Cash Flow Statement Reconciliation Check

Compare profit with cash and explain the gap.

Added October 15, 2026. Written with AI assistance and checked for clarity and placeholders; not reviewed by a lawyer, accountant, clinician or other professional. How these prompts are made

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[VERIFY] is an editorial flag, not a blank to fill. Wherever the prompt shows [VERIFY], check that item against a reliable source before you use it (what [VERIFY] means).

Reconcile profit to cash. Profit for the period, opening and closing cash, changes in receivables, payables, stock, and capital spending: [CASH_DATA]. Loan receipts and repayments: [LOANS]. Owner draws: [DRAWS].

Build the bridge from profit to change in cash, check that it agrees with the bank, explain each large difference in plain words, and flag items I cannot explain from the data given. Show the arithmetic.

Return a bridge table, a list of questions for my bookkeeper, and a one-paragraph explanation I could give a lender. This is education, not advice; confirm treatment with an accountant [VERIFY] for [JURISDICTION].

Also label each reconciling item as timing, permanent or unexplained, and propose the document I should ask for to settle each unexplained one.

Then prepare a lender-ready explanation of cash movements. Write a one-page narrative that explains in plain language why cash changed during the period, covering profit, working capital, capital spending, financing and owner drawings, with each statement linked to a figure in the reconciliation. Build a table of the five largest cash movements and the evidence for each. Prepare answers to five questions a lender would ask: why did receivables grow, how will the loan be repaid, what is seasonal, what are the commitments over the next year, and what happens if sales fall. Suggest a rolling twelve-month cash view as a supporting document, with assumptions labelled. Remind me that this is an explanation based on my data, that errors in the books will carry through, and that an accountant should review before it is shared [VERIFY] for [JURISDICTION].

Treat every figure here as an input I supplied, not a verified fact. Show the arithmetic, tag accounting and tax treatment [VERIFY] for [JURISDICTION], and name the professional who should confirm each point before I rely on it.

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Bridge (invented year)
Profit after tax 48,000. Add depreciation 9,000. Increase in receivables -14,500. Decrease in stock +3,200. Increase in payables +5,100. Capital purchases -12,000. Loan repayments -6,000. Owner drawings -20,000.
Net change: 48,000 + 9,000 - 14,500 + 3,200 + 5,100 - 12,000 - 6,000 - 20,000 = 12,800.
Opening cash 21,300; closing 34,100 = 21,300 + 12,800. Agrees with the bank.
Largest movement: receivables up 14,500 (customer X pays at 60 days).
Questions for the bookkeeper: is 9,000 depreciation right? Confirm treatment [VERIFY].

• audit