real financial health — not what the P&L says.
Monthly Cash In vs Cash Out (S$’000)
Running Cash Balance (S$’000)
Monthly Cash Summary — FY 2025
| Month | Cash In (S$’000) | Cash Out (S$’000) | Net (S$’000) | Running Balance |
|---|---|---|---|---|
| Jan | 265 | 249 | +16 | S$82K |
| Feb | 278 | 253 | +25 | S$107K |
| Mar | 334 | 301 | +33 | S$140K |
| Apr | 289 | 274 | +15 | S$155K |
| May | 271 | 254 | +17 | S$172K |
| Jun | 358 | 281 | +77 | S$249K |
| Jul | 342 | 309 | +33 | S$282K |
| Aug | 298 | 271 | +27 | S$309K |
| Sep | 361 | 323 | +38 | S$347K |
| Oct | 328 | 301 | +27 | S$374K |
| Nov | 389 | 341 | +48 | S$422K |
| Dec | 421 | 364 | +57 | S$479K |
CFO Insight
Marcus used to check his bank balance and feel either relieved or anxious — but he never knew why the number was what it was. This view changed that. In May, cash in was S$271K but cash out was S$254K — a thin S$17K margin. June looked great on the P&L, but the real story was that cash in jumped to S$358K partly because of a large catering pre-payment. Without tracking cash in vs cash out separately, Marcus would have spent that pre-payment before the catering job was even delivered. Now he knows the difference between cash that is earned and cash that is owed.
Ready for your own dashboard?
One More Bowl is a fictitious company — but the struggles Marcus faced are real, and shared by hundreds of Singapore SME founders. Imagine this dashboard powered by your actual numbers, updated in real time, and built to drive your next decision.
Schedule a Strategy Session"Your first session is complimentary — because clarity should never have a barrier."