Financial Diagnosis
The Financial Diagnosis report analyses income and expenses based on the Nibud classification and calculates key indicators for financial stability.
Where to find it
Section titled “Where to find it”Open More > Reports and select Financial Diagnosis.
The report works with the Nibud group types: Regular income, Incidental income, Fixed expenses, Reservation expenses, Household expenses, Other necessary expenses, and Non-essential. If categories are still in the classic classification (Fixed, Variable, One-off), the report remains usable but less detailed. See Nibud category structure.
Key indicators
Section titled “Key indicators”- Result — the structural monthly result and the total monthly result.
- Fixed expense ratio — percentage of structural income going to fixed expenses. Nibud guideline: below 50%.
- Incidental income dependency — share of non-guaranteed income (bonus, profit, sale). Nibud guideline: below 25%.
- Assets and buffer — liquid assets set against necessary expenses, expressed in months. Guideline: at least three months.
- Data completeness — recency of transactions, categorised percentage, and alignment of account balances.
Rating
Section titled “Rating”Based on the indicators, the report gives a final rating: Healthy, Warning, or Critical.
Indicators in Performance
Section titled “Indicators in Performance”The indicators are also available in the Performance screen. Enable via Diagnosis indicators in Coach under More > Settings. Deviations from recommended values are then flagged.
Period and forecast
Section titled “Period and forecast”The report works with monthly averages. A full calendar year gives the most reliable picture. For periods shorter than a year, the forecast checkbox can be used: annual budgets are then distributed evenly across twelve months. See Forecast.