CFOsg – Profit‑Ready Industry Pages
F&B

Track five numbers. Stop the leaks. Keep more profit.

Your Xero tells the story. CFOsg + Syft turns it into weekly guardrails — cash, costs, and decisions you can act on.

Book a Profit Talk See the Profit‑Ready System

Core guardrails we set up

Real Revenue after delivery costs

Discount impact and profit erosion

Hidden decisions (OPEX creep)

Cash guardrail and 14‑day payback

Role‑based dashboards and alerts

F&B – the only five numbers you need

What we set up

Weekly guardrails so slow weeks don’t sink cash: payback, food cost, labor, takings match, cash burn. Optional: menu margin leaderboard.

14‑Day Payback
(Weekly sales ÷ 2‑week OPEX) × 100
Alert: under 100%
Food Cost %
COGS ÷ Food revenue
Alert: over 35%
Labor Ratio
Payroll ÷ Total revenue
Alert: over 30%
Takings Match
Bank deposits ÷ POS sales
Alert: under 95%
Cash Guardrail
OPEX ÷ Cash inflow
Alert: over 80%

Universal CFO metrics

These run in the background across all industries.

  • Discount impact and margin erosion
  • Hidden decisions (OPEX drift vs growth)
  • Real revenue after delivery costs
Run the Profit Quiz Email a sample report

How it works

  1. Connect Xero + POS (daily takings sync).
  2. Map accounts and tracking categories to food, delivery, labor.
  3. Load Syft guardrails; schedule weekly alerts to WhatsApp/Email.
  4. Review 15 minutes each Monday; adjust roster and menu prices.
Can you catch PayNow/POS mismatches?

Yes. The Takings Match alert compares POS sales, refunds, and bank deposits daily and flags gaps.

Do I need new software?

No. We use your existing Xero and POS. Syft provides the analytics layer and alerts.

Retail & E‑commerce – turn stock faster, keep margin

What we set up

Inventory, discount discipline, and channel ROI so cash isn’t trapped on shelves.

Inventory Turnover Days
Avg inventory ÷ COGS × 30
Alert: over 60d
Discount Impact
Total discounts ÷ Gross sales
Alert: over 10%
Cash Conversion Cycle
DSO + DIO − DPO
Alert: over 90d
Channel ROI Split
Sales contribution vs ad spend
Alert: ROAS under target
Refund/Chargeback Spike
Rate vs baseline
Alert: 2× baseline

Universal CFO metrics

  • Real revenue after delivery and platform fees
  • Hidden decisions (subscriptions, shipping credits)
  • Discount erosion tracker with profit impact
See how we map XeroAsk for a demo

Construction & Renovation – bill what’s done, not what’s left

What we set up

Progress billing discipline, retention tracking, and project runway so you aren’t financing clients.

Progress‑Billing Gap
% complete − % invoiced
Alert: gap over 10%
Retention Receivable Days
Retention ÷ monthly revenue × 30
Alert: over 60d
Project Runway
Cash ÷ monthly OPEX
Alert: under 1.0 mo
Supplier Concentration
Top vendor % of purchases
Alert: over 40%

Universal CFO metrics

  • Real revenue after subcontractors and materials
  • Hidden decisions in site overheads
  • Discount policy for VO/claims disputes
Run project health checkRequest a sample dashboard

Service businesses – bill work fast, price work right

What we set up

WIP aging, realization rate, and revenue per head so capacity turns into cash.

WIP Aging Days
Unbilled WIP ÷ avg daily billing
Alert: over 30d
Realization Rate
Fees billed ÷ time logged
Alert: under 85%
Revenue per Head
Revenue ÷ headcount
Alert: drop >10%
Cash Guardrail
OPEX ÷ cash inflow
Alert: over 80%

Universal CFO metrics

  • Discount impact on retainers and scope creep
  • Hidden decisions in software seats and hiring
  • Real revenue after delivery cost (contractors)
See service playbookAsk for a pricing review

Clinics – faster collections, fuller chairs

What we set up

Insurance claim lag, chair utilization, and consumables expiry so revenue turns into cash.

Insurance Collection Lag
Insurer AR ÷ avg daily claims
Alert: over 30d
Chair Utilization
Booked hours ÷ available
Alert: under 70%
Inventory Expiry Risk
Items expiring ≤45d
Alert: over 5%

Universal CFO metrics

  • Real revenue after consumables and lab fees
  • Hidden decisions (locum hours vs revenue)
  • Discount policies on packages and procedures
Check collection riskRequest a benchmark

Beauty & spa – fill the chairs, renew the packages

What we set up

Utilization, package renewals, and retail share so each client visit drives profit.

Appointment Utilization
Booked ÷ available hours
Alert: under 75%
Package Burn‑Rate
Redeemed ÷ sold
Alert: over 90% with no renewal
Retail‑to‑Service Ratio
Retail revenue ÷ total
Alert: under 15%
Commission Guardrail
(Commissions+bonuses) ÷ GP
Alert: over 30%

Universal CFO metrics

  • Discount drag vs package value
  • Hidden decisions in roster and incentives
  • Real revenue after delivery cost per treatment
See sample alertsEmail me the deck

Law & professional firms – keep WIP moving, keep retainers full

What we set up

WIP aging, realization, and retainer health so hours turn into cash without write‑offs.

WIP Aging
Unbilled WIP ÷ avg daily billings
Alert: over 45d
Realization Rate
Billed ÷ logged
Alert: under 85%
Retainer Depletion
Retainer balance vs threshold
Alert: under 20%

Universal CFO metrics

  • Discount impact on fee write‑downs
  • Hidden decisions (non‑billable admin hours)
  • Real revenue after delivery cost (counsel, experts)
Run a matter auditAsk for KPI sheet
© CFOsg. Guardrails, not guesswork. Questions? hello@cfo.sg