More sales don’t always mean more money in your pocket. In this episode I break down a business that grew revenue 40% while profit fell 30%, using a simple example.
What’s inside:
→ Why discounts quietly shrink your margin
→ How costs can grow faster than sales
→ The danger of spending ahead of growth
→ Small leaks (fees, refunds, unpaid invoices) that add up
→ 3 fixes: track margin, test price before discounting, know your profit per sale
Growth is not profit. Know your numbers.
Follow Me: for more money lessons. Episode 6 is coming soon!
Series 1: Things I Notice as an Accountant
Episode 3: What an old unreconciled balance can tell you. 📊
An unreconciled balance sitting in your books for months?
It might look like a small issue.
But as an accountant, I see it as a reason to investigate. 👀
Because an old unreconciled balance can tell you more than you think.
Here are 5 things I look for:
🔹 1. A payment that was never recorded
The money left the bank, but the transaction never made it into the accounting software.
🔹 2. A duplicate entry
The same expense or payment was recorded twice, making the balance inaccurate.
🔹 3. An invoice that was never settled
A customer payment or supplier transaction may have been incorrectly matched or left outstanding.
🔹 4. A transaction posted to the wrong account
The amount might be correct, but it's sitting in the wrong place.
🔹 5. An error carried forward month after month
Sometimes, an old difference is simply ignored during each reconciliation, allowing the problem to continue.
Here's what concerns me most:
When an unreconciled balance keeps rolling forward, it can make the financial reports look correct at first glance while hiding errors underneath.
And the longer it stays unresolved, the harder it can become to trace the original transaction.
My approach?
I don't just try to make the balance match.
I investigate the difference, trace it back to the source, and make sure the correction is supported by evidence.
Because reconciliation isn't just about matching numbers. It's about knowing your numbers can be trusted. ✅
💬 Question for business owners and fellow accountants:
Do you clear old unreconciled balances as soon as you find them, or do they sometimes get carried forward to the next month?
One business problem. Three analytical routes. One data-driven story. ☕📊
I turned raw business data into actionable decisions—not just another Power BI dashboard.
For the Onyx Data October 2026 Challenge, I worked on the Sunrise Coffee Chain analytics project, analyzing store performance, profitability, customer loyalty, revenue mix, and trading patterns across 60 UK stores (2023–2024).
🔹 My Analytical Approach
1️⃣ Python — Data Preparation
Cleaned and prepared the source datasets to establish a reliable foundation for analysis.
2️⃣ SQL — Business Analysis
Investigated store-level profitability, cost pressure, customer loyalty, revenue contribution, and trading patterns.
3️⃣ Power BI — Interactive Dashboards
Built a 3-page interactive report featuring advanced DAX measures, KPI cards, YoY comparisons, profitability analysis, and business-focused visualizations.
📊 Key Findings
• £89.7M Revenue | £16.9M Net Profit
The business recorded an aggregate net profit margin of 18.8% across the analysis period.
• Store Location Matters
Transport-Hub stores achieved a 25.1% aggregate net profit margin, compared with 18.6% for High-Street stores.
• An Area Requiring Attention
South London Corner recorded a £50.5K net loss over 24 months.
• Product Revenue Contribution
Espresso contributed 45.7% of daily revenue, while food contributed 26.1%.
• Trading Patterns
Average daily revenue was approximately 24% lower on weekends and 33% lower on UK bank holidays than on regular trading days.
💡 My Biggest Takeaway
Revenue alone does not tell the whole story. Understanding profitability, cost pressure, product contribution, and trading patterns helps businesses identify where to improve performance and make better decisions.
I would investigate South London Corner first. Break the 24-month loss into store-month revenue, direct costs and allocated costs, then compare it with similar stores over matched trading periods. Reconcile at store-month grain before joining product or loyalty tables so a...
Developed an interactive Power BI dashboard to analyze PhonePe transaction data and present key business insights through data visualization. The dashboard highlights important performance indicators, transaction success rates, and transaction trends to support data-driven decision-making.
Tools Used: Power BI, Data Visualization, Data Analysis
Key Highlights:
Visualized transaction performance using interactive charts and KPIs.
Analyzed transaction success rates to understand payment performance.
Designed a clean, interactive dashboard for easy interpretation of data.
Used slicers to support dynamic filtering and exploration.
Project Objective: Transform transaction data into clear, actionable insights through an interactive dashboard.😍