April 2026 Financial Review
The Chris & Claude Co
Enter your password to access your report.
Incorrect password. Please try again.
P
Prosynergy Bookkeeping

April 2026 Insights
for The Chris & Claude Co

Prepared by your Prosynergy bookkeeper · Design & Build Construction
Accrual Basis  ·  First Session
April Revenue
$70,342
↑ +34.6% vs Q1 avg · Budget: $153K
Net Profit (April)
+$4,408
✓ First profitable month of 2026
Cash in Bank
$11,601
↓ from $14,247 (-$2,646)
Profit Quality Score
0.91
✓ Healthy — cash tracks earnings

"April was a lean-revenue month against an ambitious plan — but gross margins beat expectations and the business posted its first profit of the year."

Three Power Insights

Revenue Was Half the Budget — Your Margins Told a Different Story

April revenue hit $70,342 vs a $153,000 budget (-54%). But COGS ran at 43% of revenue vs 70% budgeted — pushing gross margin to 57.1%, nearly double the 30% target. The miss was deal volume, not cost control. Revenue per employee came in at $23,447 vs $51,000 target — the team has capacity.

→ The lever to pull is pipeline. Margin structure proves the model works.

April Is the Turn — After a Tough Q1

Q1 posted a combined -$161,615 net loss — driven largely by 2025 COGS that were posted into 2026, which burdens Q1 but doesn't reflect 2026 operating reality. April's +$4,408 net profit shows what the business actually looks like running clean. The Q1 figures should be read with that context: they overstate 2026 costs and understate 2025 costs by the same amount.

→ As revenue scales toward budget, the Q1 hole closes quickly.

Cash is Lean — A $40K LOC Draw Filled the April Gap

Cash fell from $46,581 (Jan 1) to $11,601 (Apr 30). April alone saw $40,212 drawn on the Small Business Line of Credit. Total revolving credit outstanding: $380,734 (QB LOC, HELOC, SB Line). Smart use of available capacity — but revenue needs to scale toward budget to build cash reserves rather than draw further.

→ A/R at $34,917 is collecting fast (15-day DSO). Keep that discipline.
P&L Summary — Jan through April 2026
Line Item Q1 Total
Jan–Mar
Q1 Avg
per month
April
Actual
April
Budget
B vs A 4-Mo Avg
per month
Revenue $156,759 $52,253 $70,342 $153,000 -$82,658 $56,775
COGS $183,575 $61,192 $30,174 $107,100 -$76,926 $53,437
Gross Profit -$26,817 -$8,939 $40,169 $45,900 -$5,731 $3,338
Gross Margin % -17.1% -17.1% 57.1% 30.0% +27.1 pp 5.9%
Operating Expenses $130,405 $43,468 $34,323 $29,427 +$4,142 $41,182
Operating Income -$157,222 -$52,407 $5,846 $16,473 -$10,627 -$37,844
Interest & Depreciation $4,393 $1,464 $1,438 $2,500 -$1,062 $1,458
Net Income -$161,615 -$53,872 $4,408 $13,973 -$9,565 -$39,302

* Q1 is Jan–Mar as a 3-month aggregate (individual monthly breakdown not available in this export). Q1 negative gross margin reflects 2025 COGS that were posted into 2026 — these are prior-year costs, not 2026 operating expenses. April's numbers represent clean 2026 performance. Beat in B vs A = green (good); miss = red.

† The P&L reflects one business class only. QuickBooks does not allow the Balance Sheet or Statement of Cash Flows to be filtered by class without breaking the report — so some line items will not reconcile exactly across the three statements. This is a reporting limitation, not an error.

Budget vs Actual — April Highlights
Revenue Gap
-54%
$70K vs $153K
Gross Margin
57% ✓
+27pp vs 30% budget
Rev / Employee
$23,447
vs $51,000 budget
Profit Share Pool
$440
vs $1,350 budget
Cash Flow Waterfall — April 2026
What This Means
+$3,873 Depreciation added back — a non-cash expense that doesn't actually leave the bank account.
-$27,764 A/R grew by $28K — revenue earned but not yet collected. Cash is sitting in invoices, not the bank.
-$25,633 A/P paid down ($6,344) and credit card balances reduced ($19,289) — good balance sheet discipline, but it consumed cash this month.
+$55,858 Lines of credit funded the gap — QB LOC ($15,645) plus Small Business Line ($40,212). Smart bridge while revenue scales.
-$7,952 Debt payments ($4,452) and a $3,500 distribution rounded out the month. Net result: cash dropped $2,646 to $11,601.
Key Accounts Snapshot — April 30, 2026
Cash in Bank
$11,601
from $14,247 in March
Accounts Receivable
$34,917
DSO: 14.9 days ✅  |  2.3× budget
Accounts Payable
$1,604
DPO: 1.6 days — paying vendors fast
Credit Cards
$19,147
Paid down ~$18.8K in April ✅
Lines of Credit (Total)
$380,734
QB LOC $65,924 · HELOC $274,583 · SB Line $40,227
Private Loan (Luke Beiler)
$100,000
In current liabilities on BS
Long-Term Debt
$206,647
Mortgage $141,962 · QB Term $64,686
Total Assets
$894,516
87% real estate · at tax book value
Equity (Book Value)
$182,940
⚠ Likely understated — real estate carried at depreciated tax value ($782K book vs likely higher FMV). Depreciation adjustments in progress. True net worth is materially higher.
Financial Health Ratios
Profit Quality Score
0.91
Healthy
For every $1 of operating profit, $0.91 converted to real cash. In the healthy 0.8–1.2 range.
Gross Margin vs Budget
57.1%
Beat
April gross margin nearly doubled the 30% budget. When project mix runs lighter on materials, pricing strength shows clearly.
DSO (Days Sales Outstanding)
14.9 days
Healthy
Collecting receivables in 15 days — excellent. Well under the 45-day threshold. A/R dollar amount is above budget but turnover is fast.
Debt-to-Assets
79.5%
Watch
$711K liabilities on $895K assets. High ratio is typical for RE-heavy businesses. True ratio improves once assets are marked to FMV. Matches budget target exactly.

⚡ Before Next Month

The Event

May's budget calls for $156,060 in revenue — essentially the same ask as April's $153K target. With cash at $11,601 and $380,734 already drawn on lines of credit, the business needs revenue to scale toward plan to build reserves rather than draw further on credit.

Estimated Impact

If May revenue hits budget ($156K at the current margin structure), operating income would approximate $16–17K — adding meaningful cash. At April's pace ($70K again), another $30–40K LOC draw is likely. The difference is roughly $50K in cash trajectory depending on close rate.

One Action Item

By May 15: Review open project pipeline and identify jobs that can be billed and collected before May 31. A/R at $34,917 is collecting fast — keep that pace. Also: clarify terms and timeline on the Luke Beiler $100,000 private loan sitting in current liabilities.

How helpful was this month's review?
Thanks for the feedback! 🙌